First Community Bank
  • 16-Jun-2022 to 30-Sep-2022 (EST)
  • Credit Administration (Corporate Center- Bluefield VA)
  • Bluefield, VA, USA
  • 32.23 Grade 12
  • Hourly
  • Full Time

Medical, Dental, Vision, Life Insurance, 401(k), Holidays, Vacation and Sick

At First Community Bank, we are committed to making our community, the places where we live and work, a better place each day. With a true focus on "community banking," employees find that they can make an impact through company-sponsored programs such as paid volunteer time, matching gifts for charitable contributions and team participation in charitable events. Through a comprehensive wellness program, employees, and their families challenge themselves to healthier lifestyles and receive the necessary motivation and tools. With over 40 locations in four states, First Community Bank offers competitive benefits and the personal service you would expect from a company that knows your community. We welcome all applicants and look forward to new colleagues joining our community!


The Commercial Underwriter II will understand the Bank's credit policies and procedures. Spread all types of business and personal financial statements using Baker Hill Statement Analyzer. Identify and understand the purpose of each loan request, credit structure, obligated parties, source of repayment, and collateral. Prepare written analyses for commercial loan requests for relationships or potential new credit opportunities with FCB aggregate credit exposure greater than $1,000,000, with emphasis on complex projects and borrowing relationships as determined by the Commercial Underwriting Director. Analyze historic and projected financial statements to accurately identify, interpret, and explain trends in operating performance, financial condition, and sources of cash flow. Research industry trends and risks and compare to industry benchmarks. Run and analyze individual credit reports. Analyze collateral, including real estate, accounts receivable, inventory, and equipment. Develop a global cash flow analysis for all entities and individuals of the specific credit. Analyze credit information to assign risk ratings, identify exceptions, and make recommendations for conditions of approval in accordance with applicable laws, regulations and guidelines, and the Bank's Commercial Credit Policy.


  • Bachelor's degree in Business, Finance, or Accounting and/or equivalent work experience
  • Five or more years of prior lending, credit experience, or exposure to a lending environment
  • Related profession designations, such as Certified Public Accountant, and/or advanced degrees preferred
  • Be a self-starter with the ability to perform detailed financial analyses with minimal supervision while effectively communicating with the Commercial Underwriting Director and market staff
  • Effective analytical and problem solving skills, oral and written communication skills, and organizational and time management skills
  • Ability to react quickly in a dynamic and changing environment
  • Ability to effectively utilize computer technology with proficiency in all software applications utilized by FCB
  • Ability to sit in front of a computer for extended periods of time
First Community Bank
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