Role FocusThe Mortgage Loan Officer role is centered on sales, relationship development, and business growth. This position is responsible for generating residential mortgage production by actively cultivating relationships both inside and outside the organization.Key aspects of the role include:Originating residential mortgage loans within the Greater Capital Region footprintBuilding, maintaining, and expanding referral relationships with realtors, builders, community partners, and other centers of influenceServing as a trusted resource and advisor to borrowers throughout the mortgage financing processDeveloping familiarity and trust within assigned branch locations to complement externally sourced businessManaging and growing an individually sourced mortgage pipeline rather than relying solely on internal referralsMortgage Products & Lending CapabilitiesF&M Trust provides a comprehensive selection of lending solutions so Mortgage Loan Officers can meet a wide range of borrower needs, including:Conventional, FHA, VA, USDA, PHFA, and ARM mortgage programsConstruction, rehabilitation, bridge, and lot loans serviced by F&M TrustProfessional and community champion mortgage programsThe ability to originate loans that may not be sellable on the secondary marketCompetitive home equity products in Central Pennsylvania and Northern Maryland that support first‑mortgage origination, including lot and bridge loansCompensation & BenefitsWe offer flexibility in compensation structure to align with individual production styles and preferences:Salary plus commissionFull commission with a repayable drawBoth structures provide strong earning potential and are designed to support high‑producing Mortgage Loan Officers.A complete and comprehensive benefits package is included.We also recognize that transitioning from an existing mortgage pipeline can be challenging. To support your move, financial solutions are available to help bridge the gap and create a smoother transition into your new role.Minimum QualificationsHigh school diploma or equivalentDemonstrated track record of originating home purchase loansPassion for helping borrowers achieve their homeownership goalsAbility to independently generate mortgage business through self‑sourced leads and external relationshipsStrong verbal and written communication skillsCustomer‑service oriented approachPrevious experience with personal computers and office equipment; Encompass experience is a plusNext StepsIf this opportunity aligns with your experience and drive to deliver strong mortgage sales and exceptional customer service, we encourage you to complete an online employment application. We will contact the most qualified applicants who meet our hiring criteria to begin scheduling interviews.Comparable Job TitlesAt F&M Trust, this position is titled Mortgage Loan Officer. Other organizations may use titles such as Mortgage Originator, Mortgage Loan Originator, Mortgage Lender, or Mortgage Officer.#zrF&M Trust is an Equal Opportunity Employer - Disability/Vet
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