Andover Bank jobs

Job DescriptionDescription: The Client Service Representative I is an entry level retail employee responsible for maintaining an accurate record of a cash drawer and understanding the basic functions of the banking center and customer service. Duties and responsibilities include the following: ESSENTIAL DUTIES AND RESPONSIBILITIES Regular onsite attendance Flexible to work at other locations as needed Ability to work well with others in a team environment Provides accurate, efficient and exceptional customer service to internal and external customers Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines Satisfactorily completes all training required for the position Profitability - The Client Service Representative I assists in the branch initiatives impacting the banking center's profitability. Teller Window- Accountable for accuracy with cash, checks and customer transactions. Maintains a neat and orderly work area. Operations- Follows confidentiality guidelines and understands basic bank procedures. Sales- Accountable for own referrals. Products- Has a basic understanding of Andover Bank products and services. Goals- Achieves referral goals following Introductory period and helps with branch goals. Knowledge- Passes assigned tests and courses. Customer Service Fully understands Andover Bank's service standards and must meet or exceed them. Career Path At a minimum, a Client Service Representative I should strive to understand and master the following to be considered for a Client Service Representative II in a 9-12 month time frame. The following are recommendations and may not include all considerations required. Vault back-up Basic customer account maintenance Assist with ATM Order checks Branch end of day procedures Satisfactory balancing records Meets or exceeds service standards Minimal to no errors on customer transactions Efficient customer transactions Contributes to the overall team goals. Other duties as assigned Requirements: SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE High school diploma or general education degree (GED) required. Six months related sales or banking experience preferred. LANGUAGE SKILLS Ability to read and comprehend simple instructions, short correspondence and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers and other employees of the organization. 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 detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. OTHER QUALIFICATIONS Computer Skills: Ability to perform basic computer skills and operate computer programs. Proficient in Microsoft Word and Excel. Customer service skills 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. WORKING ENVIRONMENT/CONDITIONS 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. No hazardous or significantly unpleasant conditions (such as a typical office) Noise level is usually moderate

The Senior Home Loan Originator (SHLO) will proactively seek new residential mortgage business and will build relationships with business line partners within the organization and externally to generate referral business. The principal responsibility of the SHLO is to meet with the customer to determine the product and terms that best fit their needs. He/She will generate a complete mortgage application, ensure appropriate guidelines and procedures are followed while meeting sales and quality goals and objectives. The SHLO must clearly communicate documentation requirements, fees, and terms to the customer. The customer must leave the application process with a thorough understanding of the steps that will follow. He/She will communicate timely and in a friendly professional demeanor to the customers and to the support staff as well. The SHLO will additionally, be responsible for the leadership, management, growth and profitability of their designated region. He/she will assist the Home Loan Manager, with coaching, training, and mentoring. ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties may be assigned. Originate Home loans including: Freddie Mac, Fannie Mae, FHA, USDA, VA, Home Equity Loans, HELOCs, and other in-house loan products. Prospects new mortgage lending opportunities and recommends the best home loan product(s) based on the customers individual needs. Analyze and compile information and documentation collected to accurately process loans in accordance with Bank policies and procedures as well as real estate lending rules and regulations. Ensure assigned Home Loan Matrix dates for 30-day turn-time are met on all loan files. Identify, develop and maintain a successful network of business relationships that serves as a recurring source of referrals for new home loan opportunities Maintain availability to realtors and borrowers outside of standard banking hours. Ensure exceptional customer experience by overseeing the loan process from origination to closing and providing on-going communication to customers, processors, underwriters, and other business partners. Participate in business related development opportunities and community efforts to promote F&M and generate new business. Demonstrates a complete understanding of products offered by F&M and cross-sell those products, including FM Investments. Works with managers and marketing to develop and implement sales and marketing plans on an on-going basis designed to enhance success, and achieve goals assigned by the bank. Handle customer questions and/or issues and take appropriate action to resolve them. Achieve production and other goals as established by F&M. Utilizes F&M training materials, reference tools and other resources to provide accurate and up-to-date loan program/policy information to both external customers and internal business partners. Participate in Sales program including practicing drills and role-plays; utilize sales skills to provide outstanding customer service. Oversee daily activities performed by the HLOs and drive each towards expected monthly and quarterly goals through regular coaching. Review and decision exceptions to F&M's loan policy. Develop and assist in special functions and home loan training. Perform personnel tasks for the region, reviews, coaching, and identifying training opportunities. Possess excellent problem solving and decision-making skills. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. SUPERVISORY RESPONSIBILITIES: Supervises Home Loan Originators, as assigned. Is responsible for the overall direction, coordination, and evaluation of assigned staff. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring, scheduling, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. 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. Requirements 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 and 3-5 years related experience and/or training; or equivalent combination of education and experience. Must have strong public relations skills. Must have computer skills in Microsoft Office and Excel. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Ability to effectively present information and respond to questions from employees, customers, and the general public. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. REASONING ABILITY Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS Valid driver's license Notary public Federal NMLS OTHER SKILLS AND ABILITIES Has good writing and communication skills. Must be articulate, friendly and possess good telephone etiquette. Is neat in appearance, detail oriented and possesses the ability to work without supervision. 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception, 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. 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

At F&M, our personal bankers do more than handle requests; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their financial transactions with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we're looking for a qualified personal banker to join our team. Our ideal candidate will have experience with banking processes, money management, and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community. This position is the “Customer Ambassador” for the bank with the overall purpose of providing exceptional service to our customers via multiple channels but primarily face-to-face interaction with the bank. The ideal candidate will be passionate about empowering customers to meet their financial goals and have a thorough understanding of the customer's transaction requirements. Excellent communication is a critical trait necessary to educate customers and refer appropriate products and services matching their needs. A Personal Banker I, will open deposit accounts and complete the processing of regular transactions, such as receiving and paying out money and keeping records of money and negotiable instruments involved in financial transactions in an efficient and accurate manner. Provide personalized banking services to financial institution customers by performing the following duties: educate customers about the Banks' sales and service delivery options and refer the appropriate products and services matching the customer needs. This position will effectively refer customers to the appropriate source or channel to address their need. Bankers fulfilling a level I role would have baseline banker knowledge. OBJECTIVES OF THIS ROLE: Have an excellent and thorough understanding of the bank products/services and the customer's current relationship, offer information on bank products and services that can benefit the customer and enhance their banking relationship. (Listen to the customer's needs and match those needs to the bank's products and services resulting in referrals.) Evaluate needs of potential customers and offer appropriate financial products and services while utilizing BN Control. Prepare and compile new customer account information to open new deposit accounts - including signature cards, new account sheets, check orders, direct deposit, and automatic bill pay. Accounts include all deposit products including Certificate of Deposit opening, closing, deposits and partial withdrawals. IRA opening, distributions, and contributions. Refer and schedule appointments with Home Loan Originators and educate customers on various home loan products. Provide ongoing relationship servicing by informing and advising customers of status or enhancements to current accounts to maintain goodwill and gain additional business. Also suggest resolution on account disputes and other account activity. Respond promptly to customer inquiries and requests and resolves difficult customer transactions and situations. Promote and cross-sell Bank products and services as appropriate to customer needs, including FM Investments. Generate new business to assist in meeting profitability goals of the office, and production goals set by retail leadership. Answer telephone calls, take messages, provide information, and direct calls to appropriate staff as necessary. Greet bank visitors, provide information, and direct them to appropriate staff as necessary. RESPONSIBILITIES: May also fulfill those responsibility outlined in Teller Job Description Identify customer needs, provide information on new products and services, and refer customers to branch representatives. Meet and exceed partner referrals and sale production goals as set by retail leadership. Open requested accounts in adherence to bank guidelines Track, record, report, and store transactional information and special requests Provide a high level of customer service, providing answers and assistance with a smile Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. Requirements QUALIFICATIONS: High school diploma, and/or 3-5 years of retail banking experience. Basic math and computer skills Working knowledge of banking/financial products and services Cash-handling experience Excellent communication, customer service, and time-management skills Ability to pass a background check Strong dedication to accuracy and efficiency ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver's License Personal Banker Certificate Notary Public Commission ** This position is scheduled to work Monday - Saturday, generally with a day off and / or occasional extended hours as needed to accommodate the flow of business. On occasion an employee may be asked to report to another location to fulfill staffing needs. COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

Part-time Description The Administrative Assistant assists the Executive officers, Human Resources and Retail Banking. This position provides a high level of administrative support. The position requires professionalism, exceptional organizational skills, confidentiality, multitasking, accuracy and superior computer skills. ESSENTAIL DUTIES AND RESPONSIBILITIES · Regular onsite attendance · Ability to work well with others in a team environment · Ability to work independently with little direction · Provides accurate, efficient and exceptional customer service to internal and external customers · Maintains knowledge of bank regulations, security and compliance responsibilities, policies, procedures and meets deadlines · Maintains required training courses. · Regularly files, faxes, scans, prints reports, answers telephone and makes calls as requested · Opens and closes executive area doors as needed and welcomes visitors/applicants to the executive area · Schedules meetings and coordinates the use of the meeting rooms at Headquarters. · Prepares correspondence written and electronic · Assists in the retail and Human Resources departments · Compiles data for reports using excel and word · Orders supplies · Leads the Events committee · Prepares monthly newsletter and company phone directory · Coordinates food and refreshments for meetings, such as the Board of Directors, retail manager meetings and training · Other duties as assigned SUPERVISORY RESPONSIBILITIES -This position has no direct reports. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE High School diploma or (GED) required. One year related technical school and/or two years related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS Ability to read and interpret documents such as operating and maintenance instructions and procedure manuals. Ability to write routine reports and correspondence. MATHEMATICAL SKILLS Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute percentages. Ability to apply concepts of basic algebra. REASONING ABILITY Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with and solve practical problems involving a variety of concrete variables in standardized situations. OTHER QUALIFICATIONS Must possess above average organizational, language, typing (50 words per minute) and computer skills. Proficient in Microsoft programs, especially Excel and Word. PowerPoint a plus. Extremely confidential and customer service oriented. Be able to work independently and with individuals at all levels of the organization A high degree of accuracy and attention to detail. 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus WORKING ENVIRONMENT/CONDITIONS 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. No hazardous or significantly unpleasant conditions (such as a typical office) Noise level is usually quiet.

The Branch Manager role is a progression of the Branch Supervisor position. In addition to duties outlined as Branch Supervisor, the Branch Manager will also adhere to performance metrics for profitability, sales production, customer acquisition and outside sale activities. Managing the success of the branch and each individual team member will be key. The Branch Manager will develop and grow customer relationships, promotes products and services, and deliver efficient operation. Duties in this role include overseeing daily branch opening/closing, customer service, transaction processing, and reconciliation tasks and activities. This role schedules, manages, and trains branch staff. Including sales management of bankers who sell products, and tellers referring customers. Ensures staff understands and follows all company policies and procedures to maintain required security, operational, and service quality standards. The Branch Manager is accountable for financial operational and customer satisfaction goals for the branch. They resolve escalated customer or operations issues. They will coordinate with other partners to promote products, represent the bank in the community, and schedule meetings to promote bank products and services. OBJECTIVES OF THIS ROLE: 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. RESPONSIBILITIES: Performance Metrics Manages the growth and profitability of a retail branch location. Develops team and coaches them to meet high standards of performance. Ensures completion of operational tasks, staying compliant with policy and procedure. Participates in community engagement events and customer acquisition strategies. Including Chamber, Bank at Work, Rotary, etc. Proactively sources and nourishes relationships to support sales goals. Adhering to duties as outline in branch supervisor role. LEADERSHIP: Promote and encourage F&M culture and values; promotes a highly engaged and productive work environment, where employees feel comfortable speaking up about issues and can realize their best lives. Requirements QUALIFICATIONS: Education and/or Experience: Associate or bachelor's degree (B. A.) from four-year college or university in relevant area and/or 5 years related experience. 2 years of prior leadership experience ABA certifications for Personal Banker and Leadership Knowledge and Skills: Excellent interpersonal skills, collegial, approachable, and genuine Collaborative - team player Attention to Detail Acknowledges responsibility and can take decisive action when warranted. Results Oriented Empathetic leader with high emotional intelligence in dealing with peers and subordinates. Exceptional communication skills both written and oral along with good presentation skills ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver's License Notary Public Medallion Signature Guarantee Bonding (where applicable) COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. LEADERSHIP COMPETENCIES: Managing Conflict: Listens well, diffuses conflict before it starts, finds solutions to problems in a constructive manner, handles difficult people. Agility: Ability to respond to changing conditions quickly with mechanisms in place to manage, mitigate, and minimize disruption. Leading Change: Champions organizational change initiatives. Assesses and adjusts to changing situations, implementing innovative solutions to make organizational improvements. Leading People: Designs and implements strategies that maximize employee potential in meeting the organization's vision, mission, and goals. Provides an inclusive workplace that fosters the development of others to their full potential.

At F&M, our bank tellers do more than handle money; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their financial transactions with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we're looking for a qualified bank teller to join our team. Our ideal candidate will have experience with banking processes, money management, and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community and the country. OBJECTIVES OF THIS ROLE: Serve customers by managing documents, information, and financial transactions successfully and in an organized, efficient, and secure manner Build awareness of new products and services, and identify customer needs to capitalize on the business referral opportunities Meet and exceed bank service standards, greeting and acknowledging each customer warmly, and making them feel welcome while complying with bank procedures and security protocols Work as a team with other tellers to complete daily tasks, demonstrating respect and professionalism, being prompt, and supporting management with special request as needed Help our customers and employees realize their best lives RESPONSIBILITIES: Handle account transactions for customers, including check cashing, deposits, withdrawals, transfers, loan payments, cashier's checks, and opening and closing accounts Identify customer needs, provide information on new products and services, and direct customers to branch representatives if interested Reconcile cash drawers at the end of your shift, count and package coins and currency, turn in any excess or damaged currency to head teller Track, record, report, and store transactional information and special requests Provide a high level of customer service, providing answers and assistance with a smile Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. Requirements QUALIFICATIONS: High school diploma or equivalent; or one to three months related experience and/or training; or equivalent combination of education and experience. Basic math and computer skills Cash-handling experience Excellent communication, customer service, and time-management skills Ability to pass a background check Strong dedication to accuracy and efficiency ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver's License Notary Public Commission ** This position is scheduled to work Monday - Saturday, generally with a day off and / or occasional extended hours as needed to accommodate the flow of business. Non-Exempt/Hourly Competencies: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

At F&M, our Retail Loan Underwriter II's do more than underwriter loan files; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their loan underwriting with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we're looking for a qualified loan underwriter to join our team. Our ideal candidate will have experience with banking loan processes and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community and the country. OBJECTIVES OF THIS ROLE: Responsible for reviewing mortgage and consumer loan applications to determine the loan qualification and documentation for accuracy of the loan application. Ensures proper delivery of loans to secondary market. Meet and exceed bank service standards while complying with bank procedures and security protocols. Help our employees realize their best lives. RESPONSIBILITIES: Utilize sales training skills to provide outstanding customer service. Exercise sound judgement in underwriting residential mortgage and consumer loan files for compliance to loan policy. Review the loan documentation for accuracy to the loan application and preapprovals. Documenting loan file listing conditions for loan file approval. Answering underwriting questions for all bank employees Backup residential mortgage appraisal reviews and valuations. Complete secondary reviews on denied, withdrawn, and incomplete loan applications on residential mortgages. Welcome Home Program management and training. Analyze for eligibility and code portfolio loans to pledge to Federal Home Loan Bank. Check the VIN of all collateral taken against the State's website to verify accuracy of same. Review and process TMS transactions on approved dealer loans. Complete the underwriting portion of the consumer loan checklist. Prepare extension forms, modification forms, and overdraft protection loan forms as necessary. Perform 2nd lender review of declined loans. Maintain strict confidentiality regarding customer's personal and financial information. Attend meetings and training sessions as requested. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. Requirements QUALIFICATIONS: Bachelor's degree (B. A.) from four-year college or university; and two to three years related experience and/or training; or equivalent combination of education and experience. Is knowledgeable about the FMAC and other secondary investors' underwriting requirements, working with tax returns and verification of employment, the lien process including reading the title process and reading a credit report. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. Excellent communication, customer service, precise work and time-management skills Ability to pass a background check Strong dedication to accuracy and efficiency ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver's License Physical Demands The physical demands and work environment characteristics 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. ** This position is scheduled to work Monday - Friday, generally with a day off and / or occasional extended hours as needed to accommodate the flow of business. Non-Exempt/Hourly Competencies: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

The Commercial Lending Assistant will provide administrative and support assistance for multiple commercial lending officers while acting as a liaison between the clients and the Bank to ensure all commercial clients within their region are serviced professionally to meet and exceed client expectations. They serve as the loan documentation contact person and perform administrative duties. OBJECTIVES OF THIS ROLE: Ensure that loan files contain accurate documents, signatures, dates and other relevant data are collected and/or recorded. Provide administrative assistance to the Commercial / Ag bankers, including but not limited to updating and typing loan applications, assembling documentation for loans, ordering credit reports, attorney work, title searches, flood determinations, UCC searches, and appraisals. Assist customers with questions concerning existing accounts. RESPONSIBILITIES: Prepares loan disbursements, payments and draws on lines of credit, wire transfers and account transfers on behalf of the commercial customers. Works effectively with a diverse group of bank personnel at several levels of the organization in the coordination of commercial application requirements leading up to document delivery. Completes credit references. Enter data in computer using different software programs - primarily MS Word and MS Excel. Assist in collection and organization of financial information needed in evaluation of credit. Prepare and mail letters to customers requesting updated financial information. Save financial and other customer related documentation in the public drive. Insure all documentation is imaged in Director. Adheres to Loan Policy and Compliance Regulations Processes new and renewal notes. Closes loans for Commercial / Ag Bankers following their instructions. Schedules loan closings and Banker's appointments. Follow up and maintain pending/exception list for loan files. Corresponds with customers by phone, in writing or via electronic communication as appropriate. Complete CIP and other related documentation associated with identity verification for borrowers and guarantors. Comply and satisfactorily pass tests for bank policy and regulations that apply to position. Other duties may be assigned. Requirements 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 High school diploma or general education degree (GED) and two to four years related experience and/or training; or equivalent combination of education and experience along with computer experience. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. 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 common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. ADDITIONAL REQUIREMENTS: CERTIFICATES, LICENSES, REGISTRATIONS Notary Public Commission Valid Driver's License COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

The F&M Internship Program provides hands-on experiential learning opportunities to students interested in the banking/finance industry. Through this program, you will have the opportunity to work side-by-side with current F&M employees in your chosen field of interest. Network, develop, and collaborate all while learning about the F&M culture and organization! Requirements EDUCATION and/or EXPERIENCE: Actively enrolled in an accredited College or University program working towards an Associate's, Bachelor's or Master's degree in Accounting, Business, Finance, Economics, or related major OTHER KNOWLEDGE and/or SKILLS: Demonstrated leadership and teamwork from past work experience and/or extracurricular activities Strong quantitative and critical thinking abilities Highly motivated with a strong work ethic Outstanding interpersonal, communication and presentation skills Proficiency in Excel and PowerPoint Candidates must be legally authorized to work in the U.S. without sponsorship Farmers & Merchants State Bank is an Equal Opportunity and Affirmative Action Employer committed to building a diverse, equitable and inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or other protected category.

The Vice President, Loan Administration is responsible for the overall leadership, strategic direction, and performance of the Bank's consumer and residential lending operations, loan processing, loan servicing, collections, and secondary market activities. This position ensures strong risk management, regulatory compliance, staff development, and operational efficiency across all lending support functions. ESSENTIAL DUTIES AND RESPONSIBILITIES * Regular onsite attendance. * Provides accurate, efficient, and exceptional customer service to both internal and external customers. * Maintains up-to-date knowledge of bank regulations, credit policies, loan documentation standards, secondary market requirements, and compliance obligations. * Oversees the daily operations of Loan Processing, Loan Servicing, and Collections through direct supervision of department managers. * Ensures efficient workflow and timely processing, underwriting, servicing, and support for retail lending operations. * Leads loan administration initiatives, including credit review, quality control, portfolio monitoring, and risk mitigation strategies. * Oversees secondary market processes including program eligibility, servicing requirements, quality control, and investor reporting. * Evaluates lending processes, procedures, and systems to improve efficiency, accuracy, and customer experience. * Provides leadership in change management and drives enhancements to support organizational goals and the future direction of Andover Bank. * Ensures effective cross-departmental communication and collaboration to meet lending, servicing, and compliance objectives. * Prepares lending-related reports, metrics, and analysis for Executive Management, the Board of Directors, auditors, and regulators. * Ensures departments maintain accurate and complete procedure manuals and follow all security, audit, and quality control guidelines. * Provides coaching, support, performance management, and professional development for direct reports and their teams. * Supports preparation for internal and external audits and regulatory examinations. * Participates in strategic planning and contributes to developing and implementing lending strategies and goals. * Builds strong relationships with lending officers to support quality loan growth and consistent credit standards. * Represents the Bank professionally with customers, community members, auditors, regulators, and business partners. SUPERVISORY RESPONSIBILITIES The VP of Loan Administration directly supervises the Loan Processing Manager and the Loan Servicing Manager and works collaboratively with senior management, lending officers, and operational departments to maintain the quality, growth, and profitability of the Bank's lending portfolio. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Bachelor's Degree or higher in Business Management, Accounting or Finance or commensurate experience. Previous loan experience required. Strong organizational, analytical, and supervisory and communication skills. Must have a demonstrated working knowledge of Microsoft products LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers or other customers. 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. OTHER SKILLS AND ABILITIES Strong Computer and Interpersonal Skills REASONING ABILITY Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. CERTIFICATES, LICENSES, REGISTRATIONS N/A 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; reach with hands and arms; talk, hear and see. The employee frequently is required to stand, walk, and sit. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. 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.

Sell Bank products and services while using the sales skills that have been learned in sales training. Accept cash items from customers for deposit, handle withdrawal and deposits from savings and checking accounts and take loan and credit card payments. Cash checks within the limits of the Bank policies. Works at various offices on an as needed basis. OBJECTIVES OF THIS ROLE: Utilize sales training skills to provide outstanding customer service, have complete knowledge of bank products and services and utilize BN Control for referrals and follow up. Receive deposits or checking and savings accounts and process other customer transactions. Cross-sell all bank products, including FM Investments. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. RESPONSIBILITIES: Cash checks in accordance with Bank procedures. Receive loan payments and refer customers with questions about home loans, consumer, other loans and credit card accounts to appropriate lender. Balance cash drawer and reports discrepancies to the Personal Relationship Banker Supervisor as necessary. Issue money orders, cashier's checks, and stop payments. Make concentrated effort to solve customer problems. Open night deposit, record and process transactions while maintaining dual control. Utilize a coin wrapper and coin sorter to manage coin inventory and coin transactions. Keep safe deposit box records and assist customers with entry to safe deposit boxes. Redeem savings bonds. Promptly report malfunctions of equipment to supervisor. Clean and maintain teller area, general office cleaning, and decorating. Requirements QUALIFICATIONS: 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience. Computer experience, customer service and cash handling experience, preferred. LANGUAGE SKILLS 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 organization. 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 common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. ADDITIONAL REQUIREMENTS: CERTIFICATES, LICENSES, REGISTRATIONS Valid Driver's License COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

Job DescriptionDescription: The Client Service Representative I is an entry level retail employee responsible for maintaining an accurate record of a cash drawer and understanding the basic functions of the banking center and customer service. Duties and responsibilities include the following: ESSENTIAL DUTIES AND RESPONSIBILITIES Regular onsite attendance Flexible to work at other locations as needed Ability to work well with others in a team environment Provides accurate, efficient and exceptional customer service to internal and external customers Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines Satisfactorily completes all training required for the position Profitability - The Client Service Representative I assists in the branch initiatives impacting the banking center's profitability. Teller Window- Accountable for accuracy with cash, checks and customer transactions. Maintains a neat and orderly work area. Operations- Follows confidentiality guidelines and understands basic bank procedures. Sales- Accountable for own referrals. Products- Has a basic understanding of Andover Bank products and services. Goals- Achieves referral goals following Introductory period and helps with branch goals. Knowledge- Passes assigned tests and courses. Customer Service Fully understands Andover Bank's service standards and must meet or exceed them. Career Path At a minimum, a Client Service Representative I should strive to understand and master the following to be considered for a Client Service Representative II in a 9-12 month time frame. The following are recommendations and may not include all considerations required. Vault back-up Basic customer account maintenance Assist with ATM Order checks Branch end of day procedures Satisfactory balancing records Meets or exceeds service standards Minimal to no errors on customer transactions Efficient customer transactions Contributes to the overall team goals. Other duties as assigned Requirements: SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE High school diploma or general education degree (GED) required. Six months related sales or banking experience preferred. LANGUAGE SKILLS Ability to read and comprehend simple instructions, short correspondence and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers and other employees of the organization. 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 detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. OTHER QUALIFICATIONS Computer Skills: Ability to perform basic computer skills and operate computer programs. Proficient in Microsoft Word and Excel. Customer service skills 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. WORKING ENVIRONMENT/CONDITIONS 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. No hazardous or significantly unpleasant conditions (such as a typical office) Noise level is usually moderate

The Administrative Assistant assists the Executive officers, Human Resources and Retail Banking. This position provides a high level of administrative support. The position requires professionalism, exceptional organizational skills, confidentiality, multitasking, accuracy and superior computer skills. ESSENTAIL DUTIES AND RESPONSIBILITIES * Regular onsite attendance * Ability to work well with others in a team environment * Ability to work independently with little direction * Provides accurate, efficient and exceptional customer service to internal and external customers * Maintains knowledge of bank regulations, security and compliance responsibilities, policies, procedures and meets deadlines * Maintains required training courses. * Regularly files, faxes, scans, prints reports, answers telephone and makes calls as requested * Opens and closes executive area doors as needed and welcomes visitors/applicants to the executive area * Schedules meetings and coordinates the use of the meeting rooms at Headquarters. * Prepares correspondence written and electronic * Assists in the retail and Human Resources departments * Compiles data for reports using excel and word * Orders supplies * Leads the Events committee * Prepares monthly newsletter and company phone directory * Coordinates food and refreshments for meetings, such as the Board of Directors, retail manager meetings and training * Other duties as assigned SUPERVISORY RESPONSIBILITIES -This position has no direct reports. 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE High School diploma or (GED) required. One year related technical school and/or two years related experience and/or training; or equivalent combination of education and experience. LANGUAGE SKILLS Ability to read and interpret documents such as operating and maintenance instructions and procedure manuals. Ability to write routine reports and correspondence. MATHEMATICAL SKILLS Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute percentages. Ability to apply concepts of basic algebra. REASONING ABILITY Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions. Ability to deal with and solve practical problems involving a variety of concrete variables in standardized situations. OTHER QUALIFICATIONS Must possess above average organizational, language, typing (50 words per minute) and computer skills. Proficient in Microsoft programs, especially Excel and Word. PowerPoint a plus. Extremely confidential and customer service oriented. Be able to work independently and with individuals at all levels of the organization A high degree of accuracy and attention to detail. 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus WORKING ENVIRONMENT/CONDITIONS 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. No hazardous or significantly unpleasant conditions (such as a typical office) Noise level is usually quiet.

Sell Bank products and services while using the sales skills that have been learned in sales training. Accept cash items from customers for deposit, handle withdrawal and deposits from savings and checking accounts and take loan and credit card payments. Cash checks within the limits of the Bank policies. Works at various offices on an as needed basis. OBJECTIVES OF THIS ROLE: Utilize sales training skills to provide outstanding customer service, have complete knowledge of bank products and services and utilize BN Control for referrals and follow up. Receive deposits or checking and savings accounts and process other customer transactions. Cross-sell all bank products, including FM Investments. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. RESPONSIBILITIES: Cash checks in accordance with Bank procedures. Receive loan payments and refer customers with questions about home loans, consumer, other loans and credit card accounts to appropriate lender. Balance cash drawer and reports discrepancies to the Personal Relationship Banker Supervisor as necessary. Issue money orders, cashier's checks, and stop payments. Make concentrated effort to solve customer problems. Open night deposit, record and process transactions while maintaining dual control. Utilize a coin wrapper and coin sorter to manage coin inventory and coin transactions. Keep safe deposit box records and assist customers with entry to safe deposit boxes. Redeem savings bonds. Promptly report malfunctions of equipment to supervisor. Clean and maintain teller area, general office cleaning, and decorating. Requirements 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience. Computer experience, customer service and cash handling experience, preferred. LANGUAGE SKILLS 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 organization. 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 common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. ADDITIONAL REQUIREMENTS: CERTIFICATES, LICENSES, REGISTRATIONS Valid Driver's License COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

Part-time Description The Client Service Representative I is an entry level retail employee responsible for maintaining an accurate record of a cash drawer and understanding the basic functions of the banking center and customer service. Duties and responsibilities include the following: ESSENTIAL DUTIES AND RESPONSIBILITIES Regular onsite attendance Flexible to work at other locations as needed Ability to work well with others in a team environment Provides accurate, efficient and exceptional customer service to internal and external customers Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines Satisfactorily completes all training required for the position Profitability - The Client Service Representative I assists in the branch initiatives impacting the banking center's profitability. Teller Window- Accountable for accuracy with cash, checks and customer transactions. Maintains a neat and orderly work area. Operations- Follows confidentiality guidelines and understands basic bank procedures. Sales- Accountable for own referrals. Products- Has a basic understanding of Andover Bank products and services. Goals- Achieves referral goals following Introductory period and helps with branch goals. Knowledge- Passes assigned tests and courses. Customer Service Fully understands Andover Bank's service standards and must meet or exceed them. Career Path At a minimum, a Client Service Representative I should strive to understand and master the following to be considered for a Client Service Representative II in a 9-12 month time frame. The following are recommendations and may not include all considerations required. Vault back-up Basic customer account maintenance Assist with ATM Order checks Branch end of day procedures Satisfactory balancing records Meets or exceeds service standards Minimal to no errors on customer transactions Efficient customer transactions Contributes to the overall team goals. Other duties as assigned Requirements SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE High school diploma or general education degree (GED) required. Six months related sales or banking experience preferred. LANGUAGE SKILLS Ability to read and comprehend simple instructions, short correspondence and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers and other employees of the organization. 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 detailed but uninvolved written or oral instructions. Ability to deal with problems involving a few concrete variables in standardized situations. OTHER QUALIFICATIONS Computer Skills: Ability to perform basic computer skills and operate computer programs. Proficient in Microsoft Word and Excel. Customer service skills 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. WORKING ENVIRONMENT/CONDITIONS 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. No hazardous or significantly unpleasant conditions (such as a typical office) Noise level is usually moderate

Part-time Description At F&M, our bank tellers do more than handle money; they establish and nurture lasting relationships with our valued customers. We are industry leaders because people trust us to handle their financial transactions with the utmost care and attention to detail. To continue this tradition of superior service and accountability, we're looking for a qualified bank teller to join our team. Our ideal candidate will have experience with banking processes, money management, and customer service. First and foremost, you must be trustworthy and precise. Your contribution will reinforce our reputation as a trusted bank in the community and the country. OBJECTIVES OF THIS ROLE: Serve customers by managing documents, information, and financial transactions successfully and in an organized, efficient, and secure manner Build awareness of new products and services, and identify customer needs to capitalize on the business referral opportunities Meet and exceed bank service standards, greeting and acknowledging each customer warmly, and making them feel welcome while complying with bank procedures and security protocols Work as a team with other tellers to complete daily tasks, demonstrating respect and professionalism, being prompt, and supporting management with special request as needed Help our customers and employees realize their best lives RESPONSIBILITIES: Handle account transactions for customers, including check cashing, deposits, withdrawals, transfers, loan payments, cashier's checks, and opening and closing accounts Identify customer needs, provide information on new products and services, and direct customers to branch representatives if interested Reconcile cash drawers at the end of your shift, count and package coins and currency, turn in any excess or damaged currency to head teller Track, record, report, and store transactional information and special requests Provide a high level of customer service, providing answers and assistance with a smile Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. Requirements QUALIFICATIONS: High school diploma or equivalent; or one to three months related experience and/or training; or equivalent combination of education and experience. Basic math and computer skills Cash-handling experience Excellent communication, customer service, and time-management skills Ability to pass a background check Strong dedication to accuracy and efficiency ADDITIONAL REQUIREMENTS: Certificates and Licenses Valid Driver's License Notary Public Commission ** This position is scheduled to work Monday - Saturday, generally with a day off and / or occasional extended hours as needed to accommodate the flow of business. Non-Exempt/Hourly Competencies: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

The Client Service Representative I is an entry level retail employee responsible for maintaining an accurate record of a cash drawer and understanding the basic functions of the banking center and customer service. Duties and responsibilities include the following: ESSENTIAL DUTIES AND RESPONSIBILITIES * Regular onsite attendance * Flexible to work at other locations as needed * Ability to work well with others in a team environment * Provides accurate, efficient and exceptional customer service to internal and external customers * Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines * Satisfactorily completes all training required for the position Profitability - The Client Service Representative I assists in the branch initiatives impacting the banking center's profitability. * Teller Window- Accountable for accuracy with cash, checks and customer transactions. Maintains a neat and orderly work area. * Operations- Follows confidentiality guidelines and understands basic bank procedures. * Sales- Accountable for own referrals. * Products- Has a basic understanding of Andover Bank products and services. * Goals- Achieves referral goals following Introductory period and helps with branch goals. * Knowledge- Passes assigned tests and courses. Customer Service * Fully understands Andover Bank's service standards and must meet or exceed them. Career Path At a minimum, a Client Service Representative I should strive to understand and master the following to be considered for a Client Service Representative II in a 9-12 month time frame. The following are recommendations and may not include all considerations required. * Vault back-up * Basic customer account maintenance * Assist with ATM * Order checks * Branch end of day procedures * Satisfactory balancing records * Meets or exceeds service standards * Minimal to no errors on customer transactions * Efficient customer transactions * Contributes to the overall team goals. * Other duties as assigned Requirements SUPERVISORY RESPONSIBILITIES * This job has no supervisory responsibilities 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE * High school diploma or general education degree (GED) required. Six months related sales or banking experience preferred. LANGUAGE SKILLS * Ability to read and comprehend simple instructions, short correspondence and memos. * Ability to write simple correspondence. * Ability to effectively present information in one-on-one and small group situations to customers and other employees of the organization. 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 detailed but uninvolved written or oral instructions. * Ability to deal with problems involving a few concrete variables in standardized situations. OTHER QUALIFICATIONS * Computer Skills: Ability to perform basic computer skills and operate computer programs. * Proficient in Microsoft Word and Excel. * Customer service skills 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. * The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. * The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. WORKING ENVIRONMENT/CONDITIONS * 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. * No hazardous or significantly unpleasant conditions (such as a typical office) * Noise level is usually moderate

Sell Bank products and services while using the sales skills that have been learned in sales training. Accept cash items from customers for deposit, handle withdrawal and deposits from savings and checking accounts and take loan and credit card payments. Cash checks within the limits of the Bank policies. Works at various offices on an as needed basis. OBJECTIVES OF THIS ROLE: Utilize sales training skills to provide outstanding customer service, have complete knowledge of bank products and services and utilize BN Control for referrals and follow up. Receive deposits or checking and savings accounts and process other customer transactions. Cross-sell all bank products, including FM Investments. Comply and satisfactorily pass tests for bank policy and regulatory compliance that apply to position. RESPONSIBILITIES: Cash checks in accordance with Bank procedures. Receive loan payments and refer customers with questions about home loans, consumer, other loans and credit card accounts to appropriate lender. Balance cash drawer and reports discrepancies to the Personal Relationship Banker Supervisor as necessary. Issue money orders, cashier's checks, and stop payments. Make concentrated effort to solve customer problems. Open night deposit, record and process transactions while maintaining dual control. Utilize a coin wrapper and coin sorter to manage coin inventory and coin transactions. Keep safe deposit box records and assist customers with entry to safe deposit boxes. Redeem savings bonds. Promptly report malfunctions of equipment to supervisor. Clean and maintain teller area, general office cleaning, and decorating. Requirements 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE High school diploma or general education degree (GED); or one to three months related experience and/or training; or equivalent combination of education and experience. Computer experience, customer service and cash handling experience, preferred. LANGUAGE SKILLS 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 organization. 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 common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. ADDITIONAL REQUIREMENTS:CERTIFICATES, LICENSES, REGISTRATIONS Valid Driver's License COMPLIANCE: As generally applicable to F&M Bank and commensurate with these job functions, this job role includes accountabilities for following Bank policies and related procedures, as well as regulatory requirements involving federal and state laws, regulations, and related guidance. Compliance with Bank Secrecy Act (BSA), including accurate completion of Currency Transaction Reports (CTR) when applicable, Anti-Money Laundering Act (AML), Office of Foreign Asset Control (OFAC) and the USA PATRIOT Act. Adhere to Customer Identification, Customer Due Diligence and reporting of suspicious activities to the BSA Department. NON-EXEMPT/HOURLY COMPETENCIES: Job Knowledge: Understands duties and responsibilities, possesses necessary job knowledge and technical skills, maintains job knowledge current. Productivity: Manages a fair workload, volunteers for additional work, prioritizes tasks, develops good work procedures, manages time well, and handles information flow. Attendance: Employee is expected to adhere to the attendance and break policy and communicate with your supervisor about anticipated time off or modifications to break times.

The Client Service Representative I is an entry level retail employee responsible for maintaining an accurate record of a cash drawer and understanding the basic functions of the banking center and customer service. Duties and responsibilities include the following: ESSENTIAL DUTIES AND RESPONSIBILITIES * Regular onsite attendance * Flexible to work at other locations as needed * Ability to work well with others in a team environment * Provides accurate, efficient and exceptional customer service to internal and external customers * Maintains knowledge of bank regulations, security and compliance responsibilities, products, policies, procedures and meets deadlines * Satisfactorily completes all training required for the position Profitability - The Client Service Representative I assists in the branch initiatives impacting the banking center's profitability. * Teller Window- Accountable for accuracy with cash, checks and customer transactions. Maintains a neat and orderly work area. * Operations- Follows confidentiality guidelines and understands basic bank procedures. * Sales- Accountable for own referrals. * Products- Has a basic understanding of Andover Bank products and services. * Goals- Achieves referral goals following Introductory period and helps with branch goals. * Knowledge- Passes assigned tests and courses. Customer Service * Fully understands Andover Bank's service standards and must meet or exceed them. Career Path At a minimum, a Client Service Representative I should strive to understand and master the following to be considered for a Client Service Representative II in a 9-12 month time frame. The following are recommendations and may not include all considerations required. * Vault back-up * Basic customer account maintenance * Assist with ATM * Order checks * Branch end of day procedures * Satisfactory balancing records * Meets or exceeds service standards * Minimal to no errors on customer transactions * Efficient customer transactions * Contributes to the overall team goals. * Other duties as assigned Requirements SUPERVISORY RESPONSIBILITIES * This job has no supervisory responsibilities 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. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION/EXPERIENCE * High school diploma or general education degree (GED) required. Six months related sales or banking experience preferred. LANGUAGE SKILLS * Ability to read and comprehend simple instructions, short correspondence and memos. * Ability to write simple correspondence. * Ability to effectively present information in one-on-one and small group situations to customers and other employees of the organization. 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 detailed but uninvolved written or oral instructions. * Ability to deal with problems involving a few concrete variables in standardized situations. OTHER QUALIFICATIONS * Computer Skills: Ability to perform basic computer skills and operate computer programs. * Proficient in Microsoft Word and Excel. * Customer service skills 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 hands to finger, handle, or feel; reach with hands and arms; and talk or hear. * The employee is occasionally required to stand; walk; or climb; and stoop, kneel or crouch. * The employee must regularly 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, peripheral vision, depth perception, and ability to adjust focus. WORKING ENVIRONMENT/CONDITIONS * 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. * No hazardous or significantly unpleasant conditions (such as a typical office) * Noise level is usually moderate