Job Description

ABOUT THE ROLE

F&M is seeking a seasoned Mortgage Loan Officer (MLO) to join the F&M Trust mortgage team. If you have a proven history of originating residential mortgages within the Greater Capital Region footprint, and you want to join a true community bank where world class customer service is the driving force, we encourage you to continue reading.

You bring a strong commitment to serving your mortgage customers and a demonstrated ability to build your own pipeline through self-sourced relationships. In return, we offer the following:

• A comprehensive suite of mortgage programs at competitive market rates, including

• Traditional offerings such as conventional, FHA, VA, USDA, PHFA, and ARM programs
• Construction, rehab, bridge, and lot loans serviced by F&M Trust
• Professional and community champions 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 the origination of new first mortgages, including lot and bridge loans

• The flexibility to choose the compensation structure that best aligns with your business style and production preferences. You may select a salary plus commission model or a full commission model with a repayable draw. Both options offer strong earning potential and support high producing mortgage loan officers.
• A complete and comprehensive benefits package

We are looking for an individual who is energized by developing strong external referral relationships. You actively cultivate business through realtors, home builders, community partners, and other centers of influence, and you do not rely on internal referrals to drive your production. You will spend time building relationships with the branches assigned to you so you can establish trust, become a familiar resource for their teams, and receive referrals that complement your self-sourced pipeline.

We recognize that it can be difficult to walk away from a pipeline you have worked hard to build. To support your transition, we offer financial solutions designed to help bridge the gap and create a smoother move into your new role.

MINIMUM QUALIFICATIONS

• A high school diploma or equivalent is required
• Track record of originating home purchase loans
• Passion for helping borrowers realize their dreams of homeownership
• Previous experience with personal computers and office equipment; Encompass experience is a plus
• Strong verbal and written communication skills.
• Customer service oriented
• Ability to independently generate mortgage business through self-sourced leads and external relationships

If this opportunity interests you and you have the 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 in the upcoming weeks to begin scheduling interviews.

COMPARABLE JOB TITLES

To help our job title resonate when searching for your next career, our job title here at F&M Trust is Mortgage Loan Officer, while other companies may use Mortgage Originator, Mortgage Loan Originator, Mortgage Lender, or Mortgage Officer.

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

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