Job Opportunities

Job Title: Financial Service Representative

Reports to: Branch Manager/Teller Coordinator

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.

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. 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:

• 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.
• 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
• Performs a range of related duties and may assist other tellers or branch personnel.
• Reports to work on a daily basis at scheduled time

QUALIFICATIONS: 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 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

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.

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.

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.

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

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Job Title: Financial Service Representative

Reports to: Branch Manager/Teller Coordinator

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.

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. 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:

• 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.
• 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
• Performs a range of related duties and may assist other tellers or branch personnel.
• Reports to work on a daily basis at scheduled time

QUALIFICATIONS: 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 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

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.

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.

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.

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

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Job Title: Teller

Reports to: Teller Coordinator/Branch Manager

FLSA Status: Non-Exempt

SUMMARY: Performs a variety of paying and receiving 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.

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.

• 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
• 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
• 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 Head 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
• When making entries to branch logs, ensures that they are complete and accurate at all times
• Under the direction of the Teller Coordinator/Branch Manager, may assist with 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
• 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
• Report outages in accordance with Teller Performance Standards
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to Management
• Perform any and all other duties as required by the Bank
• Reports to work on a daily basis according to schedule set by Manager

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: 1-2 years of Banking Teller Experience; 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 simple instructions, short 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 commonsense understanding to carry out instructions furnished in written, oral, or diagram form.

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or equivalent; 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.

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.

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 50 pounds. Specific vision abilities required by this job include close vision and distance vision.

OTHER SKILLS AND ABILITIES: Excellent cash handling experience; Outstanding customer service skills; Ability to learn and follow F&M Bank’s operational and security procedures; Ability to operate common office machines, and general computer capabilities. Individual must possesses good computer/10 key skills. 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. 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

APPLY NOW

Job Title: Teller

Reports to: Teller Coordinator/Branch Manager

FLSA Status: Non-Exempt

SUMMARY: Performs a variety of paying and receiving 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.

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.

• 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
• 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
• 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 Head 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
• When making entries to branch logs, ensures that they are complete and accurate at all times
• Under the direction of the Teller Coordinator/Branch Manager, may assist with 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
• 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
• Report outages in accordance with Teller Performance Standards
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to Management
• Perform any and all other duties as required by the Bank
• Reports to work on a daily basis according to schedule set by Manager

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: 1-2 years of Banking Teller Experience; 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 simple instructions, short 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 commonsense understanding to carry out instructions furnished in written, oral, or diagram form.

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or equivalent; 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.

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.

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 50 pounds. Specific vision abilities required by this job include close vision and distance vision.

OTHER SKILLS AND ABILITIES: Excellent cash handling experience; Outstanding customer service skills; Ability to learn and follow F&M Bank’s operational and security procedures; Ability to operate common office machines, and general computer capabilities. Individual must possesses good computer/10 key skills. 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. 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

APPLY NOW

Job Title: Floating Teller/Financial Service Representative

Reports to: Teller Coordinator/Branch Manager

FLSA Status: Non-Exempt

SUMMARY:  Performs a variety of paying and receiving 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. Will travel to various Bank Branches as 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.

• 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
• 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
• Under the direction of the Head Teller/Branch Manager, may assist with balancing cash shipments to and from the Fed
• Under the direction of the Head Teller/Branch Manager, may assist with the operation of the branch ATM
• Ensure Night Deposits are processed in accordance with policy, procedure and proper security
• When making entries to branch logs, ensures that they are complete and accurate at all times
• Under the direction of the Head Teller/Branch Manager, may assist with 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
• Under the direction of the Head Teller/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
• Report outages in accordance with Teller Performance Standards
• Must be able to recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to Management
• Secure teller drawer/cash at end of day
• Perform any and all other duties as required by the Bank
• Reports to work on a daily basis at scheduled time

In absence of Personal Banker, will assume Personal Banker duties associated with position such as:

• 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 retirement accounts and direct deposit forms, checking for accuracy before forwarding to the appropriate area.
• Performs a variety of account maintenance

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: 2 years banking experience. 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, 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 commonsense understanding to carry out instructions furnished in written, oral, or diagram form.

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or equivalent, 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.

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.

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 50 pounds. Specific vision abilities required by this job include close vision and distance vision.

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. 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.

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

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Job Title: Consumer & Commercial Non-Real Estate Loan Processor

Reports To: Loan Operations Manager

FLSA: 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. These functions should be performed with minimum supervision by following the bank’s loan policy procedure manual and the ComplianceOne system manual. All tasks should be performed in a timely manner and will include but not be limited to the following:

• This position requires knowledge of Federal and State laws and regulations related to compliance, included, but not limited to the following: Reg B, MLA, & FCAID.
• Prior experience in real estate and/or non-real estate loan processing is preferred.
• Performs all phases of Commercial Non-Real Estate loan processing duties with minimum supervision.
• Follows the loan policy, procedure manual and the ComplianceOne Lending system manuals for systematically completing the loan processing tasks.
• Maintains processing pipeline through Vanceo, web-based program.
• Performs regulatory compliance reviews for related regulations such Reg B, MLA, & FCAID.
• Performs initial compliance review of ComplianceOne Lending processing system for the appropriate data entered and/or selected to ensure accuracy for compliance with bank loan product and compliance regulations.
• Compiles and reviews loan applications to verify that application data is complete and meets bank’s policy requirements including, but not limited to, type of credit requested, amount requested, borrower assets, liabilities and income and length of employment.
• Prepares and properly documents packages for the Reg B processor for the preparation and mailing of Notice of Action notices for loan withdraws, denials, incomplete applications and/or counteroffers.
• Assists in the timely submission of loans to underwriting approval and document preparation.
• Notifies loan originator of underwriting decisions and conditions, if applicable.
• Reviews credit bureau reports, verifications of deposit, mortgage and employment for loan applicants.
• Reviews and insures that loans are being approved and processed according to bank guidelines for pricing, officer’s lending limit and the Bank’s loan policy and procedures manual in a timely manner.
• Requests and reviews documentation on commercial purpose loans related to the verification of entity status and authorized signers for loan documents.
• Maintains data in the ComplianceOne Lending computer systems.
• Provides timely communication of loan status by updating pipeline report and/or communications through email to loan officers and loan assistants.
• Memos details of loan specifics in loan memos in ComplianceOne Lending processing system.
• Prepares all lien perfection documentation accurately and timely, if applicable.
• Prepares closing loan documents and remote prints to branch for signing, if applicable.
• Updates computer data as needed.
• Reviews and discusses problems or discrepancies during application processing with Loan Administration Manager.
• Provides on-going status updates to, Loan Administration Manager and Credit Administration Manager, as requested.
• Recommends revisions to policies and procedures to Loan Administration Manager.
• May attend on-going related training as it is provided by Bank.
• Additional responsibilities may be assigned to allow for cross training within the department for other loan processing functions relating to funding of loans.
• Reports to work on a daily basis according to schedule set by Manager

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: 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 simple and complex instructions, simple and complex correspondence, and memos. 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: High School Diploma or equivalent; current/valid 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 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.

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

OTHER SKILLS AND ABILITIES: Ability to learn and follow F&M Bank’s operational and security procedures. Ability to operate common office machines, and general computer capabilities. Knowledge of Word, Excel, is required. Knowledge of Access is preferred but not a requirement if individual possesses good computer skills. 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. Must be professional in appearance and demeanor. 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 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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Job Title: Operations Clerk

Reports To: Operations Manager

FLSA: 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 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 corporate and regulatory policy and procedures, insuring that a high standard of quality and accuracy is maintained at all times. It is also the responsibility of the incumbent to insure quality service and to report risk and exposure to management immediately.

Primary Duties will be those of the Operations Department Accounts Team

• Deposit Account Setup – Business and Consumer Accounts
• Federal Reserve System - Fedline Advantage
  
  • Use the Fedline Advantage and other associated systems and reports to perform the following duties: Insufficient Fund presentments (pay/return), Return Deposited Items, ACH Returns / Notifications, Death Notifications / Returns.
• Stop Payment Placement / Daily Suspect Report
  
  • Review documentation submitted for stop payment and place the stop payment requested
  • Daily review suspect stop payment report and take the appropriate action.
• Fiserv EFT - Debit Card Services
  
  • Order debit cards and process requested maintenance (limit changes and lost cards)
  • Fraud Detection System: Review Notifications, Perform Fraud Decision and take the necessary action based on the decision.
  • Debit Card Transactions – Assist Customers and Employees
• Assist Branch Employees
  • Deposit account issues and questions.
  • Provide system operation support (i.e. Navigator and sub systems BPM, Teller, Web Director, OnBoard Advisor, OFAC, Safe Deposit Box, RRM, ISResearch)
  • All operational procedure questions.
• Scan and Index Documents to Web Director
• Primary on Phone
  
  • Assist customers with questions and provide information pertaining to their respective accounts (all account types)
• Account and Transaction Research – Customers and Employees
• Assist with Mail Processing
• Process Teller Cash Orders and Shipments
• Item Processing Duty Rotation:
  
  • Repair, balance, and correct branch capture transactions.
  • Assist with statement printing and mailing.
• Other Duties as Assigned
• Reports to work on a daily basis according to schedule set by Manager

SUPERVISORY RESPONSIBILITIES: Although this position carries no 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: 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 simple and complex instructions, simple and complex correspondence, and memos. 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.

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; 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 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.

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.

OTHER SKILLS AND ABILITIES: The skills listed are required to perform the assigned duties. Due to the variation of the duties performed by the Operations Department, the primary skills to perform each function are varied as well. The arrangement of the duties is not indicative of the skill level needed.

1. General Banking Knowledge (General Bank deposit knowledge is required)
2. Adept Technology Skills
   
   1. Accurate typing
   2. Microsoft Windows, Word, Excel, Access
   3. Good understanding of the Internet
   4. General understanding of today’s technology: Apps, Mobile Phones, Tablets, Browsers
3. Able to take and correctly apply written and verbal instructions
4. Able to multi-task and prioritize duties
5. Good organizational, self-discipline and problem solving skills
6. Good spelling and grammar skills
7. Ability to interact effectively with customers, superiors, peers, and subordinates.
8. Ability to understand sensitive data and to maintain confidentiality
9. Must be 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

Apply Now