Senior Mortgage Loan Officer

Newburyport Bank is a community bank supported by the strength of our shared services organization, River Run, and banking affiliates, Pentucket Bank and Rollstone Bank and Trust. Together, we shape the evolution of community banking through innovation and strong partnerships, while preserving the personalized service our customers value. Here, you will discover opportunities that will guide you along your professional journey, and allows you to make a meaningful impact in your local community, as you join a team that champions integrity, collaboration, and continuous progress. Journey Well!  

The Senior Mortgage Loan Officer originates, evaluates, and structures residential mortgage loan applications in compliance with regulatory and internal lending standards. Builds relationships with borrowers, real estate agents, and internal partners. Acts as a trusted advisor, guiding clients through the home financing process with integrity, accuracy, and professionalism.

• Proactively originates residential mortgage loans through internal referrals, external relationships, and self-generated leads.
• Evaluates applicants' financial status, credit, and property information to determine loan eligibility.
• Maintains current knowledge of mortgage regulations, products, rates, and underwriting guidelines to provide accurate guidance, recommend appropriate loan products, and ensure compliance throughout the lending process.
• Assists clients with loan applications and ensures required documentation is collected, verified, and submitted accurately and on time and develops and maintains relationships with realtors, builders, attorneys, and other referral partners to generate business and support a seamless customer experience.
• Collaborates with processors, underwriters, and closers to facilitate efficient loan processing and closing.
• Maintains accurate customer and loan pipeline records in the Customer Relationship Management (CRM) and Loan Origination System (LOS).
• Ensures compliance with all applicable federal and state lending laws, regulations, bank policies, and Bank Secrecy Act (BSA) requirements.
• Meets or exceeds production goals while delivering exceptional customer service.
• Remains current on Bank products, services, policies, procedures, and regulatory requirements by participating in required training and applying knowledge in daily operations.
• Helps minimize risk and protect the Bank by ensuring transactions, account balances, and lending activities comply with applicable laws, regulations, and internal policies.
• Performs additional duties, as directed by management and complies with all related consumer regulatory requirements.

Qualifications, Experience, and Education

• High school diploma or equivalent required; bachelor's degree in business, finance, or a related field preferred.
• Active Nationwide Multistate Licensing System (NMLS) license or ability to obtain upon hire.
• Five or more years of sales-oriented mortgage lending experience preferred.
• Strong knowledge of mortgage loan products, the loan process, banking and lending regulations, and credit, income, asset, and collateral analysis.
• Strong interpersonal, communication, negotiation, customer service, organizational, and time management skills with exceptional attention to detail.
• Proficient in mortgage Loan Origination Systems (LOS), Automated Underwriting Systems (AUS), and Microsoft Office or similar business software.
• Self-motivated with a proven ability to generate business, manage a sales pipeline, and work independently and collaboratively.
• Ability to maintain regular in-office attendance, travel as needed for client and business development activities, and work flexible hours, including evenings and weekends, to meet customer needs.

Newburyport Bank is an Equal Opportunity Employer and all qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, gender, sexual orientation, marital status, religion, age, disability, gender identity, results of genetic testing or service in the military.

If you are an individual with a disability and require a reasonable accommodation to complete the application process, you may contact Human Resources at [email protected] or call 978-462-3136.

The base salary range for this position is $112,500 annually. This role also offers the opportunity to earn commission-based compensation through the Bank's Mortgage Loan Officer Incentive Plan based on loan production and performance results.