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

Deposit Sales Support Associate(Electronic Banking/Remote Deposit Review) – Administrative Office – Lexington, SC

Position Summary

This position is responsible for the daily review of Remote Capture Deposits and customer support for Internet Banking, ACH originations, Wire Transfers and Mobile Banking for customers.  Duties and responsibilities include:

  • Verifying imaged deposits for accuracy and compliance
  • Preparing documentation for management quarterly reports
  • Completing performance analysis of Cash Management customers including Wires, Remote Deposit Capture and ACH originations
  • Conducting periodic audits with Site-Visits to RDC customers
  • Cross-training for other positions in the Bank's Deposit Sales Support area

Qualifications Include

  • High school diploma or equivalent and 2 years of banking experience or an equivalent combination of education and experience.
  • Knowledge of Fiserv operating system a plus.
  • Attention to detail required.
  • Ability to meet deadlines and work under time constraints.
  • Knowledge of Excel and Word required.
  • Ability to sit in front of a computer for extended periods of time.
  • Ability to offer a high level of customer service.

Mortgage Loan Sales Support Manager

This position is responsible for managing the activities and operations of the mortgage loan sales support team including set-up, processing, pre-closing, closing, post-closing and quality control.

Duties and Responsibilities Include:

  • Develop and increase skill set and knowledge of all processing and closing staff
  • Recruit, hire and train qualified staff
  • Prepare and communicate annual performance appraisals and any necessary counseling and/or performance improvement plans (coach, develop and supervise staff)
  • Manage staff attendance and manage and approve overtime
  • Resolve personnel issues and ensure cohesiveness among staff
  • Plan for staffing by forecasting workload based on trending of pipeline
  • Coordinate work flow for staff, set work flow deadlines and ensure proper procedures are followed
  • Evaluate staff and processes to ensure loans are processed, closed and funded in complete accordance with bank, federal, state and regulatory standards
  • Provide input on new and/or existing processes, procedures and/or approaches and future enhancements and effectively communicate these to staff
  • Develop and implement operational documentation procedures, methods and systems
  • Oversee quality control processes
  • Maintain current working knowledge of all mortgage loan operational job functions in order to provide technical support or directions and ensure compliance with regulatory, investor and bank policies and procedures
  • Ensure proper underwriting and processing standards are implemented in order to safeguard bank assets and ensure conformity for investor standards
  • Stay abreast of trends in mortgage banking and financial industries
  • Partner with loan production to provide the highest level of customer service
  • Facilitate operational training to include pre-funding, compliance and quality control processes
  • Maintain a professional image and adhere to standards consistent with bank policies and procedures
  • Ensure quality customer service is provided to all internal/external customers
  • Monitor and ensure post-closing deficiencies are resolved in a timely manner
  • Independently isolate, define and determine a course of action on complex and financially sensitive closing and funding issues
  • Independently make decisions and lead special projects
  • Participate in the strategic planning discussions for the business unit and provide recommendations regarding future direction
  • Partner with leadership to establish and evaluate performance standards of the business unit
  • Identify, analyze and resolve operational problems; monitor and ensure compliance with productivity standards
  • Prepare monthly and quarterly reports as required

Qualifications:

  • Bachelor’s degree in Business or related degree and 10 or more years of mortgage related experience or an equivalent combination of education and experience
  • 5 or more years of experience managing a team of mortgage loan processors and closers
  • Current knowledge of RESPA, TILA, HVCC/AIR, MDIA, regulatory compliance and legal requirements
  • Working knowledge of retail lending, including identification of exposure and risk factors
  • Demonstrated ability to interact successfully with bank management and staff as well as realtors, sales agents, builders, appraisers, title companies, attorneys, investors, etc.
  • Proficient computer skills and superior knowledge of applicable software (Microsoft Office, Outlook, Calyx, etc.)
  • Strong problem solving and analytical skills
  • Effective oral and written communication skills
  • Effective interviewing skills
  • Excellent customer service and interpersonal skills
  • Ability to motivate team members to achieve high performance and results
  • Must be detail oriented, organized and work efficiently under pressure
  • Ability to multi-task; being able to easily respond to pressure situations and work productively in a fast paced environment
  • Knowledge of FHA, VA, USDA and Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions
  • High level of integrity and trust

Tellers – 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).

Marketing Associate

Position Summary

Responsible for assisting in the development and implementation of the bank’s marketing activities in advertising, promotion, sales, research, community involvement and new product introductions.

Essential Duties and Responsibilities (Other duties may be assigned.)

  •  Assist with development and implementation of overall bank marketing programs to meet corporate goals and enhance the bank’s public image. 
  • Assist the Director of HR/Marketing with the production of media, advertising and sales literature with advertising agency. (Agency liaison).
  •  Assist with in-house marketing efforts.
  •  Assist with the coordination of banking office openings and the bank’s participation in community events including coordinating event planning.
  •  Arrange for bank personnel’s involvement in bank, community and local school events.
  •  Assist in promoting the bank’s culture and image and in implementing a plan to communicate such, both internally and externally. 
  • Assist the Director of HR/Marketing to maintain budgets, schedules and tracking for all media campaigns and promotional materials for departmental reports.
  •  Process approved charitable donations.
  •  Oversee bank website and the accuracy of its content and coordinate modifications as needed with the appointed webmaster.
  •  Represent bank as needed during community projects and at public, social and business gatherings.
  •  Maintain level of technical knowledge through memberships in professional and banking associations and participation in various seminars and educational programs.
  •  Plan and implement research gathering and information projects relating to competitive analyses, demographics, product and service usages and customer satisfaction.
  •  Write and edit press releases and other internal and external communications as needed.
  •  Assist with special projects.

Qualifications

  •  Bachelor’s degree and 2 years of marketing experience or the equivalent combination of education and experience
  •  Effective oral and written communication skills.
  •  Ability to speak effectively before groups of employees of organization.
  •  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). Familiarity with report–writing or spreadsheet software preferred.

Human Resources Associate - Employee Relations

Position Summary

Responsible for the bank’s recruiting process, hiring and retention of a highly qualified workforce.

Essential Duties and Responsibilities (Other duties may be assigned.)

  • Maintain knowledge of legal requirements and government reporting regulations affecting human resources functions and ensure policies, procedures, and reporting are in compliance.
  • Implement and evaluate the bank’s policies and procedures on recruitment, testing, selection and job placement.
  • Responsible for posting job openings and developing outreach efforts for qualified applicants
  • Conduct interviews.
  • Conduct pre-employment checks.
  • Extend offers of employment.
  • Plan and conduct new employee orientation and onboarding efforts to foster positive attitudes toward company goals.
  • Keep records and prepare statistical reports concerning recruitment, interviews, hires, transfers, promotions and terminations.
  • Assist with performance and disciplinary issues
  • Analyzes statistical reports and other data using knowledge of job requirements, valid selection processes and legislation concerning equal employment practices in order to identify and determine causes of problems or inefficiencies in the employment function.
  • Responsible for reporting, including EEO1, Vets100 and Affirmative Action.
  • Maintain Bank’s corporate organizational chart and communicate updates to it.
  • Back up HR Associate – Administrative duties.

 

Qualifications

  • Bachelor’s degree in HR or related field and 5 years related job experience, or equivalent combination of education and experience.
  • Effective oral and written communication skills.
  • Ability to speak effectively before groups of bank employees.
  • Ability to compute basic to moderately complex math calculations.
  • Strong problem-solving and analytical skills. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
  • Quality control – Attention to detail.
  • Knowledge of basic accounting principles.
  • Time management skills
  • Ability to easily adapt to change
  • Ability to maintain strict confidentiality
  • Proficiency in using personal computers and office products (e.g., Word, Excel). Familiarity with report–writing or spreadsheet software preferred.

Commercial Credit Analyst

This position is responsible for analyzing and monitoring the credit worthiness of the bank’s customers.  Analyzes financial statements, tax returns and bank references to evaluate the financial condition of individuals and businesses applying for credit with the bank.  Recommends credit lines within the established bank guidelines.

Essential Duties and Responsibilities (Other duties may be assigned.)

• Obtains loan request information from Commercial Bankers or borrower to analyze credit information, financial statements and other related information pertaining to the loan.
• Spread financial statements for commercial lenders into Sageworks System.
• Reviews and prepares written analysis, spreadsheets, reports, summaries and recommendations based on risks, credit and collateral.  Assists in presentation of findings to lenders and /or loan committee.
• Understand the background of borrowers and be able to communicate the strengths and weaknesses.
• Prepare memos for financial analysis.
• Credit underwriting.


Qualifications
• Bachelor’s degree in Business, Accounting, Finance or related field and a minimum of 2 years of related experience in loan review or commercial lending; or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• Ability to speak effectively before groups.
• Ability to compute complex math calculations.
• Proven problem-solving and analytical skills.  Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
• Ability to prioritize.
• Effective time management skills.
• Proficiency in using personal computers and office products (e.g., Word, Excel).

Paralender (Commercial Loan Assistant) - Forest Acres Banking Office, Columbia, SC

This position is responsible for preparing loan packages based on receipt of loan worksheets and commitment letters from commercial 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, Census Tract, Secretary of State, etc).

Duties and Responsibilities Include:

  • Demonstrate proficiency in analyzing and interpreting loan requests and documents of varying degrees of complexity.  Consumer and commercial loan requests include various collateral, new loans, renewals with increases and modification agreements.
  • Interpret and apply Bank policies such as loan-to-value ratio, appraisal criteria, etc to loans.
  • Order and review loan documentation and notify commercial banker and retail bankers of any identified problems and issues.
  • 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).
  • Prepare month end reports for commercial bankers using system generated information.
  • 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 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 centralized 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 Include:

  • 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 - Lexington banking office - Lexington, 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.

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.

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.