Business & Personal Lending Officer

Business & Personal Lending OfficerHelp People Succeed. Help Communities Grow.At FSCB, we're looking for a relationship-driven lender who enjoys helping individuals and businesses reach their financial goals. As a Business & Personal Lending Officer, you'll build trusted partnerships, provide lending solutions, and support the financial success of the communities we serve.What You'll DoBuild long-term relationships with consumers and business owners.Identify financial needs and deliver personalized lending and banking solutions.Originate and manage consumer, mortgage, and light commercial loans.Analyze financial information and make sound credit recommendations.Partner with internal teams to deliver a seamless customer experience.Grow loans, deposits, and referral opportunities while maintaining a strong credit culture.Monitor portfolio health and proactively support customer success.What Makes You SuccessfulStrong relationship-building and sales skillsFinancial and credit analysis experienceSound judgment and problem-solving abilityAttention to detail and regulatory compliance knowledgeA passion for helping customers and communities thriveWhy FSCB?Competitive pay and benefitsTeam-based variable compensation program401(k) with generous employer matchSupportive leadership and career growth opportunitiesA stable, community-focused organization where people come firstAt FSCB, you'll do more than make loans. You'll help families achieve milestones, support local businesses, and make a meaningful impact in the communities we call home.Ready to make a difference? Apply today and grow your career with FSCB.Bachelor's degree in business, finance, or a related field preferred but not requiredExperience in customer and light commercial banking, with demonstrated ability to originate, underwrite, and manage installment, real estate, and small business loan products and portfolios.Strong financial analysis skills, including evaluation of debt to income (DTI), loan to value (LTV), DSCR, credit reports, tax returns, basic balance sheet analysis, and basic cash flowProven ability to build long-term customer partnerships through consultative, relationship and needs based conversations, and a consistent, value driven sales approachSolid working knowledge of banking regulations and compliance requirements, including RESPA, HMDA, Reg Z, Reg B, CRA, BSA, and Flood Determination, and ability to interpret and apply organizational policies consistentlyExperience support loan portfolios post closing, including monitoring performance, addressing delinquency, coordinating escrow requirements, and maintain accurate and current documentation including, but not limited to, financial statements, tax returns, and other collateral monitoring reports.PHYSICAL REQUIREMENTSMust be able to remain in a stationary position for long durations (e.g., 6 to 8 hours with breaks).Occasionally required to stand or walk short distances.Manual dexterity for using keyboard, mouse, and telephone system.Visual acuity to read computer screens and written documents.Occasionally lifting office supplies, files and small packages (typically up to 10 to 25 lbs.)Ability to hear and understand spoken communication, including customer (internal and external) inquiries and phone conversations.Ability to speak clearly and be understood in person over the phoneAdditional InformationBeing a First Stater . . .Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means that you enjoy learning new skills and are always eager to improve. It means you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization.Do you have what it takes to be a First Stater?Make a Difference - Apply Now!First State Bancshares Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guide. #J-18808-Ljbffr First State Community Bank