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Job & Intern Board

Mortgage Loan Officer (Plymouth)

Cape Cod Five Cents Savings Bank
Job Description


Responsible for Residential Lending business development in assigned area including development of market area business plan, community relations, developing relationships with centers of business influence, relationships with branch managers and all of the Bank’s business line development officers to insure maximum customer fulfillment for all Bank products. Responsible for delivering quality loans which meet all documentation and compliance standards. Responsible for managing the pipeline of loans ensuring underwriting, closing, and rate lock commitments meet performance standards.


 Business Development and Community Relations

  1. Establishes business development and sales goals for assigned territory which are consistent with department and corporate goals, focused on increasing the Bank’s mortgage market share and measuring success of increasing the Bank’s mortgage market share and increasing the number of services per relationship and loan growth.
  2. Is an active participant in business organizations which are centers of influence, such as Realtors, Chambers of Commerce, and business and industry associations.  Regularly attends organizations’ meetings and develops/builds a referral and potential customer network.
  3. Fulfills CRA (Community Reinvestment Act) obligations by promoting Affordable Housing Products and participating in civic and community organizations that benefit the local communities.  Examples may include: sponsoring and volunteering to conduct first time home buyer and credit counseling seminars in combination with local and state housing and lending.
  4. Maintains contact with existing customers while continuing to grow the customer base.
  5. Performs in a manner that follows the expectations and spirit of the Bank’s customer needs based selling initiatives (CARE Service.)

Customer Service

  1. Identifies customers’ needs to insure understanding of the best possible mortgage product of lending solution which benefits the customer.
  2. Thoroughly explains and educates customers on mortgage products and the mortgage process.
  3. Ensures communication with customer from application to closing and cooperation with processing, underwriting, and closing to provide a positive customer fulfillment process. 
  4. Resolves problems.  Actively listens to customers’ complaints and concerns.  Researches complex questions.

General Administration and Compliance

  1. Remains up-to-date on the Bank’s products and services and on industry and regulatory practices.
  2. As part of residential Lending, understands and is consistent in carrying out Bank policies, regulatory and compliance requirements, and changes in both bank and secondary market investor underwriting and loan parameter requirements.  
  3. Prepares and recommends marketing and budget report for assigned territory.


  1. At least three years of residential lending experience, with advanced knowledge of the secondary market.
  2. Expertise in: loan processing, underwriting, and closing.  This knowledge would probably have been obtained while working in a mortgage department in one or more of these functions.
  3. At least two years prior experience in a sales/marketing environment desirable.
  4. Prior experience in retail banking a plus.
  5. Knowledge of general banking industry regulations and compliance requirements.
  6. Thorough knowledge of Bank products and services.
  7. Excellent business development, customer service, problem-solving and sales skills.
  8. Associates degree or its equivalent in retail management course work and related training.
  9. Must have cyber security awareness to protect the digital environment, the Bank, and customers.
  10. Proficient in loan underwriting and decision making
  11. Strong communication skills (oral and written; individuals and groups).
  12. Strong time management skills.
  13. Superior organizational and management skills.
  14. Notary Public license.
  15. Driver’s license with a good driving record.
  16. Ability to work flexible hours as described in “special requirements” above.
  17. Ability to work as an active member of a team.
  18. Excellent organizational skills.

This position requires an incumbent to register and become licensed in the NMLS (Nationwide Mortgage Licensing System & Registry) database in accordance with the Safe Act of 2008.


Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information.

Contact Information