FIRST COMMUNITY BANK
It’s bigger than banking.
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.
Named one of South Carolina’s Best Places to Work
South Carolina Chamber of Commerce
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.
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 markets, makes for a particularly high‑achieving workforce.
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.
Competitive Compensation We offer attractive salary, insurance and retirement benefits packages.
A Better Balance First Community employees enjoy a generous paid time‑off plan and a cultural emphasis on holistic wellness.
Connected Culture First Community offices are, above all else, fun and friendly working environments.
Mortgage Loan Underwriter Responsible for underwriting and evaluating residential mortgage loan applications originated by the bank’s Mortgage Lenders. Responsible for recommending loan approval of applications. Familiarity and experience with government and conventional loans.
Essential Duties and Responsibilities
Analyzes personal/business tax returns and financial statements in mortgage loan applications for underwriting. Review and evaluate loan documents to ensure accuracy, completeness, and compliance with bank standards, federal and agency standards and guidelines, as well as any applicable state‑specific and or local regulations, ordinances, etc.
Analyze customer’s loan to value ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
Evaluates loan risk and makes underwriting decisions on mortgage loan applications following bank policies and procedures, security guidelines, and complying with all federal, state and local regulations
Applies underwriting guidelines with the Bank’s investors and programs
Conduct credit review to ensure that granted loan approval is within Bank and Investor guidelines
Makes underwriting decision on each mortgage loan and recommends approval or denial
Must be able to work overtime as business needs require
Each loan will be sent through the automated underwriting system for approval
Assists Credit Admin with “portfolio approvals and exceptions”
Works closely with Processing and Closing to meet service levels
Minimize the number mortgage loans that cannot be sold into the secondary market and loans that require repurchase by paying close attention to all details of the underwriting process, regardless of which investor is anticipated to purchase the respective loan. (Goal is zero.)
Once “lending authority” is granted, approve mortgage loans within authority limits
Qualifications
Bachelor’s degree in finance or accounting, or minimum of 5 years of recent mortgage underwriting experience, or an equivalent combination of education and experience.
FHA DE and VA SAR designation required.
Knowledge of HMDA reporting requirements related to Underwriting
Knowledge and experience with all regulations and policies to ensure compliance
Experience with USDA, Bond, DPA, multi‑state, complex tax returns.
Ability to underwrite and properly package a loan.
Effective oral and written communication skills.
Superior analytical thinking and mathematical 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).
Excellent customer service and interpersonal skills.
Ability to work independently.
Self‑starter who is goal‑ and results‑oriented.
Ability to multi‑task using effective time management skills.
Ability to work in a team environment.
Systems experience, including with Encompass, preferred
Must be able to work overtime as business needs require
Familiarity with State Housing loans, preferred.
Online Apply online for specific job openings.
By Mail First Community Bank Attention: Career Opportunities P. O. Box 64 Lexington, SC 29071
Assistance is available for individuals with disabilities and those who need an alternative method for applying due to a limited ability or inability to use this online process.
First Community Bank offers a competitive salary, insurance and retirement benefits, a generous paid time off plan, and a stable and friendly working environment.
First Community Bank is an Equal Employment Opportunity employer.
First Community Bankers is a marketing name of First Community Bank, a South Carolina‑chartered bank.
#J-18808-Ljbffr
Named one of South Carolina’s Best Places to Work
South Carolina Chamber of Commerce
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.
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 markets, makes for a particularly high‑achieving workforce.
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.
Competitive Compensation We offer attractive salary, insurance and retirement benefits packages.
A Better Balance First Community employees enjoy a generous paid time‑off plan and a cultural emphasis on holistic wellness.
Connected Culture First Community offices are, above all else, fun and friendly working environments.
Mortgage Loan Underwriter Responsible for underwriting and evaluating residential mortgage loan applications originated by the bank’s Mortgage Lenders. Responsible for recommending loan approval of applications. Familiarity and experience with government and conventional loans.
Essential Duties and Responsibilities
Analyzes personal/business tax returns and financial statements in mortgage loan applications for underwriting. Review and evaluate loan documents to ensure accuracy, completeness, and compliance with bank standards, federal and agency standards and guidelines, as well as any applicable state‑specific and or local regulations, ordinances, etc.
Analyze customer’s loan to value ratio, credit report, application, income and assets, source(s) of down payment funds, and supporting documentation to identify potential fraud or misrepresentation.
Evaluates loan risk and makes underwriting decisions on mortgage loan applications following bank policies and procedures, security guidelines, and complying with all federal, state and local regulations
Applies underwriting guidelines with the Bank’s investors and programs
Conduct credit review to ensure that granted loan approval is within Bank and Investor guidelines
Makes underwriting decision on each mortgage loan and recommends approval or denial
Must be able to work overtime as business needs require
Each loan will be sent through the automated underwriting system for approval
Assists Credit Admin with “portfolio approvals and exceptions”
Works closely with Processing and Closing to meet service levels
Minimize the number mortgage loans that cannot be sold into the secondary market and loans that require repurchase by paying close attention to all details of the underwriting process, regardless of which investor is anticipated to purchase the respective loan. (Goal is zero.)
Once “lending authority” is granted, approve mortgage loans within authority limits
Qualifications
Bachelor’s degree in finance or accounting, or minimum of 5 years of recent mortgage underwriting experience, or an equivalent combination of education and experience.
FHA DE and VA SAR designation required.
Knowledge of HMDA reporting requirements related to Underwriting
Knowledge and experience with all regulations and policies to ensure compliance
Experience with USDA, Bond, DPA, multi‑state, complex tax returns.
Ability to underwrite and properly package a loan.
Effective oral and written communication skills.
Superior analytical thinking and mathematical 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).
Excellent customer service and interpersonal skills.
Ability to work independently.
Self‑starter who is goal‑ and results‑oriented.
Ability to multi‑task using effective time management skills.
Ability to work in a team environment.
Systems experience, including with Encompass, preferred
Must be able to work overtime as business needs require
Familiarity with State Housing loans, preferred.
Online Apply online for specific job openings.
By Mail First Community Bank Attention: Career Opportunities P. O. Box 64 Lexington, SC 29071
Assistance is available for individuals with disabilities and those who need an alternative method for applying due to a limited ability or inability to use this online process.
First Community Bank offers a competitive salary, insurance and retirement benefits, a generous paid time off plan, and a stable and friendly working environment.
First Community Bank is an Equal Employment Opportunity employer.
First Community Bankers is a marketing name of First Community Bank, a South Carolina‑chartered bank.
#J-18808-Ljbffr