Retail Banker

Position Summary

Responsible for soliciting,negotiating, underwriting, and coordinating the closing of routine consumerloans. Examines, evaluates, andauthorizes or recommends approval of customer loan applications. Also promotes business for the Bank bydeveloping new consumer business growth and cross-selling opportunities.Manages banking office staff.

Essential Duties andResponsibilities

(Other duties may be assigned.)
• 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 consumer inquiries relative to loan products, rates, procedures,etc.
• Demonstrate knowledge of Bank loan products andservices including real estate, equipment, vehicle, and personal loans.
• 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 promoting andcross-selling other Bank products and services as appropriate for customerrequirements.
• 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.
• Manage and direct activities of banking office linestaff.

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.
• Demonstrated leadership skills.
• Ability to maintain professional focus in highlyadversarial environments.
• 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.

FIRST COMMUNITY BANK (SC) is an EEO employer - M/F/Vets/Disabled