Business Services Consultant

Position Summary

Responsible for business
development calls on existing customers and prospect for new customers
relationships to grow cash management services and consumer and commercial
loans.

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

* 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.

* Serve as primary contact in responding to customer and
non-customer inquiries relative to loan and deposit products, rates,
procedures, etc.

* Be proficient in the following products and services
applicable to business services, including but not limited to:

u Business DDAs

u Corporate and Personal Sweep Analyses/Proposals

u BoB/Bill Payment

u HSAs

u Merchant Capture

u Payroll Cards

u Positive Pay

u Web ACH Editor

*
Demonstrate
knowledge of Bank loan products and services including real estate,
construction and development, working capital lines, equipment, and vehicle.

*
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.

*
Compile loan
package and facilitate negotiation of loan structure with applicant, including
fees, loan repayment options, and other credit terms.

*
Ensure loan
agreements and other pertinent documentation are complete and accurate
according to policy.

*
Prepare and
present comprehensive sales proposals, RFPs, and presentations to clients and
prospects in addition to participating in and leading product training for
various audiences.

*
Assume ownership
of customer problems to achieve resolution.

*
Identify product
improvements and solutions by communicating client and prospect needs, and by
participating in the development of new services or modifications to existing
services. products and services as appropriate for customer requirements.

*
Identify and
analyze potential loan markets to develop commercial and consumer loan and
deposit prospects.

* 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.

* Support the activities of the assigned banking office
including consulting with tellers and customer service representatives and
granting officer approval of transactions as appropriate.

* 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.

* 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.

* 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).

FIRST COMMUNITY BANK (SC) is an EEO Employer - M/F/Protected Veteran Status


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