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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.

Construction Lending Administrator

Location: Lexington, SC

This position will be responsible for managing all aspects of a closed residential mortgage construction loan all the way up to its modification or refinancing into a permanent loan. 

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

  • Builder vetting:
    • Begin interfacing with a new builder to obtain all documents required to vet and approve a builder. Present the builder approval package to Manager of Mortgage Operations for approval.
    • Maintain a log and record of all approved/excluded builders with an objective to re-vet a builder as required.
  • Draw management:
    • Introduce self to a builder’s draw request personnel and serve as a single point of contact at First Community Bank (FCB) for all draw related matters.
    • Initiate inspection request upon receiving a draw request.
    • Track and monitor SLA(s) of each inspector with a view to terminating those failing to adhere to them.  
    • Track, monitor and report on draw turn times with an objective to maintain tight SLAs to enable FCB’s MLOs to highlight our expedited draw times as a key value proposition when soliciting new builders for business.
    • Post the draw amount on Horizon while adhering to a strict SLA.
    • Calculate each draw amount with 100% accuracy.
    • Engage an MLO as an escalation/clarification on an exception basis as required.
  •  Maturing loans and Modifications:
    • Track, monitor and report construction loans while in their project phase to alert the Operations Manager on loans nearing maturity period with less than expected completion percentage. Process the loan extension agreement as required and monitor it until the home’s completion.  
    • Engage the modifications expert on the team to provide them a line of sight to homes nearing completion so that they can begin the modification phase.
  • Monitoring, Tracking and Reporting working reports and management reports pertaining to draws, inspections and modifications.

Qualifications

  • Bachelor’s degree in business, accounting or related field and 3 to 5 years of residential mortgage banking experience, or an equivalent combination of education and experience.
  • Strong problem-solving skills.
  • Excellent verbal/ written communication skills.
  • Ability to compute moderately complex math calculations.
  • Proficiency in Built, Encompass, Microsoft Excel, Word and FIS/Horizon.

 


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