F&M Bank

Loan Underwriter

• Responsible for reviewing consumer loan applications to determine qualification and documentation accuracy.
• Meet and exceed bank service standards while complying with procedures and security protocols.
• Provide outstanding customer service utilizing sales training skills.
• Check the VIN of collateral for accuracy against the State’s website.
• Review and process TMS transactions on approved dealer loans.
• Complete underwriting portion of consumer loan checklist.
• Prepare extension and modification forms as necessary.
• Perform 2nd lender review of declined loans.
• Maintain strict confidentiality regarding customers’ personal and financial information.
• Attend meetings and training sessions as requested.
• Comply and satisfactorily pass tests for bank policy and regulatory compliance.

Retail Loan Underwriter I

Recruitment

• Manage the full cycle recruiting process for assigned requisitions, applying strong time management and prioritization skills to support multiple concurrent hiring needs while delivering a consistent candidate experience.
• Partners with hiring managers to ensure efficiency in time to fill while achieving quality and diversity hiring metrics.
• Understanding current and future workforce needs, including role requirements and turnover trends.
• Track recruiting activity and maintain accurate records within the applicant tracking system to support report reporting and ensure consistent hiring processes.
• Support the bank's commitment to affirmative action and Equal Employment Opportunity (EEO) by promoting inclusive sourcing practices and maintaining compliant recruiting documentation.
• Proactively source, attract, and engage both active and passive candidates using creative and effective sourcing techniques to build strong talent pipelines.
• Work closely with internal talent to promote from within and align with development plans.
• Review employment applications and interview candidates to qualify against position requirements.
• Apply critical thinking to assess candidate fit beyond skills alone, considering alignment with team, culture, and business needs.
• Negotiate and extend employment offers and partner with the hiring leader to support a smooth transition from offer acceptance all the way through onboarding.
• Work with HR leadership and HR central team to ensure offers meet compensation and benefits requirements.
• Identify, utilize, and optimize external job boards.
• Research, evaluate, and implement innovative sourcing strategies and tools to continuously improve candidate flow and hiring outcomes.
• Represent F&M at career fairs, community events, in campus recruiting activities to promote employment opportunities and strengthen the organization's employer brand.
• Enhance employee experience through open communication and conflict resolution.
• Manage the Bank’s internship program.

Retail Loan Underwriter I

Talent Acquisition Specialist