Commercial Banker

First Community Bank; Atlanta (GA); On-site; USD 60,000 - 90,000; Full time

Job summary

First Community Bank in Atlanta, GA seeks a loan officer/underwriter to solicit, underwrite, and close routine consumer and commercial loans. You will analyze credit, prepare packages, and negotiate terms to meet policy and regulatory requirements.

Responsibilities include interviewing applicants, performing credit analysis, coordinating documentation, cross-selling bank products, and ensuring accurate loan paperwork while maintaining relationships and CRA involvement.

Qualifications

• Bachelor's degree or 5 years related experience required.
• Strong oral and written communication skills.
• Effective interviewing abilities.
• Ability to speak before groups clearly and confidently.
• Basic to moderately complex math calculations.
• Analytical and problem-solving aptitude.
• Proficient with personal computers and Office apps.
• Underwrite and properly package a loan per policy.

Responsibilities

• Interview loan applicants and request information for credit decisions.
• Conduct credit analysis to support loan approvals within authority.
• Ensure loan docs are complete and accurate per policy.
• Compile loan packages and negotiate terms and fees.
• Serve as primary contact for loan and deposit product inquiries.
• Demonstrate knowledge of loan products including real estate, working capital lines, equipment.
• Follow policies, security guidelines, and regs; coordinate with legal counsel.
• Own customer problems to achieve resolution.
• Promote bank products and cross-sell to meet customer needs.
• Identify and analyze potential loan markets for growth.

Skills

Effective oral and written communic.

Effective interviewing skills

Speak before groups

Problem-solving & analytical skills

PC proficiency (Word, Excel)

Education

Bachelor's degree or 5+ years related experience

Job description

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.

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