Workers Credit Union

Nashoba Valley Chamber of Commerce

Littleton (MA)

Hybrid

USD 70,000 - 100,000

Full time

3 days ago

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Benefits offered by this job

401(k) match

Tuition Reimbursement

PTO 15+ days

Employee Assistance Program (EAP)

Life insurance

Short-term disability

Long-term disability

Job summary

Workers Credit Union in Littleton, MA seeks a Mortgage Loan Officer to grow our mortgage portfolio by managing borrower relations and expanding referral networks. You will work within a team, handling loan applications, prequalifications, and outreach activities to drive growth.

The role emphasizes building partnerships with realtors and community partners while maintaining compliance with underwriting policies and industry standards.

Qualifications

Knowledge of residential mortgage loan products and programs.
Strong sales and relationship-building skills.
Must be registered with NMLS and keep active status.

Responsibilities

Handle mortgage requests from online or assigned channels and prequalify borrowers.
Develop strategic partnerships and network at industry events to grow mortgage opportunities.
Ensure accurate documentation, timely submission, and ongoing compliance with underwriting rules.

Skills

Mortgage loans

Sales ability

NMLS licensed

Education

High school diploma or equivalent

Job description

Job Fair Calendar
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Employers
Members of the Nashoba Valley Chamber are provided the opportunity to post unlimited job openings at no fee. Click HERE to post your job or contact the Chamber office for assistance.

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Join a team that invests in your success from day one.

Build your mortgage business with the support of a $25,000 sign-on bonus and a guaranteed minimum incentive of $5,000 per month for your first three full months . At Workers Credit Union, we recognize that building a strong referral network and mortgage pipeline takes time, and we're committed to helping you gain momentum from the start.

Working at Workers Credit Union

At Workers Credit Union, everything starts with a simple but powerful purpose: We enable financial prosperity through values-driven solutions because everyone deserves a future they can believe in.

For more than a century, we’ve been a trusted partner in helping people make confident financial decisions and build stronger futures. Today, as a $2.5B organization serving over 120,000 members, we continue to evolve, thoughtfully blending personal connection with modern capabilities to better support our members in the moments that matter most.

We call this the Workers Way. It shapes how we show up every day, with personalized guidance, practical solutions, and a deep commitment to doing what’s right. Just as importantly, it defines how we work together. We choose purpose over ego. We communicate directly with respect. We dare to grow. We do the right thing, always . And we win together , because meaningful results are built through shared success.

As we look ahead, we’re building on a strong foundation and continuing to evolve how we operate and deliver impact, simplifying experiences and strengthening capabilities. We have big plans for the future, and we hope you’ll be part of what comes next.

Why this Role Matters

The Mortgage Loan Officer (MLO) plays a critical role in driving mortgage loan growth for Workers Credit Union by developing and managing relationships with referral partners, including realtors, business partners, past borrowers, and internal team members. As part of a Senior Mortgage Loan Officer's team, the MLO supports the organization's lending goals through exceptional member service and business development efforts. This role is instrumental in expanding Workers’ mortgage portfolio by actively engaging with the community, building a strong referral network, and identifying new lending opportunities through networking events and outreach activities both within and outside of the credit union.

What You’ll Contribute

Loan Application Management

Handle mortgage requests that originate through their individual online channel or initiate through the general WCU online channel and are assigned to the MLO.
Counsel borrowers and explain the types and programs available at Workers. Help borrowers determine the product that meets their needs. Employee must keep themselves up to date on all products available to the membership.
Complete home loan applications to include first mortgages, fixed home equity loans and home equity line of credit should they come from the individual’s referral source.
Meet with potential borrowers (by phone, online or in person) to prequalify them for first mortgage financing; or to help with refinancing first mortgages.
Request and obtain all necessary documentation from the borrowers and submit the application in a timely manner.
Complete applications can come through the online portal and need to be reviewed for accuracy.
Incomplete applications may come through the online portal as well, these need to be reviewed and completed in coordination with the borrower/member.

Business Development & Networking:

Identify and pursue new business opportunities to achieve growth targets.
Develop strategic partnerships to enhance the credit union’s visibility and reach within the community.
Monitor market trends and competitor activities to identify potential growth areas.
Attends public functions including but not limited to Board of Realtor meetings, Chamber of Commerce meetings, open houses and other functions and meetings related to banking and mortgage lending.
Attend home mortgage functions such as home shows and exhibits. Promote all Workers products and services offered.

Goal Achievement:

Achieve specific goals for loan growth.
Develop and implement outreach strategies to meet or exceed these goals.
Track and report on progress towards goals, providing regular updates to management.
Learn and maintain all the application, underwriting and disclosure requirements for Workers’ mortgage programs. Follow all procedures for taking an application. Stay current with changes in underwriting, program and regulations on mortgage products.

Other Duties :

Adhere to all WCU policies, procedures, and guidelines.
Participates in department and/or organizational projects as directed.
Performs other tasks or functions as required, requested, necessary or prudent from time to time.
Maintains confidentiality of all member and credit union information and data.
Regularly demonstrates behaviors as defined by the credit union’s Fundamentals, which are part of the Workers Way culture program.

What You’ll Bring

High school diploma or equivalent
Three years mortgage related experience; excellent sales abilities; knowledge of all types of residential mortgage loans
Must or will be registered with the National Mortgage Licensing System ("NMLS") and maintain active status and accurate registration information on file. Provides changes to any individual information (such as an address or name change) as they occur directly into the NMLS system within 20 days of such change.
Excellent sales abilities; knowledge of all types of residential mortgage loans; thorough knowledge of loan policy; thorough knowledge of all types of loans including FNMA, special products and programs, FHA-VA and Non Conforming Jumbo Loans;
Strong mathematical abilities.

How You’ll Work

Hybrid Work Environment: This position offers a hybrid work environment, combining remote work with regular on-site days at the Littleton Headquarters. This work environment is subject to change based on business needs.

Compensation

Pay Grade: 10

FLSA Status: Exempt

Actual compensation offered may vary from the posted pay grade range based on factors such as relevant experience, time in role, base salary of internal peers, prior performance, business sector, licensure requirements and/or skill level, and will be finalized at the time of offer.

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