Commercial Banker

First Community Bank; Augusta (GA); Sur place; USD 65 000 - 95 000; Plein temps

Résumé du poste

First Community Bank in Augusta, GA seeks an experienced loan officer to solicit, underwrite, negotiate and close routine consumer and commercial loans, while promoting business growth and cross-selling bank products.

The role emphasizes thorough credit examination, accurate documentation, and proactive client engagement within regulatory guidelines.

Qualifications

• Bachelor's degree or 5 years related experience, or equivalent combination.
• Excellent oral and written communication skills.
• Strong interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math.
• Proficiency with PCs and office software (Word, Excel).
• Ability to underwrite and properly package a loan.

Responsabilités

• Interview loan applicants and collect information for credit decisions.
• Conduct credit analysis to support loan approvals within authority or with a co-approving officer.
• Ensure loan agreements and documents comply with policy.
• Assemble loan packages and negotiate loan structures, terms, and fees.
• Serve as primary contact for loan and deposit product inquiries.
• Demonstrate knowledge of loan products and services (real estate, construction, working capital).
• Adhere to bank policies, procedures, and regulatory requirements; coordinate with legal counsel as needed.
• Own customer problems to achieve resolution and promote the bank's services.
• Help meet bank/branch goals through sales activity and cross-selling.
• Identify potential loan markets to develop prospects.
• Support branch operations and CRA data reporting.
• Engage in community involvement and leadership when appropriate.

Connaissances

Interviewing

Communication

Speaking before groups

Math calculations

Problem solving

PC proficiency

Underwrite loans

Cross-selling

Formation

Bachelor's degree or equivalent

Outils

Word

Excel

Description du poste

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