LOAN OFFICER, JUNIOR – RETAIL    Location: Hudson, MA  Department: Retail – MA Hudson General Business Hours: M-F: 9:00 a.m. – 5:00 p.m.  Shift: 40 hours per week. Eligible for approved overtime. Managed by (Title): Branch Manager and/or Assigned Retail Loan Officer  Compensation: $20.00 - $24.00 per hour + commission/overrides  FLSA Status: Non-Exempt Last Updated:6/17/2026 SUMMARY When a top producing Branch Manager or Retail Loan Officer achieves a production level that exceeds the time and effort available from one individual, he or she may choose to build a team of support staff. The Junior Loan Officer is responsible for many Loan Officer activities for the loan origination team. Through professional persistence, the Junior Loan Officer solicits and originates loans that are acceptable to the companies chosen investors and agencies. He/she develops and maintains a strong client referral base by selling the firm’s loan products and services to meet the needs of its client base such as realtors, builders, home buyers, CPA’s, financial planners and others. In essence, the Junior Loan Officer is responsible for growing the team’s production and creating their own production, as well. KNOWLEDGE, EXPERIENCE AND SKILLS REQUIRED  Technical Knowledge, Years of Related Experience, Skills, Licenses, and Systems Experience A. Education: Minimum of a high school diploma required. College Degree in Business or Finance preferred, but not required. B. Experience: Minimum 1+ years of loan originator experience, loan officer assistant experience, or strong sales experience with demonstrated potential to transfer skills to mortgage origination. Minimum of 1+ year of marketing experience in sales environment. Experience supporting a manager on a day to day basis or experience as an executive assistant. C. Skills: Detail oriented, organized with strong follow-up & time management skills. Basic math skills. Interpersonal skills that forge professional relationships and support, strong oral, verbal and written communication skills. Ability to read, write and communicate at a level consistent with the requirements of this position and to generate independents leads for new business. To be knowledgeable and articulate regarding all aspects of the loan products offered such as FHA/VA, FHLMC, FNMA, JUMBO and all other Area, City, State, County and National loan programs that the company offers. Strong skillset in social media marketing and ability to gain customer interaction with such marketing techniques. Ability to juggle multiple priorities in a fast-paced environment. D. License: Must obtain or currently have an active Mortgage Loan Originator (MLO) license through NMLS prior to receiving a job offer. E. Systems: Experience using Empower Loan Management Software preferred but training is provided. Experience using a CRM system and other basic marketing tools required. Other systems/platforms are used daily such as Microsoft Office Suite, Adobe, DocuSign, Social Media and more.   TRAINING REQUIRED Participate in additional training on sales, technology, products, procedures and pricing on an ongoing basis. Complete annual training as required by company policy and law on an annual basis in a timely manner.  RESPONSIBILITIES * Business Development & Relationship Support  * Support loan officers with realtor, builder, and partner outreach Manage and track referral partner follow-ups * Help maintain consistent communication with key accounts * Prepare contact lists and outreach schedules * CRM & Database Management * Maintain and update CRM records (realtors, past clients, prospects) * Track touchpoints, notes, and follow-up reminders * Assist with segmentation for marketing and outreach campaigns * Ensure data accuracy and consistency * Marketing & Campaign Coordination * Assist with execution of marketing campaigns (email, social, events)  * Coordinate co-branded materials with realtors  * Help schedule and post social media content (as directed)  * Work with corporate or third-party marketing vendors when needed * Event & Local Outreach Coordination  * Help plan and coordinate: Realtor events Open houses Lunch-and-learns Community or networking events Manage invitations, RSVPs, and post-event follow-ups  * Track event outcomes and leads * Administrative & Operational Support  * Prepare marketing packets and presentations  * Organize calendars related to business development activities  * Assist with reporting (activity tracking, outreach metrics)  * Handle light administrative tasks to keep workflows moving * Communication & Client Experience  * Support Serve as a professional point of contact for partners and clients  * Ensure timely responses and follow-through  * Help maintain a polished, consistent brand experience  * Maintain a professional image and standards consistent with company policies and procedures. * Follow through on all professional conditions and continued education requirements for licensure. * Occasionally participate in branch/headquarter meetings that require attendance. * Other duties as assigned by the Branch Manager or assigned Retail Loan Officer. SPECIFIC ACTIVITIES Attend and participate in all Monthly Awards Ceremonies, Corporate Gatherings & Training Events. Read all newsletters and bulletins to remain current on corporate policies, procedures, and developments.  DRIVER ELIGIBILITY GUIDELINES This position requires reliable transportation and the operation of a motor vehicle from time to time in order to perform your required job duties. Drivers must have a valid driver's license of the State they reside in. Additionally, drivers should have at least 2 years of driving experience and be at least 18 years old. Embrace Home Loans reserves the right to enforce additional driver eligibility guidelines as required by law.  MEASUREMENTS OF SUCCESS Develop and manage a pipeline of users, referrals, client relationships, etc.  Increasing customer base via Marketing tactics  Relationship management and business development. Customer Satisfaction. Ability to originate loans for personal and team production. WORK ENVIRONMENT AND DEMANDS  REASONABLE ACCOMMODATIONS MAY BE MADE TO ENABLE INDIVIDUALS WITH DISABILITIES TO PERFORM THE ESSENTIAL FUNCTIONS. Work Environment: Office / Hybrid schedule; A hybrid work schedule of 3 days in the office is mandatory. Possible Work Hazards: Minimal Physical Demands: Light OTHER CONSIDERATIONS/DISCLAIMERS Job Description Disclaimer: This job description is a general description of essential job functions. It is not intended as an employment contract, nor is it intended to describe all duties someone in this position may perform. All employees are expected to perform tasks as assigned by supervisory personnel, regardless of job title or routine job duties. ADA Compliance: Embrace Home Loans is an Equal Opportunity and ADA compliant Employer, committed to diversity in the workplace. Disclaimer for Connecticut Applicants: The applicant is not required to disclose the existence of any erased criminal history record information, erased criminal history record information are records pertaining to a finding of delinquency or that a child was a member of a family with service needs, an adjudication as a youthful offender, a criminal charge that has been dismissed or nolled, a criminal charge for which the person has been found not guilty or a conviction for which the person received an absolute pardon or criminal records that are erased pursuant to statute or by other operation of law, and Any person with erased criminal history record information shall be deemed to have never been arrested within the meaning of the general statutes with respect to the proceedings so erased and may so swear under oath. Work Location Information: Embrace supports hybrid work where business needs allow, but is rebuilding a community that looks forward to collaboration within an office setting. All remote work, if allowed, must be performed in a state in which Embrace is registered to do business or presently open to payroll withholding, unemployment insurance as well as workers compensation. Those states are as follows: Alabama, Arizona, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Massachusetts, Maryland, Maine, Minnesota, Missouri, North Carolina, New Hampshire, New Jersey, New York, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Texas, Virginia, and West Virginia. Even if remote work is permitted, some presence in an office may be necessary based on needs, the nature of work, or in support of corporate sponsored events designed to build community. If your position requires an MLO license, you must be employed within commutable distance of an Embrace office (no home offices) and open to reporting to the office location when required.