Commercial Banking Officer

ServisFirst Bank•Charlotte, NC

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 participation in community affairs and markets the Bank’s products and services. The role involves evaluating prospective clients’ needs and recommending financial products, services, and loans; promoting and cross-selling relevant offerings; responding to client inquiries within 24 hours; and servicing existing relationships to maintain goodwill and generate additional business. The Officer conducts networking and prospecting activities, develops call lists, makes warm and cold prospect calls, and generates business to meet annual growth goals. The Officer gathers and analyzes client financial information for creditworthiness, risk, and underwriting purposes; prepares loan memos and documentation for approval; ensures loan documents are complete and accurate; and oversees timely loan closing and funding. The role also includes opening accounts, advising clients about account status and productivity, helping resolve account disputes and other activity, coordinating with back-office personnel on credit problems, delinquent payments and overdrafts, and complying with applicable regulations and policies. The position is primarily based in a normal office environment and requires some travel for client and prospect meetings and networking events. Reasonable accommodation may be made for qualified associates or applicants with disabilities to perform the essential functions. 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 interactions with decision makers and influencers.
Ability to prepare and coordinate proposals, review them 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 prospective clients’ needs and offer appropriate financial products, services, and loans.
Promote and cross-sell products and services suited to client requirements.
Respond to client phone calls, inquiries, and account requests within 24 hours.
Service existing client relationships 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 entertaining.
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 prospective clients’ creditworthiness for risk and underwriting purposes.
Prepare loan memos and documents for loan approval.
Ensure loan documentation is complete and accurate.
Oversee timely closing and funding of loans.
Inform and advise clients about account status or enhancements to account productivity, and suggest resolutions to 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 comply with applicable compliance regulations and policies.