What We're Looking For: Are you someone who thrives on precision, compliance, and understands the full journey of a loan from application to close? Join us as we launch this brand-new position, a Retail Loan Quality Review Analyst , which is a critical role designed to enhance loan quality and regulatory integrity across our mortgage and consumer lending operations. While other institutions have scaled back or laid off lending staff due to market pressures, our company has weathered the storm. We've remained strong, stable, and focused on long-term growth, and this role is a direct investment in that future.

Location & Work Environment: The role is based at our corporate headquarters in Chambersburg, PA, with the potential for a hybrid work arrangement after onboarding and based on performance.

Why This Role Matters: As our first Retail Loan Quality Review Analyst, you'll set the standard for loan review excellence. Your attention to detail and regulatory knowledge will help prevent costly errors, improve borrower experiences, and support our commitment to compliance and quality.

What You'll Do: Conduct post-closing reviews of consumer and residential mortgage loans to ensure regulatory compliance and proper documentation. Perform pre-closing quality checks on a sample of loans to identify and correct potential issues. Use structured review checklists and communicate findings promptly for timely resolution. Monitor loan pipelines (in Encompass) for ongoing compliance with TRID, RESPA, TILA, ECOA, HMDA, and other key regulations. Partner with the Compliance and Documentation team to serve as a liaison and subject matter expert. Track trends, support process improvement, and provide regulatory training for lending staff. Assist in developing or updating procedures for both consumer and mortgage lending operations.

Must-Haves: Hands-on experience in mortgage and consumer lending, with a deep understanding of the full loan process from origination to closing. Ability to interpret complex lending regulations and confidently address discrepancies. Extremely detail-oriented with strong organizational and follow-up skills. A minimum of 3 years in lending, loan operations, or compliance.

Nice-to-Haves: Knowledge of Encompass, LaserPro, or DecisionPro software. Ability to work independently and manage priorities in a structured environment. Advanced training or certifications (i.e., FHA, VA loan courses). CRCM certification preferred or willingness to obtain.

Education: High school diploma or equivalent required. Ongoing continuing education and regulatory training is encouraged and expected.

Alternate Job Titles You Might Recognize: Loan QA | Loan Compliance Reviewer | Mortgage QA Analyst | Loan Quality Controller | Mortgage Quality Assurance | Loan Documentation Reviewer | Mortgage Reviewer

Be Part of Something New-And Built to Last If you're excited by the opportunity to shape a brand-new role in a company that's remained resilient in a shifting market, this is your moment. Your skills can make an immediate and lasting impact. Apply today and help us raise the bar for loan quality. We'll be in contact with the most-qualified applicants who meet our hiring criteria in the upcoming weeks to begin interviews.

Comprehensive Benefits Include: Medical, Dental, and Vision Insurance Company Stock Ownership through Employee Stock Purchase Plan Generous Paid Time Off Schedule and 11 Paid Bank Holidays 401(k) with up to a 6% Match Paid Life Insurance, Short-term Disability, and Long-term Disability And much more!

F&M Trust is an Equal Opportunity Employer

Job Posted by ApplicantPro