Job Description

Role Focus

The 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 footprint
• Building, maintaining, and expanding referral relationships with realtors, builders, community partners, and other centers of influence
• Serving as a trusted resource and advisor to borrowers throughout the mortgage financing process
• Developing familiarity and trust within assigned branch locations to complement externally sourced business
• Managing and growing an individually sourced mortgage pipeline rather than relying solely on internal referrals

Mortgage Products & Lending Capabilities

F&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 programs
• Construction, rehabilitation, bridge, and lot loans serviced by F&M Trust
• Professional and community champion mortgage programs
• The ability to originate loans that may not be sellable on the secondary market
• Competitive home equity products in Central Pennsylvania and Northern Maryland that support first‑mortgage origination, including lot and bridge loans

Compensation & Benefits

We offer flexibility in compensation structure to align with individual production styles and preferences:

• Salary plus commission
• Full commission with a repayable draw

Both 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 Qualifications

• High school diploma or equivalent
• Demonstrated track record of originating home purchase loans
• Passion for helping borrowers achieve their homeownership goals
• Ability to independently generate mortgage business through self‑sourced leads and external relationships
• Strong verbal and written communication skills
• Customer‑service oriented approach
• Previous experience with personal computers and office equipment; Encompass experience is a plus

Next Steps

If 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 Titles

At 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.

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F&M Trust is an Equal Opportunity Employer - Disability/Vet

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