Position Summary

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 (Other duties may be assigned.)

Salary Range: $15.00 to $16.00 per hour

Position Summary

Responsible for analyzing and monitoring the creditworthiness of the Bank’s customers.  Analyzes financial statements and tax returns to evaluate the financial condition of individuals and businesses applying for credit with the Bank.

·         Obtain loan request information from Commercial Bankers or Borrowers to analyze credit information, financial statements and other related information pertaining to the loan.

·         Spread financial statements for Commercial Bankers into the Abrigo/Sageworks System.

·         Review and prepare written analysis, spreadsheets, reports, summaries, and recommendations based on risks, credit and collateral.  Assist in presentation of findings to the Lenders.

·         Understand the background of Borrowers and be able to communicate, both in writing and verbally, the strengths and weaknesses of a credit.

·         Prepare memos for the Commercial Bankers, if needed

·         Credit underwriting.

·   Bachelor’s degree in Business, Accounting, Finance or related field or 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 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).

Position Summary

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 (Other duties may be assigned.)

Salary Range: $15.00 to $16.00 per hour 

Position Summary

   Greets customers and assesses needs to determine sales/service focus or referral to appropriate department.  Capable of completing the duties of a CSR and Teller.

·         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.

·         Ensure accurate and timely processing of basic teller transactions such as accepting deposits and loan payments, verifying cash and endorsements, cashing checks within approval limit or obtaining authorization as needed, issuing official 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 Teller Capture.

·         Resolve customer issues and problems in a professional manner or refer to appropriate staff to guarantee customer satisfaction and retention.

·         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.

·         Manage risk in every customer interaction and detect fraudulent transactions to prevent losses

·   High school diploma or equivalent required and a minimum of 2 years related job experience, or equivalent combination of education and experience.

·   Cash handling experience.

·   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).

Position Summary

 The Senior GGL Business Development Officer will drive growth and business opportunities by developing and maintaining relationships with key stakeholders, including small business owners, financial institutions, and community organizations. This position requires a deep understanding of Small Business Administration (SBA) and USDA products and services, as well as the ability to analyze market trends and identify opportunities to shape the future of the company's GGL lending portfolio.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Develop and implement strategic plans, such as marketing strategies and client acquisition plans, to increase GGL loans, deposit origination, and market share.

·   Educate small business owners about GGL loan products, eligibility requirements, and the application process.

·   Prepare and present proposals to potential clients, ensuring a thorough understanding of their business needs and how GGL products can meet them.

·   Prepare and present loan requests to credit administration and management.

·   Assume ownership of customer problems to achieve resolution.

·   Prepare reports and presentations for management on business development activities, results, and market insights.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes. This includes referrals to other lines of business, such as FCFC and Mortgage.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Build and maintain relationships with small business owners, including outreach to prospective clients and networking within the community.

·   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.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   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).

Position Summary

The Appraisal Coordinator will be responsible for ordering and reviewing valuations for consumer and commercial real estate loans and renewals. This may include appraisals ordered and completed by our appraisal management company or directly from an independent appraiser.  The Appraisal Coordinator is also responsible for completing the appraisal review checklist(s) and communicating with all internal stakeholders.

• Knowledge of relevant regulatory considerations and adhering to requirements set by applicable and relevant agencies for a complete appraisal
• Ordering and monitoring valuations in accordance with bank policy and relevant regulatory obligations
• Inquiring and monitoring quotes on appraisal orders, compliance fulfillment and delivery of appraisals within established timeframes
• Monitoring appraisals for utilization of reasonable and best use analysis, comparable sales and adjustments, as applicable or relevant
• Monitoring appraisals for any potential issues with the model valuation and assumptions of the appraisal
• Responsible for providing borrower(s) a copy of the appraisal in accordance with regulatory obligations
• Responsible for the process of appraisal receipts, invoice payments and reconciling related general ledger accounts
• Maintaining and updating the internal approved appraiser list
• Maintaining files for approved appraisers to include obtaining updated license and insurance information
• May be requested to assist in the support of other bank activities 

• Bachelor’s degree, or at least 3 years of related experience, or an equivalent combination of education and experience.
• 3-5 Years’ Experience with appraisals, preferred
• Proven problem-solving, critical thinking, and analytical skills.  Ability to interpret a variety of information furnished in written, oral, diagram, or schedule form.
• Strong organizational and time management skills.  Ability to prioritize.
• Ability to analyze processes for efficiency and/or improvements.
• Ability to compute basic to moderately complex math calculations.
• Excellent customer service and interpersonal skills
• Proficiency in using personal computers and office products (e.g., Word, Excel, Powerpoint); Experience with Excel is a must.

Position Summary

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 (Other duties may be assigned.)

Position Summary

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications.  Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan and deposit prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   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.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   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).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.

Position Summary

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

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer consumer inquiries relative to loan products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, equipment, vehicle, and personal loans.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   Manage and direct activities of banking office line staff.

·   Bachelor’s degree, or at least 10 years of related experience, 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 highly adversarial environments.

·   Ability to speak effectively before groups.

·   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).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.

Position Summary

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 (Other duties may be assigned.)

Position Summary

 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.

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

• 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.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

 Provide management support to Retail Banker in the supervision of the Tellers and Teller Supervisors in addition to completing the duties of a Customer Service Representative

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.  

·   Achieve all established operational and sales goals for the banking office, included but not limited to the Quarterly Audit Checklist, unscheduled teller audits, onboarding, DEL Report exceptions, and monitoring cash limits.

·   Handle customer service issues by conducting research, assuming ownership of customer problems, and providing follow-up status to customers.

·   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.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state, and local regulations.

·   Manage risk in every customer interaction and detect fraudulent transactions to prevent losses

·   Monitor office needs in the areas of supplies, equipment/facilities maintenance, courier runs, and shipments and respond in a timely manner.

·   Attend CSR and Retail Banker meetings. Use information from those meetings to prepare and lead monthly branch meeting.

·   Schedule and conduct individual meetings with each staff member. Discuss performance, progress toward accomplishing goals, setting new goals, training, or other needs they may have.

·   Conduct monthly office security checks including audit logs, bank inventory and keys/combos held in safe deposit box, disaster recovery materials, and updating the all-clear signal.

·   Maintain disaster recovery supplies and materials. Demonstrate proficiency working offline and retaining online and working in total disaster recovery mode.

·   Review/reconcile bills, assign appropriate general ledger account to them and promptly forward to appropriate person.

·   Consistently achieve individual sales goals.

·   Ensure adequate office coverage including peak traffic times by scheduling staff including making adjustments for PTO, training, emergencies, and out-of-office absences. Also communicate coverage needs with Branch Administration in a timely manner.

·   Create a team atmosphere and nurture staff in areas of cooperation, accountability, resourcefulness, efficiency, customer service, productivity, compliance, and security.

·   Prepare and deliver staff performance reviews by established deadlines including submitting all supporting documentation (e.g., yearly goals, training records, etc.)

·   Motivate staff to embrace cross-training and sales efforts.

·   May be required to perform other duties as assigned.

·   High school diploma or equivalent required and a minimum of 5 years related job experience, or equivalent combination of education and experience.

·   Customer service experience in retail sales environment required, banking experience preferred.

·   Managerial or supervisory experience required.

·   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.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).

Position Summary

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 (Other duties may be assigned.)

Position Summary

 This is an intermediate level finance/accounting position.  The position will have an active role in maintaining financial records, financial reporting, budget preparation and income/expense variance analysis.

·   Enter data for annual budget and prepare budgeted financial statements and ratios for bank and holding company. Develop and create Excel spreadsheets to assist in the budgeting, variance analysis, and reforecasting processes.  Provide guidance and support to other teams for annual budget and periodic budget variance analysis. Reconcile actual data in Budgeting software (Empyrean) to the general ledger.  Assist with the analysis of Empyrean output.     

·   Responsible for the monthly income and expense analysis to ensure financial accuracy. Communicate variances with other teams and ensure that support for variances is documented and received timely.

·   Assist with financial forecasting, reporting, accounting duties and operational metrics.

·   Complete CECL monthly import process, including reconciliation for all files and uploads needed.

·   Complete quarterly Call Report along with supporting documentation for each schedule.

·   Assist Finance Specialist with IntraFi reporting, balancing, funding, etc.

·   General ledger reconciliation preparation/review.

·   Write and generate H360 (IBM Cognos) reports. 

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.

·   Bachelor’s degree, or at least 5 years of related experience, or an equivalent combination of education and experience.

·   Advanced knowledge of Excel.

·   Demonstrated knowledge of budgeting and forecasting.

·   Ability to compute moderately complex math calculations.

·   Intermediate to advanced problem-solving and analytical skills.  Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

·   Effective oral and written communication skills.

Position Summary

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 (Other duties may be assigned.)

• Ensure accurate and timely processing of basic teller transactions such as accepting deposits and loan payments, verifying cash and endorsements, cashing checks within approval limit or obtaining authorization as needed, issuing official 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.
• 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.
• Opportunity for cross-training for Customer Service Representative and Teller Supervisor functions.

• 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.
• 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).

Position Summary

Position Summary

The Business Services Associate is responsible for delivering support to Business Services customers and assists the Business Services Consultants with preparing agreements and implementation documents, reporting and special projects. 

·   Be proficient in the following products and services:

•  Business DDAs
•  Business Services products – Business Online Banking, Business Mobile Banking, ACH, wire, remote deposit, Positive Pay, etc.

·   Internal support contact person for Business Services customers. Providing high-level customer support, product troubleshooting and training. Liaison between customer and other back-office departments for in-depth research and solutions.

·   Prepares agreements and implementation packages based on information provided by Business Services Consultants.

·   Manages customer self-assessments process, service implementation schedule and performs review of service implementation and limits for accuracy.

·   Maintains database of client lists, limits, conduct purged customers review, etc. for the Business Services department.

·   Promote business for the Bank by maintaining good customer relations, speaking with customers about service solutions, and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Associate degree, or at least 5 years of related experience, or an equivalent combination of education and experience.

·   Banking knowledge or expertise. Understanding of banking products, regulations, processes.

·   Ability to multi-task and support cross-functional teams. Must be able to provide support to internal business partners.

·   Effective oral and written communication skills.

·   Must possess general problem solving, analytical and research skills. Ability to interpret written and oral instructions.

·   Attention to detail, well organized, proactive and self-starter.

·   Proficiency in using personal computers and office products (e.g., Word, Excel).

Position Summary

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications.  Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan and deposit prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   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.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   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).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices.

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

• Demonstrate knowledge of Bank mortgage loan products and services.
• Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.
• Demonstrate familiarity with underwriting guidelines with all of the Bank's investors and programs.
• Support the Bank's CRA and Fair Lending initiatives.
• Interview loan applicants and request required information for determining a credit decision.
• Compile loan packages and facilitate negotiation of loan structures with applicants, including fees, loan repayment options, and other credit terms.
• Conduct credit analysis to support granting loan approval within guidelines from approving officer and/or outsourced investor guidelines.
• Identify and analyze potential loan markets to develop mortgage loan prospects.
• Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.
• Assume ownership of customer problems to achieve resolution.
• Serve as primary contact in responding to customer and non-customer inquiries relative to mortgage loan products, rates, procedures, etc.
• Engage in marketing efforts with realtors, builders and others to obtain new business.  Efforts include but are not limited to realtor open house luncheons, meeting with customers after hours, and calling and/or meeting potential customers during evening hours and on weekends per realtor request.

• Bachelor's degree preferred but not required.
• Minimum three years of residential mortgage lending is required.
• Effective oral and written communication skills.
• Effective interviewing skills.
• Ability to speak effectively before groups.
• 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.
• Self-starter who is goal- and results-oriented.

 Certificates, Licenses, Registrations

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, and assist in coordinating the closing of routine mortgage loans.  Examines, evaluates, and recommends approval of loan package.  Also promotes business for Bank by developing new residential mortgage business growth and cross-selling opportunities.

The majority of time worked is spent out of banking offices. 

Must be licensed with NMLS prior to hire or before any mortgage loan applications may be taken.

Position Summary

Responsible for soliciting, negotiating, underwriting, and coordinating the closing of routine consumer and commercial loans.  Examines, evaluates, and authorizes or recommends approval of customer loan applications.  Also promotes business for the Bank by developing new commercial and consumer business growth and cross-selling opportunities.

·   Interview loan applicants and request required information for determining a credit decision.

·   Conduct credit analysis to support granting loan approval within assigned lending authority or prior to requesting approval from a co-approving officer.

·   Ensure loan agreements and other pertinent documentation are complete and accurate according to policy.

·   Compile loan package and facilitate negotiation of loan structure with applicant, including fees, loan repayment options, and other credit terms.

·   Serve as primary contact in responding to customer and non-customer inquiries relative to loan and deposit products, rates, procedures, etc.

·   Demonstrate knowledge of Bank loan products and services including real estate, construction and development, working capital lines, equipment, and vehicle.

·   Follow bank policies and procedures, security guidelines, and comply with all federal, state and local regulations.  Includes coordinating with legal counsel and bank operating departments to ensure adherence to laws and regulations relating to new and/or revised bank products and services.

·   Assume ownership of customer problems to achieve resolution.

·   Promote business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services using Bank-endorsed techniques and processes.

·   Assist in attaining established Bank and branch goals through active participation in sales management and officer call programs.  Includes promoting and cross-selling other Bank products and services as appropriate for customer requirements.

·   Identify and analyze potential loan markets to develop commercial loan and deposit prospects.

·   Support the activities of the assigned banking office including consulting with tellers and customer service representatives and granting officer approval of transactions as appropriate.

·   Support the Bank’s CRA Officer by reporting CRA data.

·   Engage in community involvement and civic activities and, at times, take a leadership role in such organizations.

·   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.

·   Effective interviewing skills.

·   Ability to speak effectively before groups.

·   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).

·   Ability to underwrite and properly package a loan.

·   Attendance in SC Bankers School curriculum or similar course work preferred.