Job Opportunities

Job Title: BRANCH MANAGER/CONSUMER LENDER/FINANCIAL SERVICE REPRESENTATIVE

Reports to: Director of Branch Administration/Commercial Sales Manager

Location: Midtown 

FLSA Status: Exempt

SUMMARY: The Branch Manager/Consumer Lender/Financial Service Representative will direct and supervise the staff and day-to-day operations in the assigned branch location, ensuring delivery of quality customer service and achievement of sales or productivity goals and takes a proactive approach to business development growth of loan portfolio. Incumbent will build, lead and develop the branch team so that customer will know F&M Bank as the trusted provider and preferred source of financial services.

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 Corporate Policy and procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is the responsibility of the incumbent to ensure quality service and to report risk and exposure to Senior Management immediately.

Branch Manager Duties:

• Complete knowledge and understanding of all Federal regulations, Bank products, lending policies/guidelines, policies, and procedures.
• Exercises daily supervision of banking staff and sees that operational efficiency is carried out; serves as a role model for maintaining a positive branch environment.
• Per bank policies and procedures, follows controls and action plans over all internal and external activities relative to the branch to assure attainment of established objectives.
• Works with Branch Administration for the purpose of ensuring that branch operations are handled appropriately.
• A thorough knowledge of branch operations to coordinate the daily functioning of the branch and to resolve employee and customer problems - working closely with the Branch Administrator and Chief Human Resources Officer
• Ensures all branch opening and closing procedures are followed each day.
• Works closely with Branch Administration and Chief Human Resources Officer, ensuring that the branch is adequately staffed with employees committed to the bank and branch goals.
• Branch Manager is visible in the community and must participate in local community affairs and support local activities. 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.
• May conduct regular meetings to keep staff informed and resolve problems.
• Responsible for branch Haberfeld program and goals
• Maintains good working relationship with mortgage division, investment division, etc. to effectively refer customers to the appropriate staff for new services.
• May have ATM balancing duties.
• 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.
• Answers questions and solves problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers, and reporting results to inquiring party.
• Completes all BAI courses in a timely manner.
• Reports to work on a daily basis according to work schedule.

Consumer Lending Duties:

• 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).
• Interviews consumer loan applicants, collects and analyzes financial and related data.
• May be responsible for entering data into the bank’s loan processing system.
• Submit loan requests to Underwriting, if necessary, for formal qualification, approval, and/or decline
• Works with Commercial Sales Manager regarding loan portfolio growth/production
• Use knowledge of business, finance, banking, credit, and risk management to identify, recommend, and promote solutions that best serve the client and ensure the profitability of the portfolio.

Financial Service Representative Duties:

• If there is a staffing shortage, the incumbent will run a teller window or perform duties associated with the Financial Service Representative position.
• Provides excellent customer service by offering the full range of banking services to all existing and potential customers.
• Maintain, expand, and acquire personal and business banking relationships through prospecting, networking, in-person calling and involving internal staff. Must possess the interpersonal skills necessary to conduct business development calls.
• Opens new accounts, explaining options such as single and joint ownership, revocable trust accounts, various savings, certificate and checking account programs available, gathering needed information from the customer, transferring funds from existing accounts. Prepares all paperwork and assists the customer in the signing of documents necessary to process new accounts. Receives initial deposit and ensures that all new accounts are properly processed.
• Actively cross-sells the bank’s services in a professional manner.
• Completes all required account arrangements and documents.
• Opens IRA/Keogh retirement accounts, including acquainting the customer with various legal requirements, gathering necessary information, and preparing the documents.
• Processes all retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area.
• Ensures that the teller windows are balanced at the close of each business day and reports excessive outages to Security Officer and Branch Administrator
• Perform all other teller functions – to include cashier’s checks, money orders, gift cards, wire transfers, telephone transfers, stop payments, cash advances and all payment functions.
• Proficient in counting currency and coins.
• Accurately balance teller station at close of business day; complete proper tickets, count currency and coin; report outage to Management in accordance with the Teller Performance Standards
• Process payments on installments loans, mortgage loans, commercial loans, charge customer accounts
• Counts, proves, and packages currency and coin.
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded.
• Identify counterfeit currency.
• Process financial transactions for personal and commercial customers in an accurate and efficient manner.
• Complete correct bank documentation in order to process each transaction accurately and efficiently.
• Examine checks deposited and determine proper funds availability based on regulation requirements and complete hold notices.
• Complete knowledge and understanding of proper operation of teller terminal.
• Duties associated with Remote Branch Capture – scanning of teller work to IP Department in a timely manner.
• Process transactions according to Bank Policy as outlined in F&M Bank’s Teller Performance Standards, Night Deposit Services Policy and Check Cashing Service Policy.

SUPERVISORY RESPONSIBILITIES: This position carries 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: Five years or more of bank manager/consumer lending experience within a financial organization to gain the necessary experience and background knowledge to manage a full-service branch and deal effectively with employee and customer relations matters. Strong current business network.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed are representative of the knowledge, skill, and/or ability required.

LANGUAGE SKILLS: Ability to read and comprehend written and verbal instructions, short correspondence, and memos. Ability to write 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.

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

CERTIFICATES, LICENSES, REGISTRATIONS: Associate degree and equivalent industry experience required. Bachelor’s degree in finance preferred, Current Driver’s License

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. The noise level in the work environment is usually quiet to moderate.

PHYSICAL DEMANDS: The physical demands described here 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 sit; use hand(s) to finger, handle, or feel; reach with hand(s) and arms, talk and/or hear. The employee is frequently required to stand and walk. The employee may occasionally lift and/or move up to 15 pounds. Specific vision abilities required by this job include close vision and distance vision.

OTHER SKILLS AND ABILITIES: Outstanding customer service skills; Acute attention to detail; Ability to learn and follow F&M Bank’s operational and security procedures; Highly proficient in MS Office tools including Outlook, Excel, Word. Ability to learn specific software applications. Ability to effectively communicate with people at all levels and from various backgrounds; Strong organizational skills; able to manage priorities and workflow. Strong verbal, written, and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality. Must be professional in appearance and demeanor. Committed to excellence and high standards; Must be team-oriented and promote a positive branch atmosphere at all times.

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.

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Job Title: BSA/AML Analyst

Reports to: Director of Regulatory Compliance & Audit

FLSA Status: Non-Exempt

ESSENTIAL DUTIES AND RESPONSIBILITIES: 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.

This individual will be responsible for performing day-to-day analysis ensuring the Bank’s compliance with the aspects of the Bank Secrecy Act, USA Patriot Act and Office of Foreign Assets Control that generally involve monitoring identifying and reporting of suspicious activity related to potential money laundering activity or terrorist financing.

Essential Job Functions

• Perform the BSA Department due diligence, including CIP, CDD, Beneficial Ownership and OFAC review for new and existing customers at new account openings, and periodically throughout the relationship as needed;
• Review onboarding documentation for compliance with the Bank’s policies and coordinate with other departments and employees to obtain any additional required documentation;
• Review Customer Due Diligence, and perform Enhanced Due Diligence as needed, to determine associated risks with new relationships;
• 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;
• Utilize the Bank’s data systems and reporting, 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;
• Review and investigate the FinCen 314a posting to the Security Information Sharing System for a determination of potential matches;
• Second review of cash and currency transaction reports, (CTR), responsible for daily filings of CTR’s. filing;
• Backup for suspicious activity report (SAR) review and filings.
• Review international wires for compliance with BSA/AML and OFAC requirements;
• Demonstrate proficiency in investigative practices associated with an experienced investigator (conduct interviews, collect data, compile documentation and evidence, maintain accurate notes, develop initial and ongoing reports of investigations, and prepare comprehensive, accurate and timely Suspicious Activity Reports).
• Read, research, interpret and generally stay abreast of the requirements of the Bank Secrecy Act;
• Assist team members with specific BSA and OFAC related questions;
• Assist in the development, maintenance and delivery of tailored training modules on BSA/AML compliance topics;
• Assist during examinations and audits conducted by the regulatory authorities and external and internal auditors;
• Attend industry forums to enhance compliance knowledge;
• Report to work on a daily basis according to scheduled set by Manager;
• Perform all job functions in accordance with F&M Bank’s policies and procedures;
• Performs other related duties as assigned or requested.

SUPERVISORY RESPONSIBILITIES: Although this position carries no direct supervisory responsibilities, this individual serves in the capacity of a leader among his/her peers in the way he/she performs his/her job duties.

QUALIFICATIONS: 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 reports, business correspondence via email. Ability to read, analyze and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to effectively present information and respond to questions from groups of managers, clients, customers and the general public. 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.

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

CERTIFICATES, LICENSES, REGISTRATIONS: General banking experience required; Current Driver’s License; High School Diploma or Equivalent

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 hands to hand(s) to finger, handle, or feel; reach with hand(s) and arms, talk and/or hear. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl. The employee may lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and distance vision.

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 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: 

• 3-5 years general banking experience
• 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

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.

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Job Title: Floating Financial Service Representative

Reports to: Teller Coordinator; Branch Manager

FLSA Status: Non-Exempt

SUMMARY: Performs a variety of functions for deposit and loan customers. Strives to retain present customers and develop new business by extending professional and efficient service. Suggests additional services and products to meet customer’s needs. Adheres to all compliance and security procedures. Travels from branch to branch, wherever needed.

ESSENTIAL DUTIES AND RESPONSIBILITIES: 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 for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary

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 incumbent to ensure quality service and to report risk and exposure to management immediately. Under general supervision, but in compliance with established policies and procedures, serves customers by providing product and service information. Resolves customer service problems and recommends products or services to potential customers. Must have extensive knowledge of all Bank products. All tasks should be performed in a timely manner and will include but not be limited to the following:

• Will have extensive contact with customers and the public, conducting relationships in a manner that will enhance the overall marketing effort of the Bank.
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to management
• Must be able to deal effectively and tactfully with all types of customers
• Assist customers in a professional and service-oriented manner.
• Answer in-person and telephone customer inquiries on account balances, bank products and services; assist customer with completion of proper documents.
• Process financial transactions for personal and commercial customers in an accurate and efficient manner.
• Complete correct bank documents in order to process each transaction accurately and efficiently.
• Operate teller terminal using proper function keys;
• Assist with duties associated with Remote Branch Capture
• Process transactions according to Bank Policy as outlined in Teller Standards Policy.
• Balance teller station at close of business day: complete proper cash tickets, count currency and coin counts, proves and packages currency and coin; secures teller drawer at end of day
• Report outages in accordance with Teller Performance Standards
• Under the direction of the Teller Coordinator/Branch Manager, may assist with the operation of the branch ATM
• Ensure Night Deposits are processed in accordance with policy, procedure and proper security
• Perform all other teller functions – to include cashier’s checks, money orders, gift cards, travel cards, wire transfers, telephone transfers, stop payments, advances and all payment functions
• Assist customers in a professional and service-oriented manner
• Opens new accounts, explaining options such as single and joint ownership, revocable trust accounts, various savings, certificates of deposits and checking account programs available; gathering needed information from the customer, transferring funds from existing accounts. Prepares all paperwork and assists the customer in the signing of documents necessary to process new accounts. Receives initial deposit and ensures that all new accounts are properly processed.
• Actively cross-sells the bank’s services in a professional manner.
• Completes all arrangements and documents for such services as fund transfers
• Answers questions and solves problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers and reporting results to inquiring party.
• Opens IRA/SEP retirement accounts, including acquainting the customer with various legal requirements, gathering necessary information, and preparing the documents.
• Processes all retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area.
• Performs a range of related duties and may assist other tellers or branch personnel.
• Reports to work on a daily basis at scheduled time

SUPERVISORY RESPONSIBILITIES: Although this position carries no direct supervisory responsibilities, this individual serves in the capacity of a leader among his/her peers in the way he/she performs his/her job duties.

QUALIFICATIONS: 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 instructions and short memos, write simple correspondents. 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.

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

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or Equivalent; Current Driver’s License

PHYSICAL DEMANDS: The physical demands described here 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 sit; use hand to finger, handle, or feel; reach with hand and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 - 25 pounds. Specific vision abilities required by this job include close vision and distance vision.

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.

The noise level in the work environment is usually quiet to moderate.

OTHER SKILLS AND ABILITIES: 2-4 years of banking experience is 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. Employee must have the ability to operate common office machines, general computer capabilities, demonstrate good computer/10 key skills, and be able to learn specific software applications. Individual must be able to effectively communicate with people at all levels and from various backgrounds. Strong organizational skills and ability to manage priorities and workflow are necessary. Individual must have strong verbal, written and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality is required. The individual must be professional in appearance and demeanor at all times; be committed to excellence, high standards and team oriented. Will be scheduled to work various branches.

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.

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Job Title: Consumer / Commercial Loan Assistant & Consumer Lender

Reports To: Lender/Branch Manager

FLSA Status: Non-Exempt

ESSENTIAL DUTIES AND RESPONSIBILITIES: 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.

Under general supervision, but in compliance with established policies and procedures, serves customers by providing product and service information, ensuring that a high standard of quality and accuracy is maintained at all times. Assist loan officers by the processing of applications, clerical work, customer service, and other related duties with general supervision. Follows the loan policy and procedure manual and the ComplianceOne system manual for systematically completing the loan application tasks. Assists in the timely submission of loans to underwriting department and/or central loan processing department. All tasks should be performed in a timely manner and will include but not be limited to the following:

• Inputs data into the ComplianceOne loan processing system and ensures the accuracy of that data;
• Compiles and reviews residential loan applications to verify that application data is complete and meets Bank’s policy requirements including, but not limited to, type and amount of mortgage, borrower income information, borrower assets, liabilities, and length of employment.
• Submits all loan applications to the central processing department for the processing of any required early disclosures such as RESPA, Truth-In-Lending, etc. to applicants.
• Timely requests missing items from applicants and/or loan officer.
• Reviews credit bureau reports, verifications of deposit, mortgage, and employment information.
• Submits loan requests to Underwriting, if necessary, for formal qualification, approval, and/or denial.
• Submits appropriate documentation to central processing department to properly perfect collateralized loans.
• Submits to central processing any required commercial entity documentation to support loan requests in order to adhere to bank required policy for commercial lending.
• Timely monitors receipt of requested documentation for completeness of application package.
• Provide preliminary review and on-going status updates to the loan officer(s).
• Notify loan officers of underwriting decisions and conditions, if applicable.
• Timely submits denied and/or withdrawn loan applications with documented reasons for denial and any details regarding withdrawal of loan application to central processing for processing of denial notices and withdrawn procedures.
• Review bank’s policy and procedural manuals to ensure compliance with application processing and underwriting procedures.
• Answers questions and solves problems for customers and branch staff concerning all services provided by the bank by listening to problems, collecting data, securing answers and reporting results to inquiring party.
• Will have extensive contact with customers and the public, conducting relationships in a manner that will enhance the overall marketing effort of the Bank.
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to management
• Must be able to deal effectively and tactfully with all types of customers
• Monitor past due loans and exceptions
• Complete construction inspection order form/forward inspection request to Collateral Services for approval
• Process tickets for loan advance(s)
• May attend on-going related training as it is provided by Bank.
• Actively cross-sells the bank’s services in a professional manner.
• Report to work on a daily basis at scheduled time.
• Completes all BAI courses in a timely manner.

SUPERVISORY RESPONSIBILITIES: Although this position carries no 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: 3 - 5 years loan experience required; To perform this job successfully, an individual must be able to perform each essential duty satisfactory. 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 written and verbal instructions, instructions, short 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 common sense understanding to carry out instructions furnished in written, oral, or diagram form.

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or Equivalent, Current Driver’s License

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 hands to hand(s) to finger, handle, or feel; reach with hand(s) and arms, talk and/or hear. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl. The employee may lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision and distance vision.

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 occasionally be exposed to fumes or airborne particles and vibration. The noise level in the work environment is usually moderate.

OTHER SKILLS AND ABILITIES: Outstanding customer service skills. Ability to learn and adhere to all F&M Bank policies and procedures. Working knowledge of regulations with regard to loans; Ability to operate common office machines. Excellent computer skills are required with working knowledge of Word and Excel. Ability to learn specific software applications. Ability to interact effectively with customers, superiors, peers, and subordinates. Ability to multi-task, organize and prioritize work, and to meet deadlines. Strong verbal, written, and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality. Must be professional in appearance and demeanor at all times. Committed to excellence and high standards. 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.

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Job Title: Senior Teller

Reports to: Teller Coordinator; Branch Manager

Location: Main Office

FLSA Status: Non-Exempt

SUMMARY: Performs a variety of paying and receiving functions for deposit and loan customers in accordance with bank policies and procedures. Strives to retain present customers and develop new business by extending professional and efficient service. Suggests additional services and products to meet customer’s needs. In addition to normal teller duties, this person, in the absence of the Teller Coordinator, supervises and assists other tellers within the branch in the efficient handling of customer needs, reviews and checks the work of other tellers, assists in the timely resolution of teller issues, and ensures that the branch front line staff adheres to all compliance and security procedures.

ESSENTIAL DUTIES AND RESPONSIBILITIES: 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 for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary.

The incumbent, supervised by the Teller Coordinator/Branch Manager will utilize Corporate Policy and Procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is the responsibility of the incumbent to ensure quality service and to report risk and exposure to management immediately.

• Assist customers in a professional and service-oriented manner.
• Answer in-person and telephone customer inquiries on account balances, bank products and services; assist customer(s) with completion of proper documents.
• Process financial transactions for personal and commercial customers in an accurate and efficient manner.
• Complete correct bank documentation in order to process each transaction accurately and efficiently.
• Examine checks deposited and determine proper funds availability based on regulation requirements and complete hold notices.
• Complete knowledge and understanding of proper operation of teller terminal.
• Supervise and maintain daily operational standards, including, but not limited to, cash drawer security, daily balance of cash drawer, Remote Branch Capture procedures, scanning of teller work to IP Department in a timely manner, counterfeit currency identification, count and roll coins, balance ATM
• Process transactions according to Bank Policy as outlined in F&M Bank’s Teller Performance Standards, Night Deposit Services Policy and Check Cashing Service Policy
• Demonstrate advanced knowledge of available products and services, educating customers, as appropriate, on emerging bank technology and digital solutions such as mobile, online, ATM and other offerings.
• Recognize customer needs and refer customers to appropriate bank representative(s) for cross-sell or service opportunities.
• Under the direction of the Teller Coordinator/Branch Manager, may assist with balancing cash shipments to and from the Fed
• Under the direction of the Teller Coordinator/Branch Manager, may assist with the operation of the branch ATM
• Under the direction of the Teller Coordinator/Branch Manager, may assist other branch tellers in daily balancing and resolution of teller issues or customer service-related issues in a timely manner and in accordance with policy and procedure.
• Proficient in counting currency and coin; accurately balance teller station at close of business day: complete proper tickets, count currency and coin; report outage to Management in accordance with the Teller Performance Standards
• Process payments on installments loans, mortgage loans, commercial loans, charge customer accounts
• Counts, proves and packages currency and coin
• Buy and sell currency from the vault as necessary, ensuring that teller drawer cash limits are not exceeded
• Practice and foster safe and sound bank procedures among Teller staff, including adherence to applicable laws and regulations, internal controls, operational procedures and risk management policies; adhere to security protocols for robbery, fraud, opening/closing process, cash controls, teller procedures, etc.
• Performs a range of related duties and may assist other tellers or branch personnel.
• Ability to deal effectively and tactfully with all types of customers.
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to management.
• Provides guidance and assistance to teller staff as requested by the Teller Coordinator such as transaction approvals, and the resolution of customer service issues.
• Protect the Bank from unnecessary risk or exposure by being familiar with bank procedures and confidentiality guidelines, including, but not limited to, currency transaction reports, suspicious activity reports, Regulation CC holds and documentation, robbery procedures, etc.
• Work with Teller Coordinator to lead the branch in providing consistent, distinctive service to all customers when delivering the F&M Bank experience.
• Requires regular attendance and punctuality

In Teller Coordinator’s absence, will assume duties associated with Teller Coordinator position:

• Supervise branch tellers in performance of their duties – to include, coaching, mentoring, training and identifying disciplinary needs
• Process personal and commercial customer deposit and withdrawal transactions accurately and efficiently in accordance with Bank Policy as outlined in the Teller Performance Standards Policy, Night Deposit Services Policy and Check Cashing Service Policy
• Perform all other teller functions – to include cashier’s checks, money orders, gift cards, travel cards, wire transfers, telephone transfers, stop payments, advances and all payment functions
• Maintain Bank’s money supply in vault – handles all transactions in and out of vault
• Responsible for balancing all cash shipments to and from the Fed
• Oversee the operation of the branch ATM
• Ensure Night Deposits are processed in accordance with policy, procedure and proper security
• Prepare reports and internal correspondence as needed
• Ensure all branch logs are complete and accurate at all times
• Monthly and Quarterly Branch Certifications
• Duties associated with Remote Branch Capture
• Complete knowledge and understanding of proper operation of teller terminal
• Knowledge and understanding of Bank and Federal regulations
• Able to assist customers with inquiries in person or by phone
• Knowledge of Bank products and services and ability to refer prospective sales to customer service representative
• Balance own teller station and complete proper tickets daily
• Assist branch tellers in daily balancing and resolution of teller issues or customer service-related issues in a timely manner and in accordance with policy and procedure
• Report outages in accordance with Teller Performance Standards
• Perform any and all other duties as required by the Bank

SUPERVISORY RESPONSIBILITIES: Although this position carries no 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. In the absence of the Teller Coordinator, this position carries direct supervisory responsibilities over the front-line tellers.

QUALIFICATIONS: Two to four years of previous teller experience within the financial institution industry. To perform this job successfully, an individual must be able to perform each essential duty satisfactory. 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. Previous cash handling/customer service experience required.

LANGUAGE SKILLS: Ability to read and comprehend written and verbal instructions, correspondence, and memos. Ability to compose 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.

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

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or Equivalent; Current Driver’s License

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.

While performing the duties of this job, the employee is frequently required to sit and use hand to finger dexterity, handle, or feel. The employee is occasionally required to stand, walk, reach with hands and arms, climb or balance, stoop, kneel, crouch or crawl, speak, listen, and use close and distance vision. The employee may lift and/or move up to 50 pounds in coin/currency.

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 occasionally be exposed to fumes or airborne particles and vibration. The noise level in the work environment is usually moderate.

OTHER SKILLS AND ABILITIES: 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; must have excellent money-handling skills. Individual must have the ability to operate common office machines, general computer capabilities, demonstrate good computer/10 key skills, and be able to learn specific software applications. Individual must be able to effectively communicate with people at all levels and from various backgrounds. Strong organizational skills and ability to manage priorities and workflow are necessary. Individual must have strong verbal, written and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality is required. The individual must be professional in appearance and demeanor at all times; be committed to excellence, high standards and team oriented.

Disclaimer: The above statements are intended to describe the general nature and level of work being performed in this role. They are not intended to be a comprehensive list of all responsibilities, skills or duties.

EEO/AA/M/F/Vets/Disability

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