Career Opportunities

Vice President – Commercial Lending    

This position is responsible for business development by calling on current and prospective customers to sell commercial loans. 

• Build a book of business emphasizing C&I loans, operating lines of credit, CRE loans and payroll services
• Develop and retain clientele by managing day-to-day relationships with clients and developing a deep understanding of their requirements and long-term business strategies
• Provide and coordinate presentations on bank products and services
• Have good contacts with prospective clients and have strong connections in the industry
• Identify Partnerships and Alliances across the region and create new revenue engines.
• Achieve revenue goals

SVP - Senior Lender   

Senior Leadership position for setting culture of the bank, as well as, direct and administer the lending and credit functions of Farmers and Merchants State Bank.  Implement Officer Call Program.  Assist lenders with collection activity. 

• Build a book of business emphasizing C&I loans, operating LOC’s, CRE loans and payroll services
• Develop and retain clientele by managing day-to-day relationships with clients and developing a deep understanding of their requirements and long-term business strategies
• Individual Loan Portfolio Management typically handling the banks more complex and challenging loan requests/relationships
• Responsible for development, implementation and coordination of department objectives, policies, procedures and programs within the lending and credit functions.
• Identifies department staffing and training needs.
• Monitors the asset quality of the loan portfolio
• Presents department issues to Board of Directors

Universal Banker   $17 - $18/hour 

Universal Banker will perform the full range of Teller and Personal Banker duties.  Responsible for delivering extraordinary service to both internal and external clients.  Primarily responsible for building and retaining relationships with current and prospective clients, promoting all bank products and services and responding to simple and complex customer inquiries or service requests.  Assist customers with their deposit needs to include opening and closing of deposit accounts and services.  

• Ability to talk with others to convey information effectively
• Knowledge of methods for showing, promoting and selling of products or services
• Superior customer relationship building skills
• Comfortable with technology
• Good organizational skills
• Must be available to work in a flexible schedule Monday through Saturday
• Ability to function in a team environment
• Strong commitment to personal growth, learning and success
• Detail oriented and ability to follow established policies and procedures
• Previous experience in banking and financial markets a plus

AVP – Mortgage Loan Officer

Develops, manages, and services all of the financial needs of an assigned loan portfolio. Enhances relationships by cross-selling the bank’s products and services. Develops new relationships from referrals and outside calling efforts. Provide lending services relating to the extension of primarily consumer credit to Bank’s customers in accordance with established Bank policies. Effective customer-service-oriented performance, professionalism and trustworthiness required to maintain company image.  Actively supports management and organizational goals by focusing on Farmers & Merchants State Banks core values and purpose.

• Interviews and counsels prospective loan customers including explaining loan options (rates, types of loan options, repayment lengths).
• Verify customer credit by completing appropriate credit checks and performing financial ratios to determine if customer is a credit risk.
• Determine if customer should be advanced loan credit.
• Prepares appropriate documentation substantiating decisions to advance credit.
• Prepares documentation recommending a decision to advance credit.
• Coordinates loan processing including preparing documentation necessary for approved loan requests.
• Ensure that bank loan policies are adhered to.
• Responsible for collection activities relating to delinquent loans.
• Recommend action to be taken including prepare letters, notices and filing small claim court actions, as well as replevin and foreclosure proceedings.
• Responsible for keeping up to date on secondary market guidelines, as well as keeping all Lenders informed of same. 
• Assist in training of new mortgage lenders. 
• Review pricing of secondary market loans with Senior Lender.
• Participate in Officer call program, with the primary goal of developing and maintaining more in-depth relationships with both customers and prospects to enhance the overall banking experience, through cross-sales, financial counseling, referrals and adherence to the core values of F&M.