Commercial Banker
FIRST COMMUNITY BANK (SC)
Augusta, GA
Position Summary
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(Other duties may be assigned.)
· 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 and deposit products, rates, procedures, etc.
· Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.
· Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations. Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/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. Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.
· Identify and analyze potential loan markets to develop commercial loan and deposit 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.
Qualifications
· Bachelor’s degree, or at least 5 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.
· Proficiency in using personal computers and office products (e.g., Word, Excel).
· Ability to underwrite and properly package a loan.
Certificates, Licenses, Registrations
· Attendance in SC Bankers School curriculum or similar course work preferred.
About the Company
FIRST COMMUNITY BANK (SC)
1st Community Bank opened its doors in Alice on February 7, 1983 under the name of First National Bank. In 1990, the Bank purchased La Hacienda Savings and Loan which had two branches, one in San Antonio and one in Corpus Christi. The San Antonio office was closed and the Corpus Christi office remained open under the name of First National Bank. In February 1990, the Bank was re-named 1st Community Bank, N.A. In 1995 a branch in Benavides, Texas was opened. Our Mortgage Division opened in 1996 and then yet another branch, which is located on Water Street in Downtown Corpus Christi, was added in 1998. 1st Community opened its 5th location in Kingsville in June 2000. In April of 2004, the decision was made to close the bank in Benavides and in June of 2004 a new bank was opened in Portland. The Alameda branch, the 7th location, was opened March 2007. The Island branch, the 8th location, was opened February 2008. In March 2014 the bank expanded into the Victoria, TX market. The Bank has seen continuous growth over the years, starting out at $32 million in assets in 1993 up to current $346 million today. The driving force behind 1st Community Bank’s success is the pride it takes in its employees. In November 1999 the Bank adopted an Employee Stock Ownership Plan, which means that the employees are actually buying stock in the Bank. With 78% eligible employee participation in the ESOP, customers can bank on the fact that the employees, who are now owners, will go that extra mile and that our customer’s needs are our 1st concern. Employee ownership is the driving force behind exceptional customer service and loyalty. We believe employee owned and operated is what sets us apart from the rest and gives a cutting edge in the banking industry. In June 2002, we converted from a National Bank to a State Charter. We have found that the Texas Department of Banking is uniquely designed to support our type of bank and our customers. Our motto is and will remain to be... We Make Banking Easy!