SUMMARY

Serve as primary contact person for the Bank's commercial clients in the designated service area.

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

• Cross-sell all bank products and coordinate with other departments to do so. Utilize sales training skills to provide outstanding customer service.
• Take commercial loan applications.
• Make calls on prospective and existing loan customers.
• Analyze loan requests via financial statements, tax returns and other supporting reports.
• Approve loan requests within officer loan limits and lending guidelines.
• Negotiate loan terms, rates and covenants.
• Prepare loan presentations for Management and Loan Committee.
• Review Bank documentation for completeness and accuracy.
• Decline loans which do not meet bank policy and insure decline notices are sent.
• Contact past due accounts and negotiate workouts when necessary and possible.
• Attend and participate in Officer Meetings and Commercial / Ag Loan Department meetings.
• Address customer questions, inquiries and problems quickly and efficiently.
• Be actively involved in the community and community organizations to promote the bank within a market area.
• Participate in Educational opportunities when offered.
• Be aware of external lending options such as Business Linked Deposit, SBA, Revolving Loan Programs, etc.
• Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position.

PERFORMANCE FACTORS:

To perform the job successfully, an individual should demonstrate the following competencies:

Sales:

Individual has a good understanding of the Bank’s products and services. Effectively matches customer’s need by referring and/or selling products and services to enhance the customer’s relationship consistent with the Bank’s Sales Culture.

Internal ambition and drive to match and / or exceed goals in cross-selling: Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to F&M Bank and understands how his / her job affects customers; establishes and maintains good relationships through interactions or work completed; projects a positive and professional image of F&M Bank in appearance and mannerism.

Communication Skills:

Written: Individual writes clearly and concisely with little need for editing (includes spelling and grammar). Oral: Expresses self in speech as to be clearly and completely understood; adheres to the bank’s telephone standards; supports a favorable environment for open communication; addresses concerns or problems in an open non-defensive manner; conveys self-confidence and knowledge of subject in speaking to customers. Listens: Is attentive and transmits correct information to appropriate people; accepts constructive feedback.

Job Knowledge:

Individual possesses and demonstrates the technical ability to perform required duties, is practical in applying knowledge to assignments, and maintains expertise by keeping current with new developments and procedures.

Problem Solving:

The ability to define and offer solutions to resolve problems. Uses knowledge of the organization to identify helpful resources.

Attention to Detail:

The level at which tasks are performed carefully, accurately, and in accordance with specific instructions. Consistency of work quality and compliance with standards, requirements, and expectations. The tracking of numerical data and detailed organizational information, and the careful application of grammar, spelling, and punctuation rules.

Ethics:

The level of trustworthiness, character, professionalism, confidentiality, and honesty in dealing with internal or external customers.

QUALIFICATIONS

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.

EDUCATION and/or EXPERIENCE

Bachelor's degree (B. A.) from four-year college or university; or one to two years related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents. Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community. Ability to write speeches and articles for publication that conform to prescribed style and format. Ability to effectively present information to top management, public groups, and/or boards of directors.

MATHEMATICAL SKILLS

Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.

REASONING ABILITY

Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.

CERTIFICATES, LICENSES, REGISTRATIONS

Current Notary Public Commission (Optional)Valid driver’s license

OTHER KNOWLEDGE AND/OR SKILLS

General knowledge of bank operations, lending and information technology. Previous experience with, and efficiency in using Microsoft applications, such as Word and Excel. Has good organization skills, is computer literate, has good communication skills, is observant and able to document procedures, looks for ways to improve processes and minimize duplicate work and is detail oriented.

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 use hands to finger, handle, or feel; to reach with hands and arms; and to talk or hear. The employee is frequently required to sit; and to climb or balance. The employee is occasionally required to stand; walk; and stoop, kneel, crouch, or crawl. The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus. Ability to use computer for long periods of time and there will be heavy telephone use. This person may also be required to work at other banking centers.

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 moderate.T

This person will have the ability to:

• Work Monday – Friday, generally and an occasional Saturday with a day off and / or occasional extended hours as needed to accommodate the flow of business.
• Work on a holiday and be provided another day off throughout the year.
• Maintain a professional appearance and manner
• Work independently and as part of a team