Loan Originator: COCC in Ludlow

The Loan Originator role at COCC is an on-site lending position in Ludlow, Massachusetts. The position pays $60,000 to $65,000 depending on experience. The work covers consumer and residential lending from the first member interview through loan decisioning. COCC is hiring an originator who can evaluate credit, income, employment, collateral, and debt ratios while explaining lending choices clearly. The role includes mortgage, home equity, home equity line of credit, construction, bridge, and related products.

The position was posted on September 23, 2026. The work serves members who need guidance through prequalification, documentation, underwriting, and closing preparation. Loan volume, referral relationships, and regulatory compliance all sit within the role's daily scope. The position is filed with mortgage roles , and mortgage professionals form the wider professional setting.

• Role:
  Loan Originator
• Employer:
  
  COCC
• Location:
  
  Ludlow, MA
• Work arrangement:
  On-site
• Pay: $60,000 to $65,000, depending on experience
• Employment type:
  
  Full-Time

The role sits at the point where a member's financial situation becomes a lending decision. An originator conducts the initial interview, collects supporting records, reviews the application, and prepares the file for approval. Creditworthiness includes income, employment, collateral, debt ratios, and the quality of the submitted documentation.

Mortgage lending forms a central part of the work, but the product range also includes home equity financing, HELOCs, construction loans, and bridge loans. Prequalification conversations help members understand available products before a complete loan package moves through review. A strong file keeps its purpose, repayment picture, property information, and supporting documents consistent from interview through decision.

• Interview members and prequalify applicants.
• Review credit, income, employment, collateral, debt ratios, title reports, insurance, and appraisals.
• Prepare loan packages and approve loans within delegated authority.
• Submit loans outside that authority for additional approval.
• Explain rates, policies, decisions, alternatives, and product choices.
• Coordinate with internal departments and support other lending staff.

COCC's originator discusses mortgage products with members and connects those products to the member's stated purpose. Residential purchases, home equity needs, construction projects, and short-term bridge financing each require different documentation and repayment analysis. The role also includes cross-selling related lending and financial services when those products match the member's needs.

Clear explanations are part of the lending work. Members receive information about rates, policies, decisions, and available alternatives during the process. The originator also builds referral relationships and supports business development tied to the lending portfolio. Ludlow opportunities include work connected to the local member community.

Credit review begins with a complete view of the applicant's finances and the property securing the loan. The originator examines income, employment, existing debt, collateral, title information, insurance, and appraisal material. Each item supports a decision about repayment capacity, collateral position, or the terms available for the request.

Loans within delegated authority can move forward through the originator's approval process. Files outside that authority go to the required approval channel with the supporting package intact. The role requires familiarity with lending regulations, consumer and residential lending, documentation standards, processing, and underwriting guidelines. mortgage lending positions use the same broad vocabulary of credit review and product knowledge.

COCC requires a high school diploma and three years of related experience and/or training. The work calls for organized files, timely follow-up, strong communication, and member-service judgment. Time management matters because interviews, document review, approvals, referrals, and internal coordination can share the same workday.

Internal relationships extend across the lending team and other departments. The originator assists lending colleagues, coordinates information, and keeps explanations consistent as a file progresses. Referral relationships add an external business-development responsibility, while compliance keeps…