Commercial Banker

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.

non-customer inquiries relative to loan and deposit products, rates,

procedures, etc.

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.

including consulting with tellers and customer service representatives and

granting officer approval of transactions as appropriate.

and, at times, take a leadership role in such organizations.

Qualifications

equivalent combination of education and experience.

calculations.

instructions furnished in written, oral, diagram, or schedule form.

products (e.g., Word, Excel).

Certificates, Licenses,

Registrations

School curriculum or similar course work preferred.

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

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