Retail & Business Banker

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 to include but not limited to deposit accounts.

• Be an ambassador to the bank, matching products,
  and services to customer needs, building relationships with existing
  customers, and prospecting for new customers. Requires the employee to be
  a self-starter and driven to achieve established goals.
• Interview loan applicants and request required
  information for determining a credit decision.
• Identify and analyze potential loan markets to
  develop commercial loan and deposit prospects.
• Work with and assist senior lenders on more
  complex loan transactions.
• 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 the appropriate lines of business within
  the bank for other product lines 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.
• Support the activities of the assigned banking
  office including consulting with tellers and customer service
  representatives and granting officer approval of transactions as
  appropriate and within authority.
• 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.
• 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.
• Attention to detail and well organized.
• Effective presentation skills.
• Proficiency in using personal computers and office products (e.g.,
  Word, Excel).

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