Loan Officer Jobs in Massachusetts
Loan officer jobs in Massachusetts are concentrated in mortgage origination, commercial lending, and consumer banking, with openings at every level from entry-level processors to senior commercial loan officers. Boston, Worcester, and Springfield anchor most of the hiring, and established lenders like Rockland Trust, Eastern Bank, and Citizens Bank maintain deep footprints across the state. Home equity and small business lending are among the most in-demand specialties, reflecting Massachusetts's high homeownership costs and dense small business economy. Find a role that fits below and apply directly.
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The Commercial Loan Officer solicits and services a variety of commercial loans. Interviews applicants, obtains and reviews required financial information. Builds a highly visible reputation as the commercial loan expert, resulting in the generation of quality commercial loans that meet the criteria of the Bank’s loan policies.
Essential Functions
- Approve or deny loans within established limits, and present loans to the Loan Committee.
- Originate a volume of commercial loans that meets the Bank’s goals and objectives.
- Perform initial collection efforts on assigned portfolio of loans.
- Provide recommendations for portfolio management, loan structuring, and underwriting.
- Review and assist in the preparation of Credit Proposals.
- Prepare commercial loan documentation in conformity with the loan approval.
- Actively participate in ongoing business development by calling on prospective and existing clients to nurture ongoing relationships for lending and deposit services.
- Foster relationships with centers of influence to create referral sources.
- Meet with customers’ senior management and visit their facilities in order to understand their business.
- Evaluate prospective loan requests; review customer’s financial, credit, and collateral information to determine viability of the loan request and the appropriate loan structure.
- Negotiate terms with the customer that reflect the customer’s need and the Bank’s asset quality standards.
- Oversee and manage an assigned loan portfolio by reviewing the customer’s financial status and ongoing operations.
- Maintain a credit file on each customer including financial data, correspondence, and other pertinent documents.
- Develop workout programs when appropriate.
- Work with outside legal counsel to ensure that proper documentation is in place for new and existing loans.
- Represent the Bank in various community and industry related activities.
- Maintain knowledge of regulatory compliance and developments for assigned area.
Required Education and Experience
- 5 or more years of experience in commercial lending
- Knowledge of loan products, and lending compliance and regulations
- Experience in commercial lending department function and procedures
- Knowledge of commercial loan underwriting requirements
Preferred Background and Experience
- Bachelors in Business Administration with concentration in Finance, Economics or Accounting.
Required Competencies
- Demonstration of the Bank's Core Values of Kindness, Integrity, Community, Teamwork, and Excellence
- Excellent verbal and written communication skills
- Strong business acumen, analytical skills, attention to detail, and sound decision making
- Demonstration of ethical conduct and financial management
Travel
At least 75% daytime travel between offices, bank branches, and customers’ locations.
The Commercial Loan Officer solicits and services a variety of commercial loans. Interviews applicants, obtains and reviews required financial information. Builds a highly visible reputation as the commercial loan expert, resulting in the generation of quality commercial loans that meet the criteria of the Bank’s loan policies.
Essential Functions
- Approve or deny loans within established limits, and present loans to the Loan Committee.
- Originate a volume of commercial loans that meets the Bank’s goals and objectives.
- Perform initial collection efforts on assigned portfolio of loans.
- Provide recommendations for portfolio management, loan structuring, and underwriting.
- Review and assist in the preparation of Credit Proposals.
- Prepare commercial loan documentation in conformity with the loan approval.
- Actively participate in ongoing business development by calling on prospective and existing clients to nurture ongoing relationships for lending and deposit services.
- Foster relationships with centers of influence to create referral sources.
- Meet with customers’ senior management and visit their facilities in order to understand their business.
- Evaluate prospective loan requests; review customer’s financial, credit, and collateral information to determine viability of the loan request and the appropriate loan structure.
- Negotiate terms with the customer that reflect the customer’s need and the Bank’s asset quality standards.
- Oversee and manage an assigned loan portfolio by reviewing the customer’s financial status and ongoing operations.
- Maintain a credit file on each customer including financial data, correspondence, and other pertinent documents.
- Develop workout programs when appropriate.
- Work with outside legal counsel to ensure that proper documentation is in place for new and existing loans.
- Represent the Bank in various community and industry related activities.
- Maintain knowledge of regulatory compliance and developments for assigned area.
Required Education and Experience
- 5 or more years of experience in commercial lending
- Knowledge of loan products, and lending compliance and regulations
- Experience in commercial lending department function and procedures
- Knowledge of commercial loan underwriting requirements
Preferred Background and Experience
- Bachelors in Business Administration with concentration in Finance, Economics or Accounting.
Required Competencies
- Demonstration of the Bank's Core Values of Kindness, Integrity, Community, Teamwork, and Excellence
- Excellent verbal and written communication skills
- Strong business acumen, analytical skills, attention to detail, and sound decision making
- Demonstration of ethical conduct and financial management
Travel
At least 75% daytime travel between offices, bank branches, and customers’ locations.
See All 43 Loan Officer Jobs in Massachusetts
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Find Loan Officer JobsLoan Officer Jobs by City in Massachusetts
Where Massachusetts roles are concentrated, by current openings.
Loan Officer Job Market in Massachusetts
A snapshot from current Massachusetts openings, updated as new roles post.
Who's Hiring
- Primary Residential Mortgage10
- NextGen Mortgage7N
- Rockland Trust Company4
- Jobot3
- Kind Lending2
Top Industries Hiring
- Staffing & Recruiting
- Banking & Financial Services
What Massachusetts Employers Look For
The qualifications that appear most often in loan officer jobs across Massachusetts.
- Active Massachusetts Mortgage Loan Originator license through the Division of Banks required
- NMLS registration and completion of required pre-licensure education hours
- Bachelor's degree in finance, business, economics, or a related field
- Proven experience underwriting or originating conventional, FHA, or VA loans
- Strong working knowledge of federal lending regulations including RESPA and TILA
- Proficiency with loan origination software such as Encompass or Byte
Loan Officer Jobs in Massachusetts: Frequently Asked Questions
How do you become a loan officer in Massachusetts?
To become a mortgage loan officer in Massachusetts, you must obtain a Mortgage Loan Originator license through the Massachusetts Division of Banks. The process requires completing pre-licensure education, passing the SAFE Mortgage Loan Originator Test, and registering through the Nationwide Multistate Licensing System. Commercial loan officers at banks generally do not need this license but typically hold a bachelor's degree in finance or a related field and gain experience through credit analyst or banking associate roles.
How much do loan officers make in Massachusetts?
Loan officers in Massachusetts earn a median of about $101,600 a year, based on May 2025 Bureau of Labor Statistics wage data, ranging from around $64,680 for the lowest 10% to over $198,220 for the top 10%. Pay rises with experience, specialty, and employer.
Which companies hire loan officers in Massachusetts?
Employers hiring loan officers in Massachusetts right now include Primary Residential Mortgage, NextGen Mortgage, and Rockland Trust Company, based on current listings on Migrate Mate as of November 2026. Massachusetts's dense network of community banks, credit unions, and regional lenders means hiring is spread across both large institutions and locally chartered banks with strong residential and commercial portfolios.
Which Massachusetts cities have the most loan officer jobs?
Boston, Springfield, and Lowell have the most loan officer openings in Massachusetts. Boston drives the largest share of postings given its concentration of regional bank headquarters, mortgage companies, and commercial real estate activity, while Worcester and Springfield reflect significant community banking markets serving the state's interior and western regions.
Are there remote loan officer jobs in Massachusetts?
Yes, but they're less common than in purely desk-based fields, since loan officers often meet clients in person and attend closings. About 85% of loan officer openings tied to Massachusetts are remote or hybrid as of November 2026, with remote work most common in telephone-based consumer lending and inside sales origination roles rather than branch-based mortgage or commercial lending positions.
How can I get hired as a loan officer in Massachusetts with little or no experience?
The most realistic entry path is a loan processor or loan coordinator role, which large Massachusetts lenders like Eastern Bank and Rockland Trust use as a pipeline into origination. Credit union member service positions and banking associate programs at Citizens Bank or Webster Bank also provide a foothold. Completing your NMLS pre-licensure coursework and passing the SAFE exam before applying signals commitment and removes a key hiring barrier, even without origination volume on your record.
Where can I find and apply to loan officer jobs in Massachusetts?
You can find and apply to loan officer jobs in Massachusetts on Migrate Mate, which lists current openings from lenders and banks across the state. Find roles that match your specialty and experience level and apply directly to the employers posting them.
See All 43 Loan Officer Jobs in Massachusetts
Find roles in Massachusetts that match your experience and apply in just a few clicks.
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