Senior Loan Officer

Jeanne D'Arc Credit Union; Lowell (MA); On-site; USD 70,000 - 100,000; Full time

Job summary

Jeanne D’Arc Credit Union in Lowell, MA is seeking a Senior Loan Officer to develop and retain a referral network for residential mortgages, evaluating members' finances to determine creditworthiness. You will interview applicants, explain loan options, and negotiate terms within policy while building relationships with real estate professionals to generate real estate opportunities.

A valid driver's license, two years driving experience, and NMLS credentials within 60 days are required; a

Qualifications

• Three years of experience as a real estate or related lender or banking experience.
• Valid driver's license with a good driving record (two years).
• Bachelor's degree required or equivalent.
• NMLS credentials required or obtained within 60 days of hire.
• Excellent interpersonal and communication skills.

Responsibilities

• Identifies, contacts, and visits potential or existing Credit Union members; cultivates real estate opportunities.
• Develops and maintains relationships with industry peers to generate real estate loan referrals.
• Interviews loan applicants and analyzes financial position to determine mortgage products.
• Consults with members on alternatives to the original loan application when necessary.
• Communicates credit decisions and negotiates loan terms within policy.
• Manages pipeline with organization and multitasking skills.
• Performs other duties as assigned.

Education

Bachelor's degree or equivalent

Job description

At Jeanne D’Arc Credit Union, we don’t just offer jobs—we build careers. With competitive pay, outstanding benefits, a supportive team environment, and endless growth opportunities, you’ll have everything you need to thrive.

We take pride in our team, who go above and beyond to deliver exceptional service and offer smart financial solutions to our members. If you’re looking for a rewarding role where you can make a difference in helping people and giving back to the community, we’d love to have you on board!

Now Hiring: Senior Loan Officer

As a Senior Loan Officer, you’ll work under the leadership of the Mortgage Origination Officer, to develop and retain a referral source network for residential mortgages. Responsibilities include evaluating members' finances to determine creditworthiness for a loan by utilizing consultative selling techniques.

Your contributions will help our members achieve their financial goals while advancing your career in a dynamic and supportive environment.

Essential Functions & Responsibilities

• Identifies, contacts, and visits potential or existing Credit Union members independently; cultivates new real estate opportunities that can develop into strategic relationships.
• Develops and maintains relationships with industry peers to establish a referral source network for real estate loan generation.
• Interviews loan applicants and analyze their financial position to determine appropriate mortgage products. Consults with members on alternatives to the original loan application when necessary. Demonstrates a special effort to say "yes" to accommodate internal and external member needs.
• Communicates credit decisions to prospects and members and negotiates specific loan conditions within parameters defined by policy and credit decisions.
• Demonstrates proficiency in pipeline management with an emphasis on organization and multitasking skills.
• Coordinates and performs preliminary financial analysis and credit investigations to make sound credit decisions as directed. Uses sound judgment to elevate concerns that exceed authority or knowledge base to appropriate team members.
• Performs other job-related duties as assigned.

Experience:

Three years of experience as a real estate or related lender or relevant banking experience is required. Must have a valid driver's license and a good driving record with two years of driving experience. Proper National Mortgage Licensing System (NMLS) credentials are required or obtained within 60 days of hire.

Education:

Bachelor's degree required or an equivalent combination of education and experience.

Interpersonal Skills:

Position requires a significant amount of personal contact with others inside and outside the Credit Union, thus requiring a high degree of confidentiality, discretion, diplomacy, and tact in communication. Builds relationships and fosters positive interactions with Credit Union team members, members, and vendors by demonstrating friendly, helpful, and efficient service. Exceptional follow-up and follow-through skills are critical to success in this role. Must have the ability to motivate, influence, and gain the trust and cooperation of others. Excellent written and verbal communication skills are required, including positive body language and tone and communicating clearly and concisely. Empathy, patience, active listening, and sound judgment are required. Must have the ability to understand and communicate products, services, and regulations.

Jeanne D’Arc Credit Union is an Equal Opportunity Employer. We are committed to fostering an inclusive workplace where every employee and applicant is treated with dignity, respect, and fairness. All qualified candidates will receive consideration for employment without regard to race, color, age, religion, sex, sexual orientation, gender identity or expression, national origin, protected veteran status, genetics, disability or any other characteristic protected by law.

If you require a reasonable accommodation to complete the application process or participate in an interview, please contact Human Resources at [phone] ext. 7903. Reasonable accommodations will be provided in accordance with applicable law.