Market Executive

Position Summary

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

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

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

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

  * 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 attaining established Bank and branch goals through active
  participation in sales management and officer call programs. Includes promoting
  and cross-selling other Bank products and services as appropriate for customer
  requirements.

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

  * 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.

  * Directly manage supporting paralender and carry out
  all related supervisory responsibilities.

Qualifications

• * 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.

  * 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.

  * Identify and analyze potential markets to
  develop commercial loans and deposit prospects

Certificates, Licenses, Registrations

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