Regional Market President

FIRST COMMUNITY BANK (SC); Atlanta (GA); On-site; USD 110,000 - 160,000; Full time

Job summary

FIRST COMMUNITY BANK (SC) is seeking a senior Commercial Lending Manager to lead the market area's commercial lending efforts. You will oversee loan origination, credit analysis, underwriting, and coordination of closings for consumer and commercial loans.

The role requires strong leadership, deep knowledge of loan products, and a track record of developing market growth while ensuring compliance with applicable laws and regulations.

Qualifications

• Bachelor’s degree or 10+ years related experience, or equivalent combination.
• Excellent oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• Ability to compute basic to moderately complex math calculations.
• Proficiency in MS Word and Excel.

Responsibilities

• Interview loan applicants and collect information for credit decisions.
• Perform credit analysis to support loan approvals.
• Ensure loan documentation is complete and accurate per policy.
• Prepare loan packages and negotiate loan structure and terms.
• Serve as primary contact for loan inquiries from customers and prospects.
• Demonstrate knowledge of loan products including real estate, construction, working capital lines, equipment, and vehicle financing.
• Adhere to bank policies and regulatory requirements; coordinate with legal and operations staff.
• Own customer problems and drive resolution.
• Promote bank growth through referrals and cross-selling.
• Identify potential loan markets and prospects, supporting branch goals.

Skills

Effective oral and written comms

Effective interviewing skills

Public speaking

Math calculations

MS Office (Word, Excel)

Loan underwriting

Education

Bachelor’s degree or 10+ years related experience

Job description

Position Summary

Responsible for the management, direction and development of the commercial lending in an assignedmarket area. Provides leadership for the market are Commercial Bankers in theinterest of overall growth and development through soliciting, negotiating,underwriting, and coordinating the closing of routine consumer and commercialloans. Examines, evaluates, andauthorizes or recommends approval of customer loan applications.

Essential Duties and Responsibilities

• Interview loan applicants and request requiredinformation for determining a credit decision.
• Conduct creditanalysis to support granting loan approval within assigned lending authority orprior to requesting approval from a co-approving officer.
• Ensure loanagreements and other pertinent documentation are complete and accurateaccording to policy.
• Compile loanpackage and facilitate negotiation of loan structure with applicant, includingfees, loan repayment options, and other credit terms.
• Serve as primary contact in responding to customer andnon-customer inquiries relative to loan products, rates, procedures, etc.
• Demonstrate knowledge of Bank loan products andservices including real estate, construction and development, working capitallines, equipment, and vehicle.
• Follow bankpolicies and procedures, security guidelines, and comply with all federal,state and local regulations. Includescoordinating with legal counsel and bank operating departments to ensureadherence to laws and regulations relating to new and/or revised bank productsand services.
• Assume ownershipof customer problems to achieve resolution.
• Promote businessfor the Bank by maintaining good customer relations and referring customers toappropriate staff for new services usingBank-endorsed techniques and processes.
• Assist in attaining established Bank and branch goals through activeparticipation in sales management and officer call programs. Includes promotingand cross-selling other Bank products and services as appropriate for customerrequirements.
• Identify andanalyze potential loan markets to develop commercial loan prospects.
• Support the activities of the assigned banking officeincluding consulting with tellers and customer service representatives andgranting officer approval of transactions as appropriate.
• Support the Bank’s CRA Officer by reporting CRA data.
• Engage in community involvement and civic activitiesand, at times, take a leadership role in such organizations.
• Directly manage market area commercial lending staffand carry out all related supervisory responsibilities.
• Supports business growth through proactive depositcalling efforts, strengthening existing client relationships and uncovering newdeposit opportunities.
• Participates in deposit‑related outreach activities inalignment with established calling strategies and compliance guidelines.
• Generate qualified referrals to internal partnersacross multiple lines of business, contributing to integrated relationshipmanagement and revenue growth.
• Identifies potential client needs through routineinteractions and makes appropriate compliant referrals toapprovedotherlines of business.

Qualifications

• Bachelor’s degree, or at least 10 years of relatedexperience, 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 mathcalculations.
• Basic problem-solving and analytical skills. Ability to interpret a variety ofinstructions furnished in written, oral, diagram, or schedule form.
• Proficiency in using personal computers and officeproducts (e.g., Word, Excel).
• Ability to underwrite and properly package a loan.

Certificates, Licenses, Registrations

• Attendance in SC BankersSchool curriculum or similar course work preferred.