Community First Bank is opening a loan production office in Concord, with Michelle L. Riley, vice president and city executive, at the helm. Concord is  the bank’s first location in North Carolina. Riley will cover Concord and the surrounding area, focusing on establishing and building new commercial banking relationships. The office will open March 1 at 300 McGill Ave. Riley’s banking experience includes more than 15 years in the financial services industry, primarily in commercial banking. She holds a degree in accounting from the University of Tennessee, where she also attended graduate school. Riley served as president of the Cabarrus Business Network and is active in the Cabarrus County United Way, Concord Rotary Club, Cabarrus Chamber of Commerce, and Big Brothers Big Sisters.  Community First has seven full-service banking offices and three loan production offices in Upstate South Carolina.