Business Services Consultant

First Community Bank; Augusta (GA); On-site; USD 75,000 - 110,000; Full time

Job summary

First Community Bank is seeking a dynamic Business Development Officer to expand relationships with existing customers and prospect for new clients in the Augusta area.

You will respond to inquiries on loan and deposit products, assess credit, and present compelling sales proposals. The role requires sharp product knowledge, strong communication, and a proactive, self-starter attitude. This is a full-timeposition in our commercial banking team.

Qualifications

• Bachelor's degree or 5+ years related experience or an equivalent combination.
• Effective oral and written communication skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Basic problem-solving and analytical skills; interpret instructions in various formats.
• Attention to detail and well organized.
• Effective presentation skills; proficient with PC software (Word, Excel).

Responsibilities

• Be an ambassador to the bank, matching products and services to customer needs and prospecting for new customers.
• Respond to inquiries related to loan and deposit products, rates, procedures, etc.
• Be proficient in business services products (DDA, sweep analyses/proposals, BoB, HSAs, Merchant Capture, Payroll Cards, Positive Pay, Web ACH Editor).
• Demonstrate knowledge of loan products and services (real estate, construction, working capital lines, equipment, vehicle).
• Interview loan applicants and request information for credit decisions.
• Conduct credit analysis to support loan approvals within authority.
• Compile loan packages and negotiate loan structure and terms with applicants.
• Ensure loan documents comply with policy and are accurate.
• Prepare and present sales proposals and RFPs; participate in product training.
• Own customer problems to achieve resolution; identify improvements for services.
• Identify and analyze potential loan markets to develop prospects.
• Follow policies and regulations; coordinate with legal and operations for compliance.
• Support banking office operations; assist tellers and staff; approve transactions where appropriate.
• Promote bank via referrals using endorsed processes; engage in CRA reporting.
• Engage in community involvement and leadership within organizations.

Skills

Business banking

Credit analysis

Sales & prospecting

Customer relations

Product knowledge

Education

Bachelor's degree / equivalent experience

5+ years related experience

Tools

Word

Excel

Job description

Position Summary

Responsible for business development calls on existing customers and prospect for new customers relationships to grow cash management services and consumer and commercial loans.

Essential Duties and Responsibilities

(Other duties may be assigned.)

• Be an ambassador to the bank, matching products and services to customer needs, building relationships with existing customers, and prospecting for new customers. Requires the employee to be a self-starter and driven to achieve established goals.
• Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.
• Be proficient in the following products and services applicable to business services, including but not limited to: Business DDAs, Corporate and Personal Sweep Analyses/Proposals, BoB/Bill Payment, HSAs, Merchant Capture, Payroll Cards, Positive Pay, Web ACH Editor.
• Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.
• 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.
• Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.
• Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.
• Prepare and present comprehensive sales proposals, RFPs, and presentations to clients and prospects in addition to participating in and leading product training for various audiences.
• Assume ownership of customer problems to achieve resolution.
• Identify product improvements and solutions by communicating client and prospect needs, and by participating in the development of new services or modifications to existing services. products and services as appropriate for customer requirements.
• Identify and analyze potential loan markets to develop commercial and consumer loan and deposit prospects.
• 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.
• Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.
• 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.
• 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.
• 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.
• Attention to detail and well organized.
• Effective presentation skills. Proficiency in using personal computers and office products (e.g., Word, Excel).

FIRST COMMUNITY BANK (SC) is an EEO Employer - M/F/Protected Veteran Status