What are the responsibilities and job description for the Mortgage Loan Officer position at Maine State Credit Union?
We’re growing and this is your chance to be part of something exciting! Our new Belfast location is opening its doors in June and we’re looking for a motivated, community‑focused Mortgage Loan Officer to help us build strong local relationships and guide homebuyers through one of life’s most important milestones.
If you’re passionate about engaging with your community, networking with local businesses, and becoming a trusted resource in the Belfast area, you’ll thrive here. We’re seeking someone who brings both heart and expertise with knowledge of conventional loan products and full mortgage process.
As one of the first team members in our Belfast branch, which will serve the mid-coast region, you’ll have the unique opportunity to shape the way we serve the community, grow your local presence, and make a meaningful impact on the homeownership journey for families across the region.
In the Mortgage Loan Officer role, you will actively develop new residential mortgage business by promoting and selling the Credit Union’s mortgage products to achieve established production goals. You will be responsible for originating, underwriting, approving, and closing loans within your lending authority, with a primary focus on generating high‑quality mortgage loan volume.
Qualifications:The ideal candidate brings 3–6 years of experience in mortgage and consumer lending, with a strong understanding of open‑end and closed‑end products, secondary market guidelines, and all major lending regulations including SAFE Act, ECOA, FCRA, TRID, QM, and ATR.
You excel at relationship building, cross selling, and clear communication, and you are highly proficient with lending software and digital tools. Experience with Encompass LOS is a strong plus!
This role requires a motivated, sales driven professional with relevant education or specialized training, strong interpersonal skills, and active registration as a Mortgage Loan Originator (MLO) with the NMLS.
Benefits of Employment with Maine State Credit Union:
In addition to our world-class culture, a fun and supportive work environment and opportunities to learn and grow, our employees appreciate the work-life harmony they are able to achieve as part of our team.
We are also proud of the benefits we offer:
- Employer-subsidized medical insurance plans, includes one plan with employer paid premiums of 97%
- HSA – generous employer contribution
- Employer funded HRA
- Employer-subsidized Dental and Vision Insurance
- 100% employer paid - Life, Short-Term Disability and Long-Term Disability Insurance
- Accident Insurance
- Competitive wages, and annual evaluations with compensation adjustments
- Generous 401(k) employer match, plus annual discretionary contribution
- Generous PTO with immediate PTO accruals 8 hrs of birthday PTO & 12 paid holidays
- Paid Parental Leave
- Education reimbursement - up to $5,000 annually for undergraduate
- Opportunities to volunteer in our local communities
- 100% Employer Paid EAP which includes 6 free mental health sessions
- Wellness Reimbursement of up to $150
- Free coffee, tea, and hot chocolate and an abundance of food