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.

Floating Teller

Job Summary:  To operate a teller station that includes an assigned cash drawer and coin locker.  This includes the ability to perform a variety of banking transactions, cross sell bank products, provide exemplary customer service, refer customers to the appropriate area(s) when needed, follow bank policies and procedures, protect bank assets, balance cash drawer daily, and maintain accurate records.

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

• Customer Relations – Greeting customers in a friendly and professional manner
• Provide accurate and timely customer service.
• Perform customer banking transactions and cross-selling Bank products.
• Receive checks and cash for deposit to savings, checking accounts or loan payments.  Verifies deposit amounts, examines checks for endorsement and negotiability.
• Cashes checks and pays money from savings and checking account upon verification of signatures and customer account balances.  Inspects all checks, bonds, money orders, savings withdrawals to determine their negotiability.
• Balancing cash drawer daily.
• Assist in maintaining security through a) verification of identification of customers and documents b) complying with all Federal, State and Bank procedures and guidelines c) safekeeping of Bank assets.
• Keep informed of new and current Bank products and services and other information (bank hours, facility issues) of interest to customers.
• Stay current on applicable banking regulations and security procedures and practices to prevent fraud or other bank losses and to comply with regulatory requirements.
• Answer customer inquiries and provide information in accordance with bank policies.
• Hear, Act and Own/Resolve bank product or service concerns to ensure customer(s) satisfaction: consulting with bank partners, supervisor, or leadership team when necessary.
• Responding to inquiries, providing product or service information and ensuring that customers receive the best possible service.
• Performing other duties as assigned or requested.

Supervisory Responsibilities:

This job has no people supervisory responsibilities.  Oversee procedure updates/compliance that may be required.

Performance Factors:

To perform the job successfully, an individual must be able to perform each essential duty satisfactorily and should demonstrate the following competencies:

• Ability to provide exceptional customer service to all customers. Use of customer name, thanking for relationship, asking pertinent questions
• High Level of Confidentiality.
• Ability for high level of accuracy and detail.
• Ability to prioritize workload and manage responsibilities.
• Knowledge of compliance with banking regulations.
• Proficient knowledge of Bank software programs, Microsoft, Office, and office systems.
• Represents the bank in a professional and positive manner.
• Maintains an acceptable attendance record as outlined in the employee handbook
• Complete required training courses

Education/Experience:

• High School diploma or equivalent
• Past cash handling and customers service experience is preferred.
• Ability to learn quickly in a fast-paced environment
• PC and keyboard skills
• High level of energy and positive can and will attitude

Certificates and Licenses: 

No certifications needed.  Attend/complete assigned bank training

Customer Service:

Individual demonstrates a positive and helpful attitude toward customers (internal and external), understands their importance to Farmers & Merchants Bank & Trust 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 Farmers & Merchants Bank & Trust.

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 FMBT 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.  Own the outcome of internal and external communications.

Language:

Ability to read, and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.  Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organizations.

Math:

Ability to calculate figures, add and subtract checks and cash and perform basic calculations such as interest.

Critical Thinking/Reasoning:

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.  Ability to deal with and assist in the solving of customer questions and/or concerns.

Computer:

To perform this job successfully, an individual should have advanced knowledge of Windows and Microsoft Office Software (Outlook, Excel and Word), and advanced keyboarding and ten-key skills.

Problem Solving:

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

Attention to Detail:

Perform daily tasks carefully, accurately, and in accordance with specific instructions.  Work ethics and standard should be consistent with 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.

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential function of this job.

The noise level in the work environment is usually 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.

Specific vision abilities required by this job include close vision.  While performing the duties of this Job the employee is regularly required to stand.  The employee is frequently required to talk, hear and lift up to 25 pounds.  The employee is occasionally required to walk, climb stairs, bend and kneel.

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. 

- 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.