Mortgage Loan Officer

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.

Named one of South Carolina’s
Best Places to Work

South Carolina Chamber of Commerce

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 regionof Georgia. Much like the success of our clients, it only underscores our belief in a measured approach and steadfast commitments to long-term 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.

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.

We offer attractive salary, insurance and retirement benefits packages.

First Community employees enjoy a generous paid time-off plan and a cultural emphasis on holistic wellness.

First Community offices are, above all else, fun and friendly working environments.

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

• 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.

Qualifications

• Bachelor’s degree, or at least 3 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…