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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.

First Community Bank Logo Makr
Named one of South Carolina’s
Best Places to Work

South Carolina Chamber of Commerce

Man smiling while holding a Harvest Hope food bank box.
Three First Community Bank employees smiling while wearing Hawaiian leis at a party.
Bank president, Mike Crapps, smiling and posing with several FCB employees.
First Community Bank employees celebrating the banks 25th anniversary.
First Community Bank employees collecting school supply donations.
Commercial banker, James Heffner, talking to a student at Heritage Academy in Augusta.
Man smiling while holding a Harvest Hope food bank box.
Three First Community Bank employees smiling while wearing Hawaiian leis at a party.
Bank president, Mike Crapps, smiling and posing with several FCB employees.
First Community Bank employees celebrating the banks 25th anniversary.
First Community Bank employees collecting school supply donations.
Commercial banker, James Heffner, talking to a student at Heritage Academy in Augusta.
Est. 1995 Lexington, SC

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.

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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.

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Competitive Compensation

We offer attractive salary, insurance and retirement benefits packages.

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A Better Balance

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

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Connected Culture

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

Commercial Banker

Location: Augusta, GA

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.

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

·   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.


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.

·   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.

 

Certificates, Licenses, Registrations

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


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