It's different here.

Quality and integrity in all endeavors

Mutual respect for our colleagues and their role in our success

Passionate focus on the customer experience


These are the core values upon which our bank was founded in 1995, and they form the cultural center of our organization to this day. It's a difference you can feel – from our employees to our board of directors. If you are interested in a career with First Community Bank, our current opportunities are listed below.


Named one of South Carolina's Best Places to Work

Equal Opportunity Employer




Career Opportunities

Tellers – Northeast Columbia, SC; Prosperity, SC; Blythewood, SC; Float staff

Position Summary

This position is responsible for providing quality transactions and efficiency to customers who prefer personal interaction with the bank.  Also responsible for proactively recognizing additional financial needs of customers and referring them to other bank staff as applicable.

Qualifications Include

  • High school diploma or equivalent required.
  • Cash handling experience preferred.
  • Effective oral and written communication skills.
  • Excellent customer service and interpersonal skills.
  • Demonstrate willingness and desire to interact in a team environment.
  • Ability to prioritize and multi-task.
  • Adaptability to change, including cross-training for Customer Service Representative and Teller Supervisor functions.
  • Ability to compute basic to moderately complex math calculations.
  • Basic problem-solving and analytical skills.
  •  Ability to interpret and follow a variety of instructions furnished in written, oral, diagram, or schedule form.
  • Proficiency in using personal computers and office products (e.g., Word, Excel).
  • Bi-lingual in Spanish (a plus).

Mortgage Loan Underwriter

This position is responsible for underwriting and evaluating residential mortgage loan applications originated by the bank’s Mortgage Lenders.  Responsible for recommending loan approval of applications.
Essential Duties and Responsibilities (Other duties may be assigned.)

Duties Include:

• Analyzes personal/business tax returns and financial statements in mortgage loan applications for underwriting
• Evaluates loan risk and makes underwriting decisions on mortgage loan applications following bank policies and procedures, security guidelines, and complying with all federal, state and local regulations
• Demonstrates underwriting guidelines with all of the Bank’s investors and programs
• Conducts credit review to ensure that granted loan approval is within Investor guidelines 
• Makes underwriting decision on each mortgage loan and recommends approval
• Must be able to work overtime as business needs require


Qualifications:

• Bachelor’s degree in finance or accounting, or at least 5-7 years of recent mortgage underwriting experience, or an equivalent combination of education and experience.
• FHA DE and VA SAR designation required.
• Experience with USDA, Bond, DPA, multi-state, complex tax returns.
• Effective oral and written communication skills.
• Superior analytical thinking and mathematical 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).
• Excellent customer service and interpersonal skills.
• Ability to work independently.
• Ability to underwrite and properly package a loan.
• Self-starter who is goal- and results-oriented.
• Ability to multi-task using effective time management skills.
• Ability to work in a team environment.

Paralender (Commercial Real Estate Loan Assistant) - Administrative Offices - Lexington, SC

This position is responsible for preparing loan packages based on receipt of loan worksheets and commitment letters from commercial bankers and retail bankers.  Preparation includes accurately completing loan documentation, ordering and reviewing title work, verifying insurance coverage, ordering and/or completing additional external documents (e.g., flood, appraisal, Census Tract, Secretary of State, etc).  Also coordinates with loan closing attorneys to ensure timely delivery of loan package.

Duties include:

• Order, review and approve title work for real estate loans and notify commercial banker or retail banker of any problems and issues related to title exceptions, property liens and encroachments, judgments, rollback and unpaid taxes, etc.
• Order, review and approve all outside appraisal requests received from commercial bankers, retail bankers, and branch paralenders.  Stay abreast of regulatory and compliance issues that impact appraisal process, specifically Uniform Standards Professional Appraisal Practice (USPAP).
• Review and approve all in-house evaluations.
• Demonstrate proficiency in analyzing and interpreting loan requests and documents of varying degrees of complexity.  Consumer and commercial loan requests include real estate and/or other collateral, collateral substitutions, new loans, loan modifications, and renewals with increases.
• Interpret and apply Bank policies such as loan-to-value ratio, appraisal criteria, etc to loans.
• Exhibit a working knowledge of general lending policies and practices.
• Prepare system-generated loan documents accurately based on information supplied by commercial bankers (e.g. loan worksheet, commitment letter, loan report, etc.) and, with regard to real estate loans, information received from closing attorneys, tax assessors, etc..
• Identify insurance policies accurately (e.g., hazard, collision, builders risk, workers comp, general liability, flood, etc.) and review policies to confirm adequate coverage for loan.
• Prepare and send wires and various Bank tickets to accompany loan packages to attorneys.
• Complete Documentation Checklist indicating received items and items that are pending, missing, incomplete and/or questionable.  Includes reviewing and verifying executed loan documents received from closing attorneys.
• Liaison with closing attorneys to deliver total loan package to be used at loan closing.
• Partner with commercial bankers, retail bankers and banking office paralenders to ensure that loan process is smooth and to resolve documentation and timing issues as necessary.
• Maintain customer service focus on internal and external customers to encourage positive business relationships.
• Stay abreast of regulatory and compliance issues that impact credit decisions and loan documentation including Fair Lending, HMDA, Credit Life, and Wolters Kluwer Financial Services resources.  Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.
• Demonstrate working knowledge of all Bank loan products and services.

Qualifications:
• High school diploma or equivalent and 5 years related experience; or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Ability to maintain professional focus.
• Ability to compute basic to moderately complex math calculations.
• Proven problem-solving, critical thinking, and analytical skills.  Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
• Exhibit attention to detail and accuracy.
• Proficiency in using personal computers and office products (e.g., Word, Excel).
• Excellent customer service and interpersonal skills.
• Strong organizational and time management skills.  Ability to prioritize.
• Demonstrate willingness and desire to interact in a team environment.

Customer Service Representative - Blythewood banking office - Blythewood, SC

This position greets customers and assesses needs to determine sales/service focus or referral to appropriate department.  Provides specific services to existing and potential customers such as account opening and/or maintenance, and purchases of CDs, HSAs and IRAs.

Duties Include:

Access customer needs for sales and/or services in a professional manner, determines best solution and clearly communicates that solution to the customer.  Answer questions regarding bank products and services while recognizing sales and referral opportunities.
Stay apprised of existing bank products and services including implementation of new ones.
Open deposit accounts including checking and savings, certificates of deposit, safe deposit box leases, HSAs, IRAs, etc.
Perform specific service transactions for customers including but not limited to reordering checks, making account name and address changes, granting access to safe deposit boxes, etc.
Handle customer service issues by conducting research, assuming ownership of customer problems, and providing follow-up status to customers.
Greet customers to ensure smooth traffic flow within banking office in order to provide efficient service.
Build customer relationships by using bank developed techniques and processes to better serve customers and the banking office team.  Be proactive in daily customer and prospective customer contact, either by phone or in person to identify financial needs, and initiate and/or strengthen relationships.
Support team sales process by identifying and acting upon customer needs or by making the appropriate referral.  Participate in team and individual sales goals.
Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.

Qualifications Include:

High school diploma or equivalent and 2 years customers service experience or the equivalent combination of education and experience.                                                        

Customer service experience in retail sales environment required, banking experience preferred.
Effective oral and written communication skills.
Excellent customer service and interpersonal skills.
Demonstrate willingness and desire to work in a team environment.
Ability to prioritize and multi-task.
Adaptability to change, including cross-training for Teller and Teller Supervisor.

Ability to compute basic to moderately complex math calculations.
Basic problem-solving and analytical skills.
 Ability to interpret and follow a variety of instructions furnished in written, oral, diagram, or schedule form.

Technical Trainer –Administrative Office – Lexington, SC

Position Summary

This position is responsible for training teller and customer service staff in the use of bank equipment, policies, procedures, customer service activities, cross-selling, and effective and accurate processing of customer account transactions.  Uses audio-visual programs, procedures and security manuals, and other training devices that may be developed in-house or from approved training sources.

Qualifications Include

  • Bachelor’s degree and at least 3 years proven training experience, or an equivalent combination of education and experience.
  • Proven training skills including facilitation, classroom management, and one-on-one and other instructional styles.
  • Proven problem resolution, conflict resolution, time management, and decision making skills.
  • Ability to analyze processes for efficiencies and/or improvements.
  • Thorough knowledge of all teller and customer service representative functions.
  • Effective oral and written communication skills.  Technical writing skills a plus.
  • Strong technical skills.
  • Excellent customer service and interpersonal skills.
  • Ability to motivate and generate enthusiasm among trainees.
  • Ability to travel as needed to banking offices for coverage and on the job training.

Send Us Your Résumé

First Community Bank
Attention: Career Opportunities
P. O. Box 64
Lexington, SC 29071
or
careers@firstcommunitysc.com

First Community Bank offers a competitive salary, insurance and retirement benefits, a generous paid time off plan, and a stable and friendly working environment.

First Community Bank is an equal opportunity employer and affords equal employment opportunities to all qualified persons without regard to race, color, religion, sex, national origin, age, marital status, genetic information, disability or protected veteran status.