Commercial Banking Officer

ServisFirst Bank • Cornelius, 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 position evaluates potential clients’ needs and offers suitable financial products, services, and loans; develops client relationships; and works with internal personnel to support credit and account matters. The role requires familiarity with applicable compliance regulations and policies and adherence to them. Reasonable accommodation may be made to enable 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 or coordinate proposals, review them 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 other 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 generate additional business.
• Network through community events, local Chamber of Commerce meetings, relationships with centers of influence, and client or prospect meetings.
• 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 memos and documents for loan approval and 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 for 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 all applicable regulations and policies.

What This Job Offers

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