Commercial Banking Officer

ServisFirst Bank • Cornelius, NC

3d

About The Position

The Commercial Banking Officer develops new business; underwrites, structures, and closes commercial loans; and maintains and services an existing portfolio. The Officer represents the Bank in the local community through active participation in community affairs and markets the Bank’s products and services. The role evaluates potential clients’ needs and offers appropriate financial products, services, and loans, while building and maintaining client relationships and generating new business.

Requirements

• Bachelor’s degree in a related field.
• At least three years of banking or financial services experience.
• Experience working directly with customers at all levels, from support staff to business owners and managers.
• Excellent communication and presentation skills, demonstrated through prior interaction with decision makers and influencers.
• Ability to prepare and coordinate proposals, review proposals for accuracy, and work productively through the underwriting process.
• Ability to work independently.
• Ability to stay organized and multitask.
• Experience using Microsoft Outlook, Word, and Excel.

Responsibilities

• Evaluate potential clients’ needs and offer appropriate financial products, services, and loans.
• Promote and cross-sell products and services according to client requirements.
• Respond to client phone calls, inquiries, and account requests within 24 hours.
• Service existing client relationships to maintain goodwill and generate additional business.
• Network through community events, local Chambers of Commerce meetings, relationships with centers of influence, and client or prospect entertainment.
• Develop client and prospect call lists to meet monthly call goals.
• Make warm and cold prospect calls in accordance with stated goals.
• Generate new business to meet annual growth goals.
• Prepare and compile client information to open new accounts.
• Gather and analyze financial data to assess potential clients’ creditworthiness for risk and underwriting purposes.
• Prepare loan memos and documents for loan approval.
• Ensure loan documentation is complete and accurate.
• Oversee timely loan closing and funding.
• Inform and advise clients about account status or enhancements to account productivity, and suggest resolutions to account disputes and other account activity.
• Coordinate with and assist back-office personnel in resolving credit problems, delinquent payments, overdrafts, and related matters.
• Know and comply with applicable compliance regulations and policies, and ensure compliance with them.
• Represent the Bank in the local community and participate in marketing the Bank’s products and services.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level