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Current Positions

To apply, please email applicants@myfmbank.com with the following information:

  • Attach your resume;
  • Place the position you are applying for in the subject line;
  • Include your name and phone number in the body of the email, and
  • Tell us why you would be a good fit for the job.

Loan Processing

Commercial Real Estate Loan Closing Specialist - Clarksville

Job Title: Commercial Real Estate Loan Closing Specialist

Reports To: Loan Processing Manager

FLSA: Non-Exempt


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

Under general supervision, but in compliance with established policies, the primary responsibility of this position is to process commercial real estate loans of all types. This position requires knowledge of Federal and State laws and regulations related to compliance, lien perfection of various types of collateral to include UCC Revised Article 9, etc. Other various central loan-processing functions may also be performed that would include secretarial, loan processor, clerical and other related duties. These functions should be performed with minimum supervision by following the bank’s loan policy procedure manual and the ComplianceOne system manual for systematically completing the loan processing tasks. All tasks should be performed in a timely manner and will include but not be limited to the following:

  • Provide timely communication of loan status by updating real estate loan pipeline report and or communications thru email to loan officers and loan assistants.
  • Review and ensure that loans are being approved and closed according lending authorities outlined in the loan policy and procedure manual and that all conditions specified have been met prior to closing.
  • Ensures that policy requirements are met for appraisals and second reviews of appraisals that are used in connection with real estate loans.
  • Reviews title work and or attorney prepared title opinions to ensure that F&M Bank will be in the desired lien position status on real estate loans being prepared for closing. This will include requesting payoffs of mortgages and other related items.
  • Review legal documentation requirements related to commercial entity loans to ensure that the proper signatures are obtained for loan documents, security agreements and deeds of trusts, etc.
  • Verifies that all required insurance needed for hazard and or flood coverage is sufficient per loan policy requirements prior to closing date.
  • Prepares closing instructions to be forwarded to closing agents for loans required to be closed by closing agents. This will include communication of fees involved with the transaction and any regulatory requirements, etc.
  • Communicates closing instructions to loan officers for loans that will be closed in-house.
  • Uses bank’s classification procedures to classify real estate loans for reporting purposes.
  • Communicates and forwards all required loan documentation to bank’s legal counsel for review prior to closing of the loan.
  • Compiles and reviews residential loan application file to verify that application data is complete and meets Bank’s policy requirements including, but not limited to, type and amount of mortgage borrower assets, liabilities, and length of employment.
  • Email, mail or remotes print closing documentation to closing agents or front-line lending staff.
  • Provide on-going status updates to the Manager and Credit Administrator, as requested.
  • Review and discuss problems or discrepancies during closing process with Manager.
  • Memo details of loan specifics in ComplianceOne loan processing system.
  • Updates computer data as needed.
  • Cross-training will be required for other areas within the Commercial Loan Processing Department
  • Recommends revisions to policies and procedures to 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 non real estate loans, funding of loans and or ordering of appraisal and construction inspections.
  • 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: 2-4 years loan experience preferred. 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 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.

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: Ability to operate common office machines, and general computer capabilities. Knowledge of Word, Excel, is required. Knowledge of Access and PowerPoint 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 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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Consumer Real Estate Loan Processor - Clarksville

Job Title: Consumer Real Estate Loan Processor

Reports To: Central Loan Processing 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.

  • This position requires knowledge of Federal and State laws and regulations related to compliance, included, but not limited to the following: TRID, MDIA, Reg B and HMDA.
  • Prior experience in real estate loan processing is preferred.
  • Performs all phases of consumer real estate loan processing duties with minimum supervision.
  • Follows the loan policy, procedure manual and the ComplianceOne Lending and ComplianceOne Mortgage systems manuals for systematically completing the loan processing tasks.
  • Maintains processing pipeline through ComplianceOne Manager, web-based program.
  • Performs regulatory compliance reviews for real estate regulations and other related regulations such as RESPA, Truth in Lending, Reg. B, HMDA, etc.
  • Performs initial compliance review of ComplianceOne Lending and ComplianceOne Mortgage processing systems for the appropriate data entered and/or selected to insure accuracy for compliance with bank loan product and compliance regulations such as TRID, MDIA, Reg B, HMDA, etc.
  • Compiles and reviews residential loan application to verify that application data is complete and meets Bank’s policy requirements including, but not limited to, type and amount of mortgage borrower assets, liabilities, and length of employment.
  • Assists in the preparation of required early disclosures to be mailed to customers for consumer closed-end and Home Equity Lines of Credit as needed which includes insuring that customers receive all appropriate non-ComplianceOne Lending and non-ComplianceOne Mortgage disclosures and any government required booklets pertaining to particular loans.
  • Prepares and properly documents packages for the Reg B processor for the preparation and mailing of Notice of Action notices for consumer residential loan withdraws, denials, incomplete applications and/or counteroffers.
  • Assists in the timely submission of loans to underwriting approval and document preparation.
  • Notifies loan officer of underwriting decisions and conditions, if applicable.
  • Reviews credit bureau reports, verifications of deposit, mortgage and employment for consumer loan applicants.
  • Reviews and ensures 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.
  • Orders appraisal reports, reviews completed appraisal reports and evaluates loan to value ratios.
  • Orders flood determination certificates and evaluates flood insurance on real estate located in a special flood hazard area to insure the Bank is covered in the event of a loss and compliant with flood regulations.
  • Orders and reviews title work and/or attorney prepared title opinions to insure that F&M Bank will be in the desired lien position.
  • Inputs and maintains data in the ComplianceOne Lending and/or ComplianceOne Mortgage computer systems.
  • Provides timely communication of loan status by updating real estate loan pipeline report and/or communications through email to loan officers and loan assistants.
  • Memos details of loan specifics in loan memos in and outside ComplianceOne Lending and ComplianceOne Mortgage processing systems.
  • Reviews and discusses problems or discrepancies during application processing with Central Processing Manager.
  • Provides on-going status updates to the Consumer Loan Administrator, and Credit Administrator, as requested.
  • Recommends revisions to policies and procedures to Consumer Loan Administrator.
  • 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 non-real estate loans and 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 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 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

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 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: 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 and PowerPoint 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 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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Front Line

Senior Teller - Clarksville

Job Title: Senior 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. 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.
  • Complete knowledge and understanding of all Federal regulations, Bank products, policies and procedures; 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
  • Explain, promote, or sell products or services such as travelers' checks, money orders, and cashier's checks. Referral of prospective sales (accounts) to customer service representatives
  • 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
  • Identify counterfeit currency
  • Responsible for following bank opening and closing procedures
  • 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
  • Aptitude for figures
  • 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 assistant to teller staff as requested by the Teller Coordinator such as transaction approvals, and the resolution of customer service issues.
  • 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: 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, 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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Financial Service Representative - Clarksville & Springfield

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
  • 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 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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Operations

Operations Clerk - Clarksville

Job Title: Operations Clerk

Department: Operations/ASC

FLSA: Non-Exempt

Reports To: SVP/Operations Manager; SVP/Bank Operations


ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned.

The incumbent will utilize corporate and regulatory policy and procedures, ensuring that a high standard of quality and accuracy is maintained at all times. It is also the responsibility of the incumbent to ensure quality service and to report risk and exposure to management immediately.

Primary Duties will be those of the Operations Department Deposit Account Team

  • Deposit Account Setup – Business and Consumer Accounts
    • Upload New / Revised Deposit Accounts
    • Review documentation obtained.
    • Review associated compliance requirements.
    • Review associated financial risk.
    • Process / setup associated services (ie. Debit Card, Online Banking, Wire Agreements, Safe Deposit Box)
    • Act and/or notate (if any) additional action/documentation needed to complete the bank’s policy, procedure and/or compliance requirements
  • 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, Efunds, OFAC, Safe Deposit Box, RRM, ISResearch)
    • All operational procedure questions.
  • Scan and Index Documents to Web Director
  • Primary on Phone
    • Call forwarding to other employees, transfer funds, place Stop Payments
    • 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

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. General understanding of today’s technology and devices.
  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

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Diversity & Inclusion

At F&M BANK, a diverse, inclusive, and equitable workplace is one where all employees, whatever their gender, race, ethnicity, national origin, age, sexual orientation or identity, religion or creed, genetic information, pregnancy, veteran status, education, disability, or other protected characteristics as required by local, state, and federal law, feels valued and respected. We are committed to a nondiscriminatory approach to employment-related decisions and provide equal opportunity for employment and advancement in all our departments, programs, and worksites. We respect and value diverse life experiences and cultures and ensure that all voices are valued and heard.

To provide informed leadership for cultural equity, F&M BANK strives to:

  • See diversity, inclusion, and equity as connected to our mission and critical to ensure the well-being of our staff and the communities we serve.
  • Practice and encourage transparent communication in all interactions.
  • Lead with respect and tolerance. We expect all employees to embrace this notion and to express it in workplace interactions and throughout everyday practices.
 
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