Job Opportunities

Job Title: Branch Manager / Financial Service Representative

Reports to: Commercial Sales Manager / Head of Retail

Location: Clarksville - Tiny Town Location

FLSA Status: Exempt

ESSENTIAL JOB DUTIES: The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons.

The incumbent will utilize Bank Policy and procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is the responsibility of the Branch Manager to ensure quality performance and to report risk and exposure to management immediately. Offers a full range of banking services to all customers and potential customers.

Is responsible for efficient, effective management of a full-service branch office, ensuring that established policies and procedures are followed, and may delegate some day-to-day operations to the assistant branch manager in order to be available to make business calls. Offers the full range of banking services to all customers and potential customers.

• Schedules, may assign work to, and review job performance and may make recommendations with regard to hiring and when necessary, work with the Chief Human Resources Officer and Head of Retail to discipline subordinate branch personnel. May conduct regular meetings to keep staff informed and resolve problems.
• Works closely with Chief Human Resources Officer, Branch Training & Development Manager and Head of Retail, ensuring the branch is adequately staffed with employees committed to the bank and branch goals.
• Ensures that the branch is open and ready to conduct business each business day. May delegate various operations duties to an assistant branch manager, but assumes overall administrative responsibility for operating the branch.
• Provides excellent customer service by offering the full range of banking services to all customers and potential customers.
• Interviews loan applicants, collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Submit loan requests to Underwriting, if necessary, for formal qualification, approval, and/or decline.
• May be responsible for entering data into the bank’s loan processing system and the processing of applicable loan.
• Establish and negotiate, where necessary, the terms under which credit will be extended, including fees, repayment method and collateral requirements all in compliance with the Bank’s lending policies and procedures. Obtains proper loan approval.
• Develop business checking and deposit relationships with customers as well as cross-selling Bank services.
• Promotes business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.
• Will have extensive contact with customers, the public and employees, and is to conduct relationships in a manner that will enhance the overall marketing effort of the Bank.
• Develops and carries out a sound, aggressive, and controlled program of business development and retention to meet profit and growth objectives.
• Ensures that the teller stations are balanced at the close of each business day.
• Is responsible for the general maintenance of the branch. Follows established precautionary procedures to assure that maximum security of the branch prevails at all times.
• Implements appropriate controls and action plans over all internal and external activities relative to the branch to assure attainment of established objectives.
• Exercises daily supervision of banking staff and sees that operational efficiency is carried out.
• A thorough knowledge of branch operations to coordinate the daily functioning of the branch and to resolve employee and customer problems.
• Complete familiarity with all bank products, lending policies and guidelines.
• Must register with the Nationwide Mortgage Licensing System and Registry (NMLS) in order to comply with the federal Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act).
• Completes all Bank training in a timely manner.

SUPERVISORY RESPONSIBILITIES: This position carries direct supervisory responsibilities; this individual serves in the capacity of a leader among his/her peers in the manner in which he/she performs his/her job duties.

QUALIFICATIONS: A minimum of 3-5 years’ experience as a proven lender. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

LANGUAGE SKILLS: Ability to read and comprehend simple and complex instructions, simple and complex correspondence, and memos. Ability to write simple correspondence. Must be able to speak, read, write, and understand the primary language(s) used in the workplace.

MATHEMATICAL SKILLS: Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs

REASONING ABILITY: Ability to apply commonsense understanding to carry out instructions furnished in written, oral, or diagram form.

CERTIFICATES, LICENSES, REGISTRATIONS: Valid driver’s license; Finance degree from 4-year college or combination of college and work experience.

WORK ENVIRONMENT: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this position, the employee may be exposed to risk of electrical shock. The employee may be exposed to fumes or airborne particles and vibration. The noise level in the work environment is usually quiet.

PHYSICAL DEMANDS: The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit and use hand to finger dexterity, handle, and/or feel. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch, or crawl, speak and listen and use close and distance vision. The employee may lift and /or move up to 25 pounds.

OTHER SKILLS AND ABILITIES: Minimum 3-5 years’ bank manager/lending experience required. Excellent management skills are required. Individual must possess outstanding customer service skills, acute attention to detail, and an ability to learn and follow F&M Bank’s operational and security procedures. Ability to operate common office machines, and general computer capabilities. Ability to learn specific software applications. Ability to interact effectively with customers, superiors, peers, and subordinates. Ability to organize and prioritize work, and to meet deadlines. Strong verbal, written, and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality. The interpersonal skills necessary to conduct business development calls. Must be team oriented.

Disclaimer: The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME

Job Title: BSA / AML Analyst

Reports to: Chief Internal Audit and Compliance / BSA Officer

Location: Clarksville

FLSA Status: Non-Exempt

SUMMARY: The BSA/AML Analyst will work closely with the BSA Officer, Assistant BSA Officer and other BSA Analyst(s). BSA/AML Analyst will be responsible in all aspects of the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), USA Patriot Act, and Office of Foreign Assets Control (OFAC) compliance. Provide assistance in maintaining the BSA monitoring program, including but not limited to: new account worksheet reviews, including know your customer (KYC), alerts, customer identification program (CIP) compliance, customer due diligence (CDD), and conducting enhanced due diligence (EDD) reviews of higher-risk customer relationships, using industry standards and regulatory guidance to ensure the Bank’s compliance efforts are maintained, as well as investigation and analysis for completion of Suspicious Activity Reports (SARs), monitoring and testing of compliance with OFAC, and the Bank’s compliance with AML laws.

ESSENTIAL JOB DUTIES: The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or other reasons.

• Perform/conduct Know Your Customer (KYC) and Customer Identification Program (CIP) reviews on all new customers, and/or Enhanced Due Diligence (EDD) reviews of existing high-risk customers in accordance with relevant laws, regulations, and Bank policies and procedures.
• Monitoring customer activity, including conducting investigations and completing written narratives including SAR filing recommendations.
• Utilizing all available internal/external systems to develop a comprehensive analysis.
• Review, update, and verify customer profiles over the course of the relationship, in the BSA/AML monitoring software, for accuracy and completion to maintain an appropriate risk-based program and reliable risk scoring system.
• Perform moderately complex investigations to identify Bank Secrecy Act issues such as money laundering, terror financing, internal/external fraud schemes, structuring, and illegal money service business activity.
• Review and investigate OFAC alerts for a determination of actual OFAC match or false match and respond to OFAC related questions from branches and various departments.
• Process Financial Crimes Network (FinCen) 314(a) list and reports back to FinCen any accounts for those that are on the 314(a) list.
• May assist with Currency Transaction Reporting (CTR), including daily review, processing, preparation and or filing of CTRs.
• Review and or approve international wires for compliance with BSA/AML and OFAC requirements.
• Assist during examinations and audits conducted by the regulatory authorities and external and internal auditors.
• Any other duties assigned to assist the BSA Dept. in fulfilling its duties for regulatory compliance with the Bank Secrecy Act.

QUALIFICATIONS: A minimum of 3 years BSA/AML experience which would substantially demonstrate the following knowledge and abilities:

Comprehensive knowledge of:

• Banking policies and procedures, with specific focus on Bank Secrecy Act and OFAC regulations.
• Experience with high-risk industries, such as money services business (MSBs) and cannabis related business (CRBs) preferred.
• Understanding of teller transactions and how they are processed preferred.
• Internal control philosophies and regulatory compliance issues relating to branch banking.
• Computer hardware and software, with Fiserv Premier/Navigator knowledge a plus.

Ability to:

• Read, analyze, and interpret Federal, State and bank regulations and procedures.
• Maintain confidentiality of files and privileged information.
• Understand and follow complex written and verbal instructions.
• Establish and maintain effective relationships with those contracted in the course of work.
• Establish and maintain effective relationships with all levels of personnel, as well as outside customers and vendors.
• Be organized and detail oriented.
• Exhibit exceptional written and verbal communication skills, including accurate grammar and business correspondence.

PHYSICAL DEMANDS: The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is regularly required to talk and to hear. Employee frequently is required to sit for prolonged. Employee is occasionally required to stand; walk; use hands to finger, handle, or feel objects, tools, or controls; reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl. Employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and distance vision.

WORK ENVIRONMENT: Work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this position, the employee may be exposed to risk of electrical shock. The employee may occasionally be exposed to fumes or airborne particles and vibration. The noise level in the work environment is usually quiet to moderate.

OTHER SKILLS AND ABILITIES: 

• Working knowledge of Microsoft Office programs, i.e. Word and Excel, is required
• Ability to learn specific software applications
• Ability to obtain a working knowledge of the laws and regulations applicable to the job responsibilities
• Ability to research and analyze information to identify suspicious activity
• Must be a self-motivated and detail oriented individual able to complete tasks with a high degree of accuracy
• Ability to handle multiple tasks
• Ability to organize and prioritize work, and to meet deadlines
• Strong teamwork and team leadership skills. Ability to work effectively within a team during larger projects to ensure all objectives have been achieved
• Strong negotiation, presentation and communication skills, whether written or oral. Ability to apply and share specialized knowledge and train others on new processes and policies.
• High tolerance for and focused approach to resolving vague issues
• Ability to perform research and analysis of regulations and form conclusions that can be precisely communicated
• Must be professional in appearance and demeanor at all times
• Committed to excellence and high standards
• Ability to understand sensitive data and to maintain confidentiality
• Must be able to report to work each day on time
• Overtime hours may be required from time to time
• Complete all Bank training in a timely manner

Disclaimer: The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME