Careers
It’s bigger than banking.
On Purpose
On Advancement
On Support
Community First
Nurturing a joyous, collaborative work culture comes naturally when your mission is supporting those who make a community thrive. From Volunteer PTO days and group service opportunities to a workplace chaplain and regular employee appreciation events, a festive spirit permeates all the ways we work, play and serve.
Best Places to Work
South Carolina Chamber of Commerce
Stable from the Start
The steady start-up that began with a pair of offices in Forest Acres and Lexington has become a thriving organization with more than 250 employees and 21 banking offices across the Midlands, Upstate and Aiken areas of South Carolina and the Augusta region of Georgia. Much like the success of our clients, it only underscores our belief in a measured approach and steadfast commitments to long-term growth.
Groomed for Growth
Opportunities for advancement abound. The First Community Bank Leadership Institute offers a formal path for aspiring employees via an 18-month program of academic and experiential learning. This, along with an emphasis on day-to-day mentorship and promotion potential across multiple business lines and geographic markets, makes for a particularly high-achieving workforce.
We Believe
That everyone matters. That, when it comes to growth, a strong work ethic is as valuable as a shrewd financial eye. That honesty and integrity are the cornerstones of smart business. That excellence is a standard to be achieved, not a goal to be aspired toward. And that a spirit of service is essential to all we do.
Competitive Compensation
We offer attractive salary, insurance and retirement benefits packages.
A Better Balance
First Community employees enjoy a generous paid time-off plan and a cultural emphasis on holistic wellness.
Connected Culture
First Community offices are, above all else, fun and friendly working environments.
Commercial Loan Closer
Location: Lexington, SC
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.
- 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.
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