Career Opportunities

Job Opportunities

Updated 03/19/2025

Hillsboro, Ohio

Collections Specialist

We are seeking a Collections Specialist to join our team and play a key role in managing the bank's collection efforts with professionalism, strategy, and care. In this role, you will work alongside the Collections Manager, handling past-due accounts, negotiating payment plans, and ensuring compliance with regulatory and secondary market guidelines. Your ability to communicate effectively, solve problems proactively, and manage tasks efficiently will be essential in protecting the bank's assets while maintaining strong customer relationships.

Primary Duties and Responsibilities:

• Conduct collection calls to customers regarding past-due accounts
• Negotiate payment plans while maintaining positive customer relationships
• Monitor and report on collection activities to ensure timely resolution
• Ensure compliance with all secondary market collection guidelines
• Recommend accounts for repossession, foreclosure, replevin, and judgments when necessary
• Document bankruptcy filings and coordinate with legal counsel on related matters
• Work closely with the Collection Manager to identify and mitigate risks
• Perform other duties as assigned to support the overall success of the collections team

Qualifications/Skills and Knowledge Requirements:

• Previous experience in collections (preferably within a banking or financial institution)
• Strong negotiation and interpersonal skills
• Knowledge of repossession, foreclosure, and legal collection processes
• Ability to maintain compliance with state and federal regulations

Expectations & Skills:

Attention to Detail: Ensure accuracy in documentation, compliance, and reporting. Effective Communication: Clearly and professionally interact with customers, internal teams, and legal representatives. Time & Task Management: Prioritize workload efficiently to meet deadlines and objectives. Problem-Solving: Analyze accounts and recommend solutions to mitigate risk and recover funds.

Washington Court House, Ohio

Junior Mortgage Lender

The Junior Mortgage Lender will assist in managing a portfolio of business while servicing both prospective and current clients to facilitate a range of mortgage loans. This position plays a vital role in supporting the Residential Loan Officer to manage and grow the bank's portfolio. The Junior Mortgage Lender should actively engage in customer interactions, continuously learn, and become familiar with all aspects of the residential lending process.

Primary Duties and Responsibilities:

• Support the growth and development of the assigned mortgage loan portfolio by effectively managing a client portfolio as assigned by Residential Loan Officer
• Effectively monitor portfolio for revenue opportunities and/or loan exposures
• Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer-oriented projects
• Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients
• Work with clients to modify and/or restructure existing loans as needed
• Help resolve credit problems, delinquent payment issues, and other related affairs
• Review current account status, to include but not limited to, past due accounts and notes matured. Make appropriate recommendations for these accounts
• Monitor portfolio loan exposure including review of monthly maturity reports, daily overdraft activity reports and weekly past dues reports. Reports deteriorating credit situations in a timely manner
• Participate in evaluating risk rating and make revision recommendations
• Prepare lending activity reports for management and loan committee as needed

Qualifications/Skills and Knowledge Requirements:

• Bachelor's degree from four-year college or university, or equivalent banking experience
• Working knowledge of Microsoft Office
• Developed analytical and underwriting expertise, credit quality focus
• Formal credit training is a plus

Marysville, Ohio

Residential Loan Officer

The Mortgage Loan Originator will be responsible for managing the initial stages of the mortgage process, including preparing, analyzing, and verifying mortgage loan applications for both the purchase and refinance of real estate. This role plays a critical part in driving the growth of the bank's assets by cultivating, developing, and managing credit relationships for residential mortgage loans, construction loans, and general real estate loans.

Primary Duties and Responsibilities:

Develop and execute a strategic networking plan to identify new prospects.Create and implement an outreach strategy to establish contact with potential clients.Analyze current customer relationships to identify opportunities for loan, deposit, and cross-selling initiatives.Process credit requests from clients seeking new loans, including conducting site visits to discuss loan proposals.Foster and expand customer relationships by proactively assessing their evolving needs and identifying significant changes in their financial status.Act as the primary "relationship manager," liaising between the customer and various departments within the bank to resolve issues and address customer needs.Manage loan portfolios by reviewing branch balances, adjusting rates, and utilizing loan modifications or refinances to reduce client attrition.Provide expert financial advice and counsel to customers and prospects, helping them make informed decisions about their mortgage needs.Meet origination goals in accordance with established budget and market objectives.

Qualifications/Skills and Knowledge Requirements:

Bachelor's degree in Finance, Business, Accounting, or a related field.Active Mortgage Loan Originator (MLO) license in Ohio, or the ability to obtain licensure.A minimum of 2-3 years of experience in mortgage loan origination or related fields.Strong time management and organizational skills.In-depth knowledge of mortgage loan best practices and financial principles.

Springfield, Ohio

Customer Service Representative

Primary Duties and Responsibilities:

• Opens new accounts, refers, and cross-sells the company's products and services
• Participates with branch management in maintaining a customer-focused environment and developing new ideas to increase business that will help achieve customer relationship objectives
• Provide exceptional customer service
• Opens new accounts for bank products and services and expands existing customer relationships through cross-selling or referring products and services to the appropriate areas
• Assists customers in person or by phone with Bank products and services to develop new business and to retain or expand existing business
• Maintain and balance cash drawer, balance and service automatic teller machine, and assist with night deposits
• Works with branch management to implement activities to ensure branch profit goals are achieved
• Assists the branch management team in coaching and training the teller staff to help develop skills and achieve branch sales goals
• Works with branch Tellers on warm hand-off procedures
• Assists branch personnel with operational duties and on Teller line as needed
• Other duties as assigned

Qualifications/Skills and Knowledge Requirements:

• High School Diploma or equivalent required
• 2+ years of experience in financial industry preferred
• Ability to effectively utilize a computer and other standard office equipment
• Ability to effectively communicate orally and in writing
• Must maintain a friendly, courteous and professional demeanor
• Customer service and cash handling skills required

London, Ohio

Teller

Primary Duties and Responsibilities:

• Provide exceptional customer service, promote and cross sell a broad variety of bank products and services
• Process transaction for checking and savings (individual and commercial) accounts, time deposits, loans, club accounts, and safe deposit boxes
• Use Branch Capture to scan all items into the Bank's mainframe
• Provide other assorted services which include, but are not limited to: cashing checks, processing money orders, cashier checks, check orders, counting currency and coin
• Maintain and balance cash drawer, balance and service automatic teller machine, and assist with night deposits
• Manage vault operation to include ordering, balancing and maintaining cash at appropriate levels
• Maintain required records, reports, and reconcilements to ensure efficient customer service operations and audit compliance
• Other duties as assigned

Qualifications/Skills and Knowledge Requirements:

• High School Diploma or equivalent
• Ability to effectively utilize a computer and other standard office equipment
• Ability to effectively communicate orally and in writing
• Capable of performing basic math problems
• Must maintain a friendly, courteous and professional demeanor
• Customer service and cash handling skills required

Hillsboro, Ohio

Teller - PART TIME

Primary Duties and Responsibilities:

• Provide exceptional customer service, promote and cross sell a broad variety of bank products and services
• Process transaction for checking and savings (individual and commercial) accounts, time deposits, loans, club accounts, and safe deposit boxes
• Use Branch Capture to scan all items into the Bank's mainframe
• Provide other assorted services which include, but are not limited to: cashing checks, processing money orders, cashier checks, check orders, counting currency and coin
• Maintain and balance cash drawer, balance and service automatic teller machine, and assist with night deposits
• Manage vault operation to include ordering, balancing and maintaining cash at appropriate levels
• Maintain required records, reports, and reconcilements to ensure efficient customer service operations and audit compliance
• Other duties as assigned

Qualifications/Skills and Knowledge Requirements:

• High School Diploma or equivalent
• Ability to effectively utilize a computer and other standard office equipment
• Ability to effectively communicate orally and in writing
• Capable of performing basic math problems
• Must maintain a friendly, courteous and professional demeanor
• Customer service and cash handling skills required

Mount Orab, Ohio

Teller - PART TIME

Primary Duties and Responsibilities:

• Provide exceptional customer service, promote and cross sell a broad variety of bank products and services
• Process transaction for checking and savings (individual and commercial) accounts, time deposits, loans, club accounts, and safe deposit boxes
• Use Branch Capture to scan all items into the Bank's mainframe
• Provide other assorted services which include, but are not limited to: cashing checks, processing money orders, cashier checks, check orders, counting currency and coin
• Maintain and balance cash drawer, balance and service automatic teller machine, and assist with night deposits
• Manage vault operation to include ordering, balancing and maintaining cash at appropriate levels
• Maintain required records, reports, and reconcilements to ensure efficient customer service operations and audit compliance
• Other duties as assigned

Qualifications/Skills and Knowledge Requirements:

• High School Diploma or equivalent
• Ability to effectively utilize a computer and other standard office equipment
• Ability to effectively communicate orally and in writing
• Capable of performing basic math problems
• Must maintain a friendly, courteous and professional demeanor
• Customer service and cash handling skills required

Merchants National Bank is committed to providing unequalled customer service and work environment.  We’re an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.