Asst. Vice President - Mortgage Loan Officer - Farmers & Merchants State Bank

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

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