Retail Banker

Responsible for soliciting,
negotiating, underwriting, and coordinating the closing of routine consumer
loans. Examines, evaluates, and
authorizes or recommends approval of customer loan applications. Also promotes business for the Bank by
developing new consumer business growth and cross-selling opportunities.
Manages banking office staff.

* 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 consumer inquiries relative to loan products, rates, procedures,
etc.

* Demonstrate knowledge of Bank loan products and
services including real estate, equipment, vehicle, and personal loans.

* 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 promoting and
cross-selling other Bank products and services as appropriate for customer
requirements.

* 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.

* Manage and direct activities of banking office line
staff.

* Bachelor's degree, or at least 10 years of related
experience, or an equivalent combination of education and experience.

* Effective oral and written communication skills.

* Effective interviewing skills.

* Demonstrated leadership skills.

* Ability to maintain professional focus in highly
adversarial environments.

* 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.

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