Description

HOA Regional Account Executive – First Century Bank, N.A.

First Century Bank, N.A. is a small, community bank headquartered in Commerce, Georgia but we are far from a traditional community bank. What sets us apart is our forward-thinking approach to growth, innovation, and technology integration. We operate at the intersection of traditional banking and modern financial solutions, offering a rare opportunity to work with emerging products while maintaining the stability of a well-established institution.

First Century Bank, N.A. is a trusted partner in the community association industry, providing tailored banking solutions designed for Homeowners Associations (HOAs) nationwide. With the resources of a full-service bank, First Century Bank, N.A. can help management companies and community associations fund projects and manage finances confidently.

This Role is Right for you if you Have: 

• A Bachelor’s Degree and at least 5 or more years of related experience or an equivalent combination of both education and experience.
• Proven success in sales and/or banking with a lending background.
• Detail-oriented, organized and creative problem solver.
• Familiarity with portfolio management and obtaining new business
• Experience with Salesforce is a plus.

What you will do:

• Proactively solicit new depository and lending relationships, focusing on community association management companies and their community associations.
• Build a network through targeted outreach and participation in industry events and trade shows.
• Keep open communications with industry resources to be informed of new, in-market -banking opportunities.
• Gather required information from Community Association Management Company or Community Association requesting loans from the Bank. Serve as the client’s primary point of contact throughout the loan life cycle.
• Guide HOA clients through:
  • Prequalification, eligibility checks and Term Sheet presentation
  • Full loan package collection
  • Evaluation of policy fit against Bank's HOA lending criteria
  • Coordination with underwriting, legal counsel, and internal teams from approval to closing and full funding.
• Maintain on-going and detailed knowledge of current FCB policies, procedures, and changes for HOA lending, consistent with State and Federal Regulations.

Portfolio Management:

• Regularly review portfolio and ensure appropriate maintenance of the relationship and servicing of existing deposit and loan portfolio. This would include regular contact with customers, deposit and loan growth, periodic site inspections for current funding loans, obtaining documentation, and portfolio servicing
• Assist with annual collection of loan covenant documentation.

Ongoing Loan Monitoring

• Work with Credit team to proactively monitor for red flags, such as rising delinquencies or budget issues that may impact repayment and the financial health of the association during the life of the loan

Deposit Relationship Support

• Support deposit growth through client acquisition for operating and reserve accounts from community association management firms or self-managed associations.
• Act as a liaison between clients and internal departments (New Accounts, Compliance, ACH) to gather documentation and facilitate seamless onboarding.
• Once accounts are opened, transition servicing responsibilities to the Customer Service teams.
• Conduct quarterly check-ins with clients to identify cross-sell opportunities or uncover potential issues.
• Performs such other duties as may be assigned or which inherently or logically belong with the position.

What’s in It for You:

• Remote work schedule
• Opportunity to shape and grow your portfolio
• Competitive salary, commission and bonus potential, and comprehensive benefits.
• A collaborative, team-oriented culture with a strong customer focused mindset.

First Century Bank, N.A. is an equal opportunity employer. It is the Company's policy to provide equal employment opportunity to all qualified persons without regard to race, color, sex, gender or gender identification, religious creed or religious beliefs, age, national origin, physical or mental disability, pregnancy, military or veteran's status, marital status, sexual orientation, or any other category protected by state or federal law.