Job Opportunities

Job Title: Financial Service Representative

Reports to: Branch Manager/Teller Coordinator

Location: White Bluff

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. 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.
• Completes all BAI training courses in a timely manner.
• 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

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

While performing the duties of this job, the employee is regularly required to sit; use hand to finger, handle, or feel; reach with hand and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 - 25 pounds. Specific vision abilities required by this job include close vision and distance vision

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

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

OTHER SKILLS AND ABILITIES: 2-4 years of banking experience is required. Individual must possess outstanding customer service skills, excellent cash handling 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

APPLY NOW

Job Title: Branch Manager / Financial Service Representative

Reports to: Commercial Sales Manager / Head of Retail

Location: Clarksville

FLSA Status: Exempt

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EEO/AA/M/F/Vets/Disability

APPLY NOW

Job Title: Financial Service Representative

Reports to: Branch Manager/Teller Coordinator

Location: Clarksville

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. 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.

• Completes all BAI training courses in a timely manner.

• 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

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

While performing the duties of this job, the employee is regularly required to sit; use hand to finger, handle, or feel; reach with hand and arms and talk or hear. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 - 25 pounds. Specific vision abilities required by this job include close vision and distance vision

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

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

OTHER SKILLS AND ABILITIES: 2-4 years of banking experience is required. Individual must possess outstanding customer service skills, excellent cash handling 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

APPLY NOW