Careers at FMBT

Join us in Serving & Building Our Community

Founded in 1902, the Farmers & Merchants Bank & Trust is an independent community bank that has always been a leader in providing personal customer service to its customers. We credit our success to the outstanding, talented team we have developed.

If you are interested in becoming a part of our friendly, talented and knowledgeable team, check out the opportunities listed below.

Current Career Opportunities Available Are:

Loan Officer (Ludington Branch)

Job Summary:  To develop business contacts, attracting mortgage customers; completing mortgage loan processing and closing.

Essential Duties and Responsibilities include the following.  Other duties may be assigned.

• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Approve loans within specified limits and refer loan applications outside those limits to management for approval.
• Originate in-house and secondary market loans for qualified applicants
• Analyze applicants’ financial status, credit, and property evaluations to determine credit worthiness.
• Stay abreast of new types of loans and other financial services and products in order to better serve the customers’ needs.
• Collection of delinquent loans
• Project a positive image for the bank through community involvement and protect bank’s image by keeping mortgage loan information confidential.

Performance Factors:

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

• High level of thoroughness
• Loan Quality Focus
• High level of professionalism
• High level of confidentiality
• Maintain an acceptable attendance record
• Promote the bank in a professional and positive manner
• Ability to prioritize workload and manage responsibilities
• Knowledge of compliance with banking regulations
• Proficient knowledge of Bank software programs, Microsoft, Office, and office systems.

Certificates and Licenses: 

Registered MLO with NMLS

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/Experience:

High School diploma.  Minimum of 3 years residential mortgage lending experience with a focus on generating self-sourced business.

Loan Processor I (Ludington Branch)

Job Summary: This position is an entry level loan processor support role responsible for the creation and processing of accurate and compliant loan documentation following Farmers & Merchants Bank & Trust policies and procedures and industry best practices; escalates more advanced loan transactions to advanced staff.

Essential Duties and Responsibilities include the following.  Other duties may be assigned.

• Processes loan documentation following FMBT’s Loan Policy, operating procedures, and industry best practices.
• Assist Loan Department personnel with operational support related to compliance, policy, and related requirements.
• Reviews loan requests for completeness and data accuracy to complete loan documentation.
• Reviews loan requests for completeness and data accuracy to complete loan documentation.
• Scan documents to Document Imaging System.
• Servicing of loans, which may include posting payments, calculating interest, or updating tickler systems.
• Assisting bank customers.

Performance Factors:

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

• High level of thoroughness
• High level of confidentiality
• Maintain an acceptable attendance record
• Ability to prioritize workload and manage responsibilities
• Knowledge of compliance with banking regulations
• Proficient knowledge of Bank software programs, Microsoft, Office, and office systems.
• Ability to use and apply basic mathematical concepts.
• Effectively interacts with internal and external customers in a wide variety of situations.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily, while demonstrating the above performance factors. 

Education/Experience:

High school diploma or equivalent.  In addition to education in business or related field, 6 months to 1 year of experience in a loan support related role is preferred. Banking or financial experience is also preferred.

Retail Teller Supervisor

Job Summary:  This position is responsible for successfully overseeing the retail staff in all daily activities, along with servicing the needs of the bank customers by processing transactions efficiently, professionally, and accurately.  Maintains the Bank’s standards and provides a high level of customer service.  Initiates and opens new customer accounts.  Oversees teller operations including assisting with scheduling, supervising and providing work direction to tellers.  Assures customers are provided with accurate information and courteous, efficient service regarding customer/bank transactions. Responsible for bank vault and cash funds.    

Essential Duties and Responsibilities include the following:

• Strong leadership and mentoring capabilities
• Provide guidance in making decisions
• Assist Bank Manager with sales efforts by coaching retail staff
• Knowledge of all Retail product offerings and operations protocols
• Coach teller team and providing exceptional client experiences
• Maintains oversight over all Teller functions
• Assist Bank Manager and operations manager in maintaining all bank security protocols
• Conduct various audits on a daily, weekly, monthly, quarterly basis
• Ensure vault and teller balance daily
• Buy and sell cash orders through Armored services and/or Associated Bank
• Represent the Bank in community activities and organizations
• Manage overtime to schedule and approved hours
• Manager and balance individual cash drawer
• Collaborates with branch partners; lending, operations as related to customer transactions
• Provide leadership, coaching and regular one on one meetings to direct reports
• The duties and responsibilities described are not a comprehensive list.  Additional tasks may be assigned as necessitated by business demands.

This position will also be expected to use the following computer programs:

• Microsoft Office Suite (including Word, Excel, Outlook)
• Web browsers, i.e. Chrome
• Will be expected to utilize other programs such as Fiserv and Nautilus
• Other programs as necessary

Working Conditions:

• Must be able to travel between offices, sometimes with no notice and/or after hours
• Must be available after-hours for schedule systems maintenance and/or emergency support
• Occasional travel may be required to attend training sessions or meetings held off site or at other branch locations.
• Physical presence will be always required at the bank

Training/Policy Acknowledgment

• Online classes - online classes are assigned for this position and are expected to be completed on an annual basis
• Bank Policies – similar to the online classes, Bank policies are assigned to best fit this position and are expected to be reviewed, understood and signed on an annual basis.  Colleagues are also expected to attend internal policy training sessions.
• Other training as assigned.

Required Qualifications /Skills/ Abilities

• At least two years retail and/or banking experience
• Strong communication and writing skills
• At least one year of supervisory experience
• Knowledge of banking rules, regulations, policies and procedures
• Strong problem-solving skills

Physical Demands:

• Must be able to carry up to 25 pounds

Supervisory Responsibilities:

Direct supervision of the tellers. Carries out supervisory responsibilities in accordance with the Bank’s policies and applicable laws.  Responsibilities include providing leadership, planning, assisting in hiring process, training, assigning work, annual performance reviews, coaching, inspiring, developing, disciplining, and rewarding staff to meet current and future departmental needs. 

- Candidates can send their resumes directly to HR@fmmarinette.com.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

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

EOE Statement:  Farmers & Merchants Bank & Trust is an equal employment opportunity employer.  All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, nation origin, disability status, protected veteran status or any other characteristic protected by law.