First Community Bank – Market Executive
Location:
Camden
Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans. Examines, evaluates, and authorizes or recommends approval of customer loan applications. Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.
Essential Duties and Responsibilities
Interview loan applicants and request required information for determining a credit decision.
Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.
Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.
Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
Serve as primary contact in responding to customer and non-customer inquiries relative to loan products, rates, procedures, etc.
Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle financing.
Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Coordinate with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new or revised bank products and services.
Assume ownership of customer problems to achieve resolution.
Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs. Promote and cross-sell other Bank products and services as appropriate for customer requirements.
Identify and analyze potential loan markets to develop commercial loan prospects.
Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.
Support the Bank's CRA Officer by reporting CRA data.
Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.
Directly manage supporting paralender and carry out all related supervisory responsibilities.
Qualifications
Bachelor's degree, or at least 10 years of related experience, or an equivalent combination of education and experience.
Effective oral and written communication skills.
Effective interviewing skills.
Ability to speak effectively before groups.
Ability to compute basic to moderately complex math calculations.
Basic problem-solving and analytical skills. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Ability to underwrite and properly package a loan.
Proficiency in using personal computers and office products (e.g., Word, Excel).
Certificates, Licenses, Registrations
Attendance in SC Bankers School curriculum or similar coursework preferred.
Apply Online
Apply online for specific job openings.
Apply by Mail
First Community Bank
Attention: Career Opportunities
P. O. Box 64
Lexington, SC *****
Assistance is available for individuals with disabilities and those who need an alternative method for applying due to a limited ability or inability to use this online process.
First Community Bank offers a competitive salary, insurance and retirement benefits, a generous paid time off plan, and a stable and friendly working environment.
First Community Bank is an Equal Employment Opportunity employer.
First Community Bankers is a marketing name of First Community Bank, a South Carolina-chartered bank.
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