Careers

Career Opportunities

Deposit Sales Support Associate- Lexington, South Carolina

Position Summary

This position is responsible for providing a high level of customer service, maintaining high quality work standards, and meeting deadlines pertaining to non-posts and returns.    This position will also be cross-trained for other positions in the Bank’s Deposit Sales Support area.

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

• Review stop pay maintenance entered on system
• Return stop pays from reports
• Return unauthorized ACH and paper drafts
• Resolve all non-posts for checking, savings, cds
• Manage NSF items and returns
• Review SSA and SSI death notices
• Work reclamations
• Review pre-notifications
• Assist with online banking customer service
• Balance GL and checking accounts
• Review wire transfers and ACH files
• Scan documents

Qualifications
• High school diploma or Equivalent and 2 years bank experience, or an equivalent combination of education and experience
• Ability to work independently with limited supervision
• Ability to problem solve
• Ability to multi task and manage priorities and deadlines
• Excellent organization and time management skills
• Proficiency in Excel
• Scanning experience

Commercial Loan Review Officer- Lexington, SC

Position Summary

Responsible for verifying the validity of the established loan system and performing various examinations of the Bank’s loan portfolio to determine overall accordance with Bank policy and approved lending limits, to review credit information to ensure loans are adequately supported, to identify, report and track problem loans, to analyze loan risk gradings and monitor levels of acceptable risk.

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

• Examine all loans presented at Senior Credit Committee monthly meetings to determine whether credit corrections are required and track accordingly.
• Examine loans under $100M and track corrections.
• Inspect all loans that are of a speculative nature and report them to Chief Risk Officer.
• Analyze Policy Exceptions Report to detect trends and lending concentrations.  Compile data into a report for Chief Risk Officer.
• Organize and conduct Quarterly Rated Loan Reviews of all loans risk-rated below Standard.
• Prepare and present Loan and Lease Loss Reserve Report including economic updates, loan migration analysis, and specific loan allocation analysis to the Loan Committee of the Bank Board of Directors.
• Assist Chief Risk Officer with the Annual Review of all loans $750M or greater.
• Make periodic, specific purpose examinations of the portfolios of specific lenders, industries, and loan classifications unilaterally and/or at the request of the Chief Risk Officer.
• Work with lenders to reduce/eliminate past due loans.
• Coordinate action plans for Bank’s loan workout portfolio including coaching lenders in different approaches to reduce unwanted Bank credit risk exposure.
• Assume primary account management responsibility in workout situations.
• Liaison with legal community in commercial loan collection scenarios.
• Coordinate Bank’s ongoing efforts to reduce financial statement exceptions.

Qualifications
• Bachelor’s degree and 10 years of related experience in loan review, commercial workouts, 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 maintain professional focus in highly adversarial environments.
• 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.
• Strong interviewing, negotiating, and coaching skills.

Qualifications – cont

• Working knowledge of the bankruptcy system.
• Proficiency in FDIC policies and procedures regarding commercial lending.
• Proficiency in

Electronic Sales Support Associate- Lexington, SC

Position Summary

This position is responsible for daily processing of various Electronic Banking functions including but not limited to Wire Transfer Processing, Online Banking, Bill Payment, ACH Processing, Positive Pay, Remote Deposit Capture and Mobile Banking functions for consumer and business customers.
 
Essential Duties and Responsibilities (Other duties may be assigned.)

• Customer Support including but not limited to:
o Wire/ACH Processing
o Online/Mobile Banking
o Bill Payment/People Pay
o Remote Deposit Capture/Mobile Deposit Capture
• Process requests for electronic transactions according to bank policy and procedures.
• Communicate any issues or concerns with First Community Bank personnel or directly with the customer depending on the type of issue and priority of the resolution.
• Work with various departments in the organization to assist customers and provide support for various services within the organization/department.
• Prepare audit documentation as required.
• Complete periodic reporting needed for tracking and monitoring Wire Transfers, ACH Processing, Remote Deposit Capture and other systems as needed for reporting to management.
• Cross-train for other positions in the bank’s Electronic Banking Sales Support area.
• Other duties as assigned.

 

Qualifications

• High school diploma or equivalent and 2 years Electronic Banking Operations experience, or an equivalent combination of education and experience.
• Knowledge of FIS operating systems and procedures.
• Attention to detail required.
• Ability to meet deadlines and work under time constraints.
• Detailed knowledge of computer software and hardware required.
• Ability to sit in front of a computer for extended periods of time.
• Ability to offer a high level of customer service.
• Polished written and oral communication skills.

Loan Sales Support Associate- Lexington, SC

Position Summary

Responsible for daily functions within Loan Sales Support, in the operations center of the Bank, which include processing and servicing of all loan types.

 

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

• Keying, verification and maintenance of loans.
• Demonstrate working knowledge of Bank loan products and procedures.
• Imaging of loan files and any additional documentation.
• Tracking and clearing of exceptions to bank policy and regulatory requirements.
• Reconciliation of loan general ledger accounts.
• Escrow processing.
• Collateral lien perfection and release.
• Monitoring of consumer credit reporting, including inquiry, research and disputes.
• Ability to respond knowledgeably to customer inquiries.
• Primary duties may differentiate based upon level of experience within the role.
• May be requested to assist in the support of other bank activities.

Qualifications
• High school graduate or equivalent and 2-3 years of experience in loan operations or an equivalent combination of education and experience.
• Exhibit attention to detail and accuracy.
• Proven problem-solving, critical thinking, and analytical skills.  Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
• Proficiency in using 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.

 

Deposit Sales Support Associate (Administrative Office)

Position Summary

This position is responsible for a variety of Deposit Sales Support functions and serves as backup for positions within the department.

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

• Reconciling General Ledger accounts
• Research and resolve General Ledger Reconciliation items
• Escheat Processing
• Ordering branch currency and foreign currency
• Researching requests and adjustments from customers and Bank personnel
• Review personal sweep set up.
• Foreign check collections
• Deposit Exception Item Processing (NSF, Non-post, Chargebacks, Stop Suspect Review, Large Dollar Review)
• Customer Transaction disputes ( ACH, Check Drafts, Forged Checks)
• Verified New Account Documentation ensuring all CIP requirements were met ( Demand Deposit, Savings, CD’s, IRA’s, Safe Deposit Box)
• Regulation D review
• 1099 reporting and making corrections to 1099’s for the Bank
• Providing backup to all other Deposit Sales Support Associates

Qualifications
• High school diploma or Equivalent and 2 years bank experience, or an equivalent combination of education and experience.
• Active knowledge and practice of generally accepted accounting principles.
• Effective oral and written communication skills.
• Ability to compute basic to moderately complex math calculations.
• Proficiency in using personal computers and office products (e.g., Word, Excel).  Familiarity with report-writing or spreadsheet software preferred.
• Ability to multi task and manage priorities and deadlines.
• Basic problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Tellers -Aiken, Lexington and Columbia, SC area Float Tellers

Position Summary

This position will provide teller coverage at various banking offices and 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.

Essential Duties and Responsibilities

• Ensure accurate and timely processing of basic teller transactions such as accepting deposits and loan payments, verifying cash and endorsements, cashing checks, taking large commercial deposits, cash advances, etc.
• Balance daily work in accordance with established Bank policies and procedures.
• Handle proportionate volume of work based on banking office demands to include WebCapture.
• Resolve customer  issues and problems in a professional manner or refer to appropriate staff to guarantee customer satisfaction and retention.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.

Qualifications

• High school diploma or equivalent required.
• Cash handling experience preferred.
• Effective oral and written communication 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)

 

 

Construction Loan Specialist - Columbia, SC

Position Summary

This position is responsible for primary contact with the customer for construction and construction to permanent mortgage loans.  This position will process the loan for underwriting and follow the process until closing of permanent loans. 

Essential Duties and Responsibilities (Other duties may be assigned.)
• Demonstrate knowledge of Bank construction/construction to permanent products and services.
• Process all construction and construction-perm transactions
• Facilitate the Builder Review process (obtain, verify, review and submit required information for approval
• Deliver Loan Commitment letter to borrower
• Manage construction funds – receive draw requests, calculate funds available for disbursement at each request and facilitate disbursements as directed, and tracks disbursement activity.
• Verifies and reviews building permits, foundation surveys, soil treatment letters (Termite), DHEC Septic Tank Approval (if applicable)
• Order construction inspections
• Obtains fully executed copy of the construction contract along with plans and specs.
• Pull Certificate of Good Standing
• Collects data per the Construction to Permanent Builder/Retailer Acceptance Checklist
• Manages the modification process for one-time close construction-permanent loan product
• Perform post-closing tasks (process checks received from closing agents.)
• Assume ownership of customer problems to achieve resolution.
Qualifications
• Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.
• Effective oral and written communication skills.
• 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).
• Excellent customer service and interpersonal skills.
• Ability to work independently.
• Ability to properly package a loan.
• Self-starter who is goal- and results-oriented.
• Ability to work with direction from supervisor.
• Ability to effectively multi-task in a close working environment.