Commercial Banking Officer

Job DescriptionJob DescriptionAt ServisFirst, Our Name is Our Mission. DUTIES AND RESPONSIBILITIESThe Commercial Banking Officer is responsible for developing new business, underwriting, structuring and the closing of commercial loans, as well as maintaining and servicing an existing portfolio. This Officer represents the Bank in the local community through active participation in community affairs and participates in marketing all of the Bank’s products and services. The incumbent will: Evaluate needs of potential clients and offer appropriate financial products, services and loansPromote and cross-sell other products and services as appropriate to client requirementsRespond to client phone calls, inquiries and requests regarding accounts within 24 hoursProvide ongoing relationship servicing with current clients to maintain goodwill and gain additional businessConduct networking activities such as community events, attending local Chambers of Commerce meetings, developing relationships with centers of influence and entertaining clients/prospects to enhance relationships and create new salesDevelop call lists of clients and prospects to meet monthly call goalsConduct warm and cold prospect calls in accordance with stated goalsGenerate new business to meet annual growth goalsPrepare and compile client information to open new accountsGather and analyze financial data to assist in determining the credit worthiness of potential clients for risk and underwriting purposesPrepare loan memos and documents to submit for loan approvalEnsure completeness and accuracy of loan documentationOversee timely closing and funding of loansInform and advise clients of status or enhancements to current account productivity and suggest resolution on account disputes and other account activityCoordinate and assist back office personnel in resolving credit problems, delinquent payment issues, overdrafts and other related affairsResponsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policiesNote: Reasonable accommodation may be made to enable otherwise qualified associates/applicants with disabilities to perform the essential functions of the job.Note: Additional duties and responsibilities may be assigned. MINIMUM QUALIFICATIONSBachelor’s degree in related field and minimum of three (3) years’ banking or financial services experience requiredExperience working directly with customers at all levels, from support staff to business owners and managersExcellent communication and presentation skills, as demonstrated by previous experience interacting with decision makers and influencersAbility to prepare/coordinate proposals, review proposals for accuracy and work productively through the underwriting processExperience working independentlyAbility to stay organized and multi-taskExperience using Microsoft Outlook, Word and Excel PHYSICAL REQUIREMENTS AND ENVIRONMENTAL CONDITIONSThe physical requirements and environmental conditions of this position consist primarily of:Sustained standing and sittingFrequent use of PC, including typing or sustained attention to monitorOccasional presentations requiring public speaking to small groupsOccasional lifting of basic office files or equipment up to 20 lbsNormal office environment with comfortable internal temperatures and low level noiseSome travel necessary for client/prospect meetings and networking eventsEOE/AA