Mortgage Lending Officer

F&M Trust • Carlisle, PA

19h • Hybrid

About The Position

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. The role also involves 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, and managing and growing an individually sourced mortgage pipeline rather than relying solely on internal referrals. F&M Trust provides a comprehensive selection of lending solutions including Conventional, FHA, VA, USDA, PHFA, and ARM mortgage programs, Construction, rehabilitation, bridge, and lot loans, professional and community champion mortgage programs, the ability to originate loans that may not be sellable on the secondary market, and competitive home equity products in Central Pennsylvania and Northern Maryland that support first-mortgage origination, including lot and bridge loans.

Requirements

• 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

Nice To Haves

• Encompass experience is a plus

Responsibilities

• 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

Benefits

• Flexibility in compensation structure to align with individual production styles and preferences: Salary plus commission or Full commission with a repayable draw
• Strong earning potential
• A complete and comprehensive benefits package
• Financial solutions available to help bridge the gap and create a smoother transition into your new role

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: High school or GED
• Number of Employees: 1-10 employees