Commercial Banking Officer

ServisFirst Bank • Charlotte, 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 participation in community affairs and markets the Bank’s products and services. The role evaluates potential clients’ needs and recommends suitable financial products and services, builds and maintains client relationships, generates new business, analyzes financial information for underwriting, prepares loan documentation, and coordinates loan closing and funding. The officer also works with back-office personnel to resolve credit, delinquency, overdraft, and other account matters and follows applicable compliance regulations and policies. Reasonable accommodation may be made for otherwise qualified associates or applicants with disabilities to perform essential job 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 interaction 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 potential clients’ needs and offer appropriate financial products, services, and loans.
• Promote and cross-sell products and services based on client requirements.
• Respond to client calls, inquiries, and account requests within 24 hours.
• Service existing client relationships to maintain goodwill and develop additional business.
• Participate in networking and community activities, including local Chamber of Commerce meetings, and build relationships with centers of influence, clients, and prospects.
• 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 memoranda and documents for loan approval.
• Ensure loan documentation is complete and accurate.
• Oversee timely loan closing and funding.
• 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 follow applicable compliance regulations and policies and ensure compliance with them.

What This Job Offers

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