Commercial Banking Officer

ServisFirst Bank • Asheville, NC

2d

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 involves assessing client needs, building and maintaining client relationships, generating business, preparing and processing loan applications, and coordinating loan closing and funding. The officer must follow applicable compliance regulations and policies. Reasonable accommodation may be made to enable otherwise qualified associates or applicants with disabilities to perform the essential functions of the job. Additional duties and responsibilities may be assigned.

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.
• Experience working 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 as appropriate to client requirements.
• Respond to client phone calls, inquiries, and account requests within 24 hours.
• Provide ongoing relationship servicing to current clients to maintain goodwill and gain additional business.
• Network through community events, local Chambers of Commerce meetings, relationships with centers of influence, and client or prospect entertainment to strengthen relationships and generate sales.
• Develop client and prospect call lists to meet monthly call goals.
• Conduct 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 memoranda 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 payment issues, overdrafts, and related matters.
• Know and follow all compliance regulations and policies applicable to the position, and ensure compliance with them.

What This Job Offers

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