Security Federal Bank jobs - 34 jobs

Interviews and takes applications for real estate loan applicants. Provides loan product information to interested mortgage applicants, interviews the applicants, reviews credit history, determines eligibility and provides loan pre-qualifications. Requirements Ideal candidate will have a minimum of 3-5 years mortgage origination experience and established relationships in the Augusta/Evans area business community. Prior experience in a bank environment is a plus, and commitment to integrity and community involvement is essential. Competitive salary and benefits package available. EEO Bi-lingual skills a plus.

This position partners with Wealth associates on the management of high net worth clients. Serves as the primary investment relationship manager to assist in client retention and relationship expansion. Acts as a liaison between the Capital Management Group (CMG) and clients in informing on investment policy development, asset allocation, performance analysis and reporting, and manager structure. Supports Wealth Management servicing and business acquisition goals through excellent client service, investment expertise, and portfolio management. May provide leadership or guidance to less experienced associates in the work group. #LI-MP1 Responsibilities * Portfolio Strategy - Reviews client portfolios to identify potential risk, propose changes, and ensure compliance with all applicable policies or procedures. Analyzes prospective client's current investments in order to recommend appropriate portfolios for their needs during the team-based sales process. Ensures necessary portfolio changes are implemented. * Relationship Development - Facilitates the management, satisfaction, and retention of existing clients through a variety of support tasks. Serves as the primary contact for client inquiries, review meetings, and investment updates. * Investment Expertise - Maintains a strong knowledge of our value proposition and investment philosophy. Serves as the client-facing expert on current market, economic and portfolio related topics. Explains the Bank's investment capabilities and conducts informational training sessions. Gives presentations to groups of clients & prospects on the economy, capital markets, and investing in order to retain and grow relationships. * Business Support - Partners with other associates on the development of new business opportunities. Utilizes investment expertise to quality prospects and support sales to high net worth clients. May provide oversight or guidance to less experienced strategists. Qualifications Bachelor's Degree and 8 years of experience in Selling Investment Services, Relationship Management, critical thinking OR High School Diploma or GED and 12 years of experience in Selling Investment Services, Relationship Management, critical thinking License or Certification Type: CFP or CFA designation Preferred Skill(s): Familiarity with investment software like Envestnet, Ability to communicate effectively and build strong partnerships Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Business Banker at First Citizens Bank you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals. Business Bankers develop and maintain an active prospect list, customer outreach plan and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships. Responsibilities In this role you will get to: * Make an impact by contributing to the growth of the bank through business loans, deposits and fee income. * Leverage your network to engage with local business owners and companies to develop business lending opportunities. * Represent the bank in the community by attending and participating in civic, community and networking events. * Engage in an efficient loan approval process with open communication and exposure to credit partners. * Be part of a collaborative team with various bank partners to support and deepen the full client relationship. Qualifications Bachelor's degree with a minimum of 4 years experience in business lending, credit or business development. * Or- High school diploma or GED with a minimum of 8 years experience in business lending, credit or business development. Additional Requirements: Business development experience Preferred Qualifications: Experience working with companies over 10MM annual revenue Established COI's and referral sources Financial analysis and credit underwriting skills Knowledge of business lending, deposit and cash management solutions Ability to provide financial guidance and expertise Sales planning and forecasting experience Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at **************************************** #LI-AM3

Are you a people person? Be a First Citizens person. Join our branch team and make a difference. The Sales and Service Representative is responsible for processing transactions and other customer service requests in the branch. Facilitates customer awareness and education of bank capabilities, tools, and resources. Supports the sales efforts of a branch team by identifying and referring sales opportunities to the appropriate bank partner. The successful candidate will demonstrate: Communication Skills - Interpersonal: Comfortable and confident with proactively engaging in conversation Customer Service Skills: Demonstrates professionalism and empathy in customer interactions Adaptability: Has the ability to learn and adapt quickly to new information and technology Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships Flexibility: Capable of handling multiple demands and can readily shift priorities to ensure work is done efficiently Agility: Able to process information and move quickly through problem resolution Responsibilities * The essential functions of the job include, but are not necessarily limited to, the following: * Engaging customers in conversation to understand their banking needs and preferences * Processing transactions accurately and efficiently * Providing assistance with account servicing needs * Facilitating customer awareness and education of bank services, including digital banking capabilities * Introducing customers to other branch team members or bank partners who are able to provide solutions for their financial needs Qualifications High School Diploma or GED and 0 years of experience in 6 months customer service Preferred Area of Experience: Sales Skill(s): Financial literacy, Knowledge of retail banking products and services Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Stable. Family. Opportunities. Unique. Whether First Citizens Bank has been established for 120+ years, or expanding its presence in your market, we invite you to be a part of our story. Our Financial Consultants serve as the subject matter experts in advising and selling investment opportunities to our mass affluent clients and prospects. You will get to foster and cultivate relationships with branch partners to help our clients enhance their financial goals with financial planning and investment strategies. You will focus on business develop and client prospecting to expand our investment relationship within a particular territory. If you are a highly self-motivated person that thrives as an individual producer in a team environment, our Financial Consultant position could be the perfect opportunity. Responsibilities * Sales - Promotes investment products and services through a variety of sales techniques. Utilizes a personalized planning based sales approach to understand client's goals and financial needs followed by recommending appropriate solutions. Actively and consistently partners with internal associates to generate referrals. * Client Service - Meets with clients and prospects to update client goals by leveraging financial planning Reviews investments, strategies, and goals on a regular basis to ensure effective wealth management. Provides ongoing client service to assigned accounts by answering inquiries, making recommendations, and monitoring goals. Utilizes investment proficiency to assist mass affluent individuals in managing their finance. * Risk Management - Ensures compliance with all applicable banking, investment, and legal regulations and policies. * Relationship Development - Develops and maintains strong relationships with mass affluent individuals to meet or exceed production goals. Identifies tools or methods to enhance personal service and referral performance. Works with Bank partners and external centers of influence to source new business opportunities. Qualifications Bachelor's Degree and 6 years of experience in Registered Securities Representative OR High School Diploma or GED and 10 years of experience in Registered Securities Representative License or Certification Type: Possess valid Series 7, 63, 65 or 66, and state-specific life and health insurance licenses Required Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at **************************************** #LI-BM1

Stable. Family. Opportunities. Unique. Whether First Citizens Bank has been established for 120+ years, or expanding its presence in your market, we invite you to be a part of our story. We're looking for people who want more than just a job - who want to make a difference in the communities where we live and work. As a Financial Sales Manager at First Citizens Bank, you will manage sales efforts and associates in a branch location and oversee branch operations, with the support of an operations specialist. This role engages in outbound calling activities to generate new business opportunities and drives accountability for proactive customer outreach with the branch sales team. You will leverage your team and your own expertise in consumer and small business financial needs. This position establishes banking relationships, extends credit and identifies referrals for specialty partners. Responsibilities Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Engage with customers, prospects and referral sources through proactive outreach. Represent the Bank in the community for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Team Management - Manage performance and personnel functions for a team, ensuring operational soundness while executing on a plan to deliver results that create value for the customer and meet the financial expectations of the bank. Drive accountability to role expectations, responsibilities and authorities, providing one on one feedback and coaching that supports associate development and achievement of results. Regularly and proactively leverage the expertise of bank partners, other managers or team. Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Operations and Administration- Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Qualifications Bachelor's Degree and 2 years of experience in Sales, customer service, or lending, or financial services sales, including supervisory OR High School Diploma or GED and 6 years of experience in Sales, customer service, or lending, or financial services sales, including supervisory License or Certification Type: Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided. Required, In cases where licensing is required, associates must complete the bank sponsored licensing program within 12 months of entering the role. Required, Must complete federal registration and annual renewal as required by the SAFE Act. Required Skill(s): Providing financial guidance and expertise, Financial literacy, Financial analysis, Knowledge of retail banking products and services, Business development, Networking and building centers of influence, Application of a structured sales process Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

The Wealth Consultant identifies, engages, acquires, and retains high net worth clients and prospects in holistic wealth management planning. Serves as a primary relationship manager for high net worth clients and families, while coordinating advice and activities with other members of the Wealth team. Determines and develops revenue-producing opportunities in multiple product lines to achieve growth and profitability goals through a diversified financial planning based approach. Serves as a Brand Ambassador by representing and promoting the Wealth line of business within the Bank and across the communities served. #LI-MP1 Responsibilities * Client Acquisition - Identifies and attracts new clients to the Bank's wealth offerings through direct prospecting efforts, client referrals, and by partnering with Bank associates. Builds and cultivates strategic partnerships with centers of influence to enhance acquisition efforts. Responsible for external networking and market development. * Relationship Management - Serves as a primary point of contact and advocate for high net worth prospects and clients. Maintains current knowledge and awareness of client circumstances, conditions, and overall relationship with the Bank to develop appropriate wealth plans. Represents the full services offering to clients, including investments, banking, financial planning, insurance, and trust services. Develops and executes a high-touch, client-centric experience to maintain and expand existing client relationships. Assists in the planning and facilitation of client events. * Strategic Advice - Provides prospects and clients with expert wealth management advice. Develops strategic, comprehensive, and long-range plans to achieve the financial needs and goals of high net worth clients. Identifies appropriate products, services, and solutions based on client needs, wants and goals. Engages other associates within the department to provide ongoing advice, products and services as the needs of clients evolve. * Collaboration - Fosters effective partnerships with Bank stakeholders to support departmental strategic approach. Engages with specialists from the broader business team to coordinate the delivery of wealth management products and services to clients. Qualifications Bachelor's Degree and 8 years of experience in Acquiring clients, Asset Gathering, and providing comprehensive Banking and Financial Planning advice OR High School Diploma or GED and 12 years of experience in Acquiring clients, Asset Gathering, and providing comprehensive Banking and Financial Planning advice Preferred Area of Experience: Client Acquisition, Asset Gathering, comprehensive Financial Planning, Banking, Investment Management, Insurance Planning, Trust & Estate Planning Preferred: Advanced Advisor/ Planning Designation Required License or Certification Type: Series 7, 65 or 66 licenses, and State Life & LTC Insurance License Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This position responsible for managing a team of support associates for business, commercial, or middle market bankers within a region or area. Oversees a team responsible for client service, loan documentation quality, operational issues, and other sales support functions. Manages risk by monitoring credit portfolios and support processes for operational and regulatory compliance. Provides guidance on loan servicing, regulatory compliance, and risk mitigation strategies for associate team. Identifies workflow inefficiencies and develops solutions to uphold performance and service standards within lending support functions. Responsibilities * Business Support - Manages a team that provides loan support, customer service, and sales support for bankers. Ensures that business and retail clients receive a high level of service and that quality standards are upheld. Identifies inefficiencies in support processes, and implements enhancements for staff performance. * Risk Management - Manages an assigned area's credit risk by monitoring loan portfolio performance. Ensures compliance in loan processing and operations with all applicable regulations, policies, and standards. Monitors portfolio reporting system and leads efforts to mitigate identified risks. Decisions complex client operational issues. Develops systematic action plans for ongoing improvement of risk management capabilities. * Loan Coaching - Trains commercial, business, and middle market banking associates on loan closing procedures and required documentation, loan servicing, government and bank regulations, and exception clearing practices. Partners with regional leadership on training initiatives and projects. * Managerial Functions - Establishes and monitors expectations to achieve company and regional goals. Makes appropriate changes to banking policies, procedures, and efficiencies in order to meet objectives. Manages the performance, training, and evaluation of assigned staff. Qualifications Bachelor's Degree and 4 years of experience in Bank Lending or Underwriting, Operations or Sales OR High School Diploma or GED and 8 years of experience in Bank Lending or Underwriting, Operations or Sales Preferred Area of Experience: Supervisory Skill(s): Proven skills in creation, design, and interpretation of sales reports Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Are you a people person? Be a First Citizens person. Join our branch team and make a difference. The Financial Services Specialist supports sales and service delivery in the branch. Builds and expands banking relationships through proactive customer outreach and customer service requests. This position is responsible for the fulfillment of deposit accounts, payment solutions, digital access products and lending; as well as identifying and referring sales opportunities to the appropriate bank partner. Adapts to the needs of the branch, providing customer service in both a transaction processing and sales role. Qualities of a successful candidate: Influence: Capable of building rapport with different personalities to drive positive results Sales Outreach: Self-starter that is disciplined enough to manage daily calling activity to achieve required results. Communication Skills - Interpersonal: Comfortable and confident with proactively engaging in conversation Customer Service Skills: Demonstrates professionalism and empathy in customer interactions Adaptability: Has the ability to learn and adapt quickly to new information and technology Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships Flexibility: Capable of handling multiple demands and can readily shift priorities to ensure work is done efficiently Agility: Able to process information and move quickly through problem resolution Responsibilities * The essential functions of the job include, but are not necessarily limited to, the following: * Proactively engaging customers in conversation about their financial needs * Opening deposit accounts, small loans and ancillary banking products * Facilitating customer awareness and education of bank services, including digital banking capabilities * Introducing customers to other branch team members or bank partners who are able to provide solutions for their financial needs * Processing transactions and other account servicing requests Qualifications Bachelor's Degree and 0 years of experience in Sales or customer service; or 6 months of experience in a customer support role at First Citizens Bank; or participation in a First Citizens career development program OR High School Diploma or GED and 2 years of experience in Sales or customer service; or 6 months of experience in a customer support role at First Citizens Bank; or participation in a First Citizens career development program Preferred Education: Bachelor's degree Preferred Area of Experience: Telephone sales License or Certification Type: Must possess a valid driver's license. Position may require driving to other offices, bank customers, etc. Bank car not provided. Skill(s): Application of a structured sales process, Providing financial guidance and expertise, Financial literacy, Knowledge of retail banking products and services Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This position is responsible for providing a consistent customer experience, opening, modifying and closing all types of deposit accounts and safety deposit box services; Assist customers with account reconciliation, research requests, check orders, wire transfers, and debit card while seeking opportunities to develop customer relationships and identify referral opportunities. Responsibilities also include actively promoting and growing all consumer credit products including real estate transactions; Assist customers in application process, gathering all required information for loan underwriting and communicating with customer throughout the credit process. This position will be universal, with full platform, vault custodian, cash-line and consumer lending responsibilities. Requirements * High School diploma or equivalent * Proficient computer skills and active engagement in the new technology * Excellent interpersonal communication and presentation skills (both written and oral) * Strong analytical and problem solving skills * Ability to derive innovative solutions * Demonstrate a "team" attitude toward the bank and coworkers * Successful completion of in-house training and orientation * Handle sensitive information of the bank and customers in confidence * Display a high degree of character and ethics * Represent the bank in a professional manner within the community * Professional dress and demeanor required * This position may require occasional travel to various locations for job related business * Register for NMLS# * Three years prior banking, sales, and/or customer service experience * Three years prior consumer lending experience * Ability to assist customers with digital banking offerings * Strong customer focus * Ability to handle multiple priorities simultaneously Bi-lingual experience a plus. Competitive salary and benefits package available. EEO. This is a 7-day banking branch so extended evening hours and rotating weekend work is required.

This position promotes, sells, and manages Treasury Management Services products and services to generate non-interest fee income for the Bank, focusing on clients of an advanced size and complexity. Responsible for new client acquisition and expansion of existing relationships through cross-selling and direct sales efforts. Determines client needs to prepare and deliver formal proposals, soliciting Treasury Services and other depository services, and assists in wider sales initiatives. Serves as secondary relationship officer for large commercial clients, influencing profitability of commercial prospects and customers. May provide guidance to less experienced associates in the work group. Responsibilities * Sales - Determines profitability of existing and prospective banking relationships, and assists in identifying appropriate clients to call. Conducts sales efforts and annual relationship reviews. Participates in pre-bid conferences, fact-gathering analysis, and follow-up calls to identify client needs and solicit new revenue. Mines for prospective cross-selling opportunities from the Bank's customer data bases. * Proposal Development - Prepares and presents formal written proposals for large corporate, municipal, and nonprofit bank relationships based on needs gathering. * Service & Support - Coordinates, supervises, and implements the setup of sales closings. Serves as ongoing secondary relationship contact for larger entities, assisting with inquiries, sales, and other general support. * Product Specialist - Educates retail, business, and commercial relationship managers on the Treasury Services concepts, products, features, and benefits. May serve as a general resource for branch associates through product and services knowledge. Qualifications Bachelor's Degree and 6 years of experience in Commercial Banking or Commercial Sales OR High School Diploma or GED and 10 years of experience in Commercial Banking or Commercial Sales Preferred Qualifications * Knowledge of TM Solutions * Knowledge of business' working capital cycle * Experience presenting proposals to clients * CTP (Certified Treasury Professional) * Ability to travel through out South Carolina and Augusta, GA Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

This is a hybrid role with the expectation that time working will regularly take place inside and outside of a company office. This position prepares closing documents to be provided to title or escrow companies. Reviews documents in loan files or records for accuracy, completeness, and compliance, and inputs information into loan origination systems. Verifies funding amounts, issues funding authorization or wire instruction, and reconciles amounts to various general ledger accounts. Responsibilities * Documentation - Generates, evaluates, and validates accuracy of closing documentation prior to sending to settlement agent. Calculates aggregate escrows and corresponds with settlement agent. Reviews HUD-1 settlement statements, hazard insurance policy, title binders, security instruments, and tax records for accuracy. Verifies that documentation is compliant with investor guidelines, legal guidelines, and Bank policy. * Closing Paperwork - Manages a pipeline of ready-to-close loans ensuring that closing packages are delivered prior to any closing deadlines. * Loan Support - Receives and inventories closed loan packages from attorneys. Sources, compiles, and reviews any missing loan documentation or information from parties involved in the loan process. Provides regular communication regarding corrections and loan status. May provide direction or guidance on advanced loan matters to less experienced associates. * Payment Processing - Reviews closing fee checks and ensures that checks are made payable to the appropriate parties. Prepares the general ledger guide sheet and forwards to accounting. Qualifications Bachelor's Degree and 0 years of experience in Mortgage loan closing OR High School Diploma or GED and 2 years of experience in Mortgage loan closing Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Stable. Family. Opportunities. Unique. Whether First Citizens Bank has been established for 120+ years, or expanding its presence in your market, we invite you to be a part of our story. Our Financial Consultants serve as the subject matter experts in advising and selling investment opportunities to our mass affluent clients and prospects. You will get to foster and cultivate relationships with branch partners to help our clients enhance their financial goals with financial planning and investment strategies. You will focus on business develop and client prospecting to expand our investment relationship within a particular territory. If you are a highly self-motivated person that thrives as an individual producer in a team environment, our Financial Consultant position could be the perfect opportunity. Responsibilities * Sales - Promotes investment products and services through a variety of sales techniques. Utilizes a personalized planning based sales approach to understand client's goals and financial needs followed by recommending appropriate solutions. Actively and consistently partners with internal associates to generate referrals. * Client Service - Meets with clients and prospects to update client goals by leveraging financial planning Reviews investments, strategies, and goals on a regular basis to ensure effective wealth management. Provides ongoing client service to assigned accounts by answering inquiries, making recommendations, and monitoring goals. Utilizes investment proficiency to assist mass affluent individuals in managing their finance. * Risk Management - Ensures compliance with all applicable banking, investment, and legal regulations and policies. * Relationship Development - Develops and maintains strong relationships with mass affluent individuals to meet or exceed production goals. Identifies tools or methods to enhance personal service and referral performance. Works with Bank partners and external centers of influence to source new business opportunities. Qualifications * Bachelor's Degree and 6 years of Financial Services experience OR High School Diploma or GED and 10 years of Financial Services experience * Must have valid Series 7, 63, 65/66, and State specific Life and Health Insurance licenses Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************

Forever Strong. What sets First Citizens apart? Strong leadership, enduring values and a commitment to helping people and businesses prosper. As a Business Banker at First Citizens you will carry on our tradition of developing and expanding relationships with business owners in your community to help them meet their financial goals. Business Bankers develop and maintain an active prospect list, customer outreach plan and quality referral sources for companies, on average, between $1-$10MM in annual revenues. They are the primary contact for borrowing needs and provide subject matter expertise for deposit and cash flow management. Business Bankers work with various internal partners to build and manage full banking relationships. Responsibilities In this role you will get to: * Make an impact by contributing to the growth of the bank through business loans, deposits and fee income. * Leverage your network to engage with local business owners and companies to develop business lending opportunities. * Represent the bank in the community by attending and participating in civic, community and networking events. * Engage in an efficient loan approval process with open communication and exposure to credit partners. * Be part of a collaborative team with various bank partners to support and deepen the full client relationship. Qualifications Bachelor's degree with a minimum of 2 years experience in business lending, credit or business development. * Or- High school diploma or GED with a minimum of 6 years experience in business lending, credit or business development. Additional Requirements: Business development experience Preferred Qualifications: Established COI's and referral sources Financial analysis and credit underwriting skills Knowledge of business lending, deposit and cash management solutions Ability to provide financial guidance and expertise Sales planning and forecasting experience Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at **************************************** #LI-AM3

Interviews and takes applications for real estate loan applicants. Provides loan product information to interested mortgage applicants, interviews the applicants, reviews credit history, determines eligibility and provides loan pre-qualifications. Requirements Ideal candidate will have a minimum of 3-5 years mortgage origination experience and established relationships in the Augusta/Evans area business community. Prior experience in a bank environment is a plus, and commitment to integrity and community involvement is essential. Competitive salary and benefits package available. EEO Bi-lingual skills a plus.

We are a strong, locally focused community bank with deep roots in the Aiken and Augusta markets. Our mortgage team plays a critical role in building relationships, supporting homeownership, and delivering exceptional service to our customers, referral partners, and communities. We are not a high-volume assembly line-and our processors are not paper pushers. We value knowledge, accountability, and pride in work. If you are someone who wants to understand loan products, guidelines, and the “why” behind the file-not just check boxes-this role may be right for you. Position Overview The Mortgage Loan Processor is responsible for managing residential mortgage loans from application through underwriting and into closing, ensuring accuracy, completeness, and compliance with bank policies and investor guidelines. This position requires strong customer service, analytical skills, organization, and the ability to work in a fast-paced lending environment. While prior mortgage processing experience is preferred, hands-on training will be provided for the right candidate who demonstrates aptitude, work ethic, and a willingness to learn. This is an in-person position with future remote flexibility. What We're Looking For A professional who takes ownership of their loans from start to finish Someone who enjoys learning loan programs and guidelines (FHA, VA, USDA, SC State Housing, Conventional, Portfolio) Strong communicator who can work confidently with borrowers, loan officers, attorneys, and realtors A team player who thrives in a collaborative, deadline-driven environment Someone ready to be challenged and grow within the mortgage industry Requirements Essential Duties & Responsibilities Set up and process residential mortgage loan files in accordance with bank policies, procedures, and investor guidelines Enter and maintain accurate loan data in the mortgage loan origination system (Encompass), ensuring a complete and organized paperless file Order and review third-party services including credit reports, appraisals, flood certifications, insurance, verifications, and other required documentation Analyze borrower credit, income, assets, employment stability, and property documentation to support loan eligibility and repayability Submit loan files to automated underwriting systems and investors as required Communicate proactively with borrowers to request documentation and guide them through the process Maintain consistent communication with loan officers regarding loan status, conditions, and timelines Follow up with attorneys, insurance agents, realtors, and other parties to ensure timely processing and closing Review underwriting approval conditions and work files through “prior to approval” and “prior to docs” requirements Prepare loan files for closing and ensure all conditions are satisfied prior to handoff Maintain accurate scheduling of loan closings and communicate promptly when timelines may be impacted Ensure accurate data entry for HMDA reporting Provide backup support for other processors as needed Participate in ongoing training to stay current on bank policies, investor guidelines, and program updates Comply with all Bank Secrecy Act (BSA) policies and procedures Qualifications & Skills To perform this role successfully, an individual must be able to perform each essential function satisfactorily. Education & Experience Mortgage processing experience preferred Banking or mortgage lending experience strongly preferred Willingness to learn and grow within the role is essential Technical & Professional Skills Strong analytical and organizational skills Excellent attention to detail and accuracy Ability to read, analyze, and interpret investor guidelines, regulations, and internal procedures Strong customer service and communication skills (written and verbal) Ability to manage multiple files and deadlines simultaneously Proficient with standard office equipment and basic PC applications Language, Math & Reasoning Skills Ability to interpret professional and regulatory documents Ability to calculate interest, percentages, ratios, and related figures Strong problem-solving and decision-making skills in situations with varying requirements Licensing & Requirements Valid driver's license NMLS registration (or ability to obtain, if applicable) Physical & Work Environment Primarily office-based with moderate noise level Requires standing, sitting, walking, lifting up to 15-20 pounds occasionally May require occasional extended hours to meet deadlines Why Join Us? In-person role with future remote flexibility for the right candidate Opportunity to grow within a respected community bank Supportive, experienced mortgage team Hands-on involvement in the full loan process-not just one piece A role where quality, knowledge, and service matter Competitive salary and benefits package available. EEO.

This position is responsible for providing a consistent customer experience, opening, modifying and closing all types of deposit accounts and safety deposit box services; Assist customers with account reconciliation, research requests, check orders, wire transfers, and debit card while seeking opportunities to develop customer relationships and identify referral opportunities. Responsibilities also include actively promoting and growing all consumer credit products including real estate transactions; Assist customers in application process, gathering all required information for loan underwriting and communicating with customer throughout the credit process. This position will be universal, with full platform, vault custodian, cash-line and consumer lending responsibilities. Requirements High School diploma or equivalent Proficient computer skills and active engagement in the new technology Excellent interpersonal communication and presentation skills (both written and oral) Strong analytical and problem solving skills Ability to derive innovative solutions Demonstrate a "team" attitude toward the bank and coworkers Successful completion of in-house training and orientation Handle sensitive information of the bank and customers in confidence Display a high degree of character and ethics Represent the bank in a professional manner within the community Professional dress and demeanor required This position may require occasional travel to various locations for job related business Register for NMLS# Three years prior banking, sales, and/or customer service experience Three years prior consumer lending experience Ability to assist customers with digital banking offerings Strong customer focus Ability to handle multiple priorities simultaneously Bi-lingual experience a plus. Competitive salary and benefits package available. EEO. This is a 7-day banking branch so extended evening hours and rotating weekend work is required.

This position is responsible for building full relationships with mass affluent clients through proactive outreach to an assigned book of business and referrals from bank partners. Strengthens and manages existing relationships through providing financial advice, partnering with investment and insurance specialists to provide goals based planning advice and services. Provides guidance and fulfills on loan and deposit needs, ensuring appropriate banking products and services are aligned to support the customer's financial goals. This position cultivates strong relationships with branch and business banking teams within a defined bank Area and/or specific market; as well, with mortgage, FCIS and other sales partners to build and manage full financial relationships. Responsibilities * Sales - Achieve individual and/or team financial, production and relationship results relative to the specific metrics and goals assigned. Sales results should align with the needs of the community and ultimately support the organizational commitment to diverse lending. Engage with customers, prospects and referral sources through proactive outreach. When appropriate, represents the Bank in the community by attending and participating in civic and community events for the purpose of generating additional business and identifying potential CRA opportunities for the Bank. Engage in sales practices that are aligned to create value for both the customer and the bank. Appropriate partnering, planning and preparation occurs to ensure conversations provide the relevant financial guidance needed to drive informed decisions. * Service Standards - Foster collaborative partnerships that deliver value for customers, prospects and colleagues. Initiate conversation to uncover sales or referral opportunities. Listen attentively and ask insightful questions to understand customer needs and preferences; and take prompt actions to address immediate needs. Proactively look for way to optimize performance by seeking coaching, supporting Bank initiatives and leveraging tools to enhance activities. * Operations and Administration - Comply with all regulations, bank policies, procedures and delegated authorities to manage risk related to credit, operational, reputational, regulatory and legal aspects of personal interactions, customer transactions and financial exposures. Complete required training by established deadlines. Perform general office management duties as assigned to ensure operational efficiency. Associates in roles defined to take deposits are accountable for transaction accuracy and operational efficiency of that function. The results may include an accountability for individual contribution as well as team performance. Qualifications Bachelor's Degree and 4 years of experience in Financial services relationship management, retail banking, private banking, or wealth management OR High School Diploma or GED and 8 years of experience in Financial services relationship management, retail banking, private banking, or wealth management Preferred Area of Experience: 2+ years in a licensed role License or Certification Type: Must have or acquire Series 6 or 7, 63, and state specific life insurance licenses within 120 days of hire date Required, Must complete federal registration and annual renewal as required by the SAFE Act. Required, Must possess a valid driver's license. Position requires frequent driving to other offices, bank customers, etc. Bank car not provided. Required Skill(s): Application of a structured sales process, Providing financial guidance and expertise, Financial literacy, Financial analysis, Credit underwriting, Knowledge of retail banking products and services, Business development, Financial plan conversations, Knowledge of securities products and services Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at **************************************** #LI-CC1

Are you a people person? Be a First Citizens person. Join our branch team and make a difference. The Sales and Service Representative is responsible for processing transactions and other customer service requests in the branch. Facilitates customer awareness and education of bank capabilities, tools, and resources. Supports the sales efforts of a branch team by identifying and referring sales opportunities to the appropriate bank partner. The successful candidate will demonstrate: Communication Skills - Interpersonal: Comfortable and confident with proactively engaging in conversation Customer Service Skills: Demonstrates professionalism and empathy in customer interactions Adaptability: Has the ability to learn and adapt quickly to new information and technology Teamwork: Strives to build strong working relationships with those on their team as well as cross-functional relationships Flexibility: Capable of handling multiple demands and can readily shift priorities to ensure work is done efficiently Agility: Able to process information and move quickly through problem resolution Responsibilities The essential functions of the job include, but are not necessarily limited to, the following: Engaging customers in conversation to understand their banking needs and preferences Processing transactions accurately and efficiently Providing assistance with account servicing needs Facilitating customer awareness and education of bank services, including digital banking capabilities Introducing customers to other branch team members or bank partners who are able to provide solutions for their financial needs Qualifications High School Diploma or GED and 6 months of experience in customer service Preferred Area of Experience: Sales, cash handling, retail banking Skill(s): Financial literacy, Knowledge of retail banking products and services Benefits are an integral part of total rewards and First Citizens Bank is committed to providing a competitive, thoughtfully designed and quality benefits program to meet the needs of our associates. More information can be found at ****************************************