Job Opportunities

Job Title: Branch Manager / Financial Service Representative

Reports to: Commercial Sales Manager / Head of Retail

Location: Clarksville - Tiny Town Location

FLSA Status: Exempt

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME

Job Title: Personal Banker

Reports to: Branch Manager/Branch Administrator

Location: Hendersonville

FLSA Status: Non-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 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.
• Recognize situations, which because of risks or hazards involved, are beyond his/her limit and should be referred to management
• Deal effectively and tactfully with all types of customers.
• Learn and adhere to all Bank policies and procedures

• 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.

• Reports to work on a daily basis at scheduled time set by Manager

May Work a Teller Window:

• 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
• 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.

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. Minimum 3-4 years banking experience.

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.

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 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 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 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: 1-2 years banking experience required Outstanding customer service skills. Ability to learn and follow F&M Bank’s operational and security procedures. Ability to operate common office machines, excellent computer capabilities. Aptitude for figures. Ability to learn specific software applications. Ability to interact effectively with customers, superiors, peers, and subordinates. Individual must be able to effectively communicate with people at all levels and from various backgrounds. Strong organization skills and ability to manage priorities and workflow are necessary. Strong verbal, written, and interpersonal skills. Ability to understand sensitive data and to maintain confidentiality. Must be team oriented; be able to report to work in a timely manner. Incumbent must be professional in demeanor and appearance at all times.

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

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME

Job Title: Senior Teller

Reports to: Teller Coordinator; Branch Manager

Location: Clarksville - Tiny Town Location

FLSA Status: Non - Exempt

ESSENTIAL DUTIES AND RESPONSIBILITIES: The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary.

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

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

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.
• Complete all bank training in a timely manner.
• Report to work daily 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. 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. 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. 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. 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

SUBMIT RESUME

Job Title: Floating FSR

Reports to: Teller Coordinator; Branch Manager

Location: Robertson County

FLSA Status: Non-Exempt

ESSENTIAL DUTIES AND RESPONSIBILITIES: The following reflects management’s definition of essential functions for this job but does not restrict the tasks that may be assigned. Management may assign or reassign duties and responsibilities to this job at any time due to reasonable accommodation or for other reasons. Management reserves the right to transfer, temporarily or permanently, employee at any time to other locations as deemed necessary.

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

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

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

QUALIFICATIONS: 2-4 years’ banking experience. 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. .

LANGUAGE SKILLS: Ability to read and comprehend simple instructions and short memos, write simple correspondences. 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. 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. The ability to understand sensitive data and to maintain confidentiality is required. The individual must be professional in appearance and demeanor at all times; be committed to excellence, high standards and team oriented. Will be required to travel to various branches according to the scheduled work various branches.

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

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME

Job Title: Teller Coordinator

Reports to: Branch Manager

Location: Dover, TN

FLSA Status: Non-Exempt

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

• Supervise branch tellers in performance of their duties – to include, coaching, mentoring, training and identifying disciplinary needs
• Manages a fund of cash on hand to facilitate normal financial transactions with individual and business accounts. Maintains the vault within prescribed policy limitations.
• 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
• 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
• Mentor, shadow and train branch tellers on an on-going basis
• Report outages in accordance with Teller Performance Standards
• Perform any and all other duties as required by the Bank
• Reports to work on time on a daily basis according to schedule set by Manager

SUPERVISORY RESPONSIBILITIES: This position carries supervisory responsibilities for the front-line teller staff in the performance of their daily duties to include coaching, mentoring, training, assisting with problem resolution, and recommending disciplinary actions when warranted in accordance with Bank policy and/or Teller Performance Standards. The individual serves in the capacity of a leader among his/her peers in the manner in which he/she conducts themselves and performs the duties of the job.

QUALIFICATIONS: Minimum 1-2 years banking teller experience is required. To perform this job successfully, an individual must be able to perform each essential duty in a satisfactory manner. The individual must be able to routinely multi-task and maintain composure and professionalism in stressful situations. The requirements listed 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: Requires an ability to read and comprehend written and verbal instructions, short correspondence, and memos. The Head Teller must be able to write clear and concise internal correspondence and speak, read, write and understand the primary language(s) used in the workplace.

MATHEMATICAL SKILLS: Requires an 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, verbal, or diagram form is required.

CERTIFICATES, LICENSES, REGISTRATIONS: High School Diploma or equivalent and current driver’s license required.

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(s) to finger, handle, or feel; reach with hand(s) and arms, talk and/or hear. The employee is frequently required to stand and walk. The employee must occasionally lift and/or move up to 50 pounds in coin or currency. Specific vision abilities required by this job include close vision and distance vision.

OTHER SKILLS AND ABILITIES: Minimum 1-2 years banking teller experience. 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

SUBMIT RESUME

Job Title: BSA / AML Analyst

Reports to: Chief Internal Audit and Compliance / BSA Officer

Location: Clarksville

FLSA Status: Non-Exempt

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

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

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

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

Comprehensive knowledge of:

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

Ability to:

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

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

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

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

OTHER SKILLS AND ABILITIES: 

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

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

EEO/AA/M/F/Vets/Disability

SUBMIT RESUME