Deep Roots, Home Grown, Still Growing… We’re Hiring! First Southern Bank is rapidly expanding our community banking footprint. Our mission is to deliver valuable and tailored solutions to our broad family of customers in an environment of approachability and excellence. We are looking for a team member who is focused on delivering passionate and consistent excellence, being a great team player, and embracing a diversity of ideas.
First Southern Bank is looking for a Commercial Banking Officer to join our team in Florence! This individual will be responsible for promoting products & services focusing on deposit and loan relationships, underwriting, structuring, and closing of commercial loans as well as maintaining and servicing a commercial loan portfolio while adhering to the bank’s loan policy, and state and federal regulations.
Essential Duties and Responsibilities :
- Be proactive in outside sales calls, developing referral sources, and community engagement
- Drive new deposit development efforts for branch market
- Obtain and analyze financial information, including financial statements and credit histories to provide suitable loan and credit solutions
- Follow the loan policy and other guidelines in making loans
- Approve loans within specified limits or propose loan opportunities to the Loan Committee for proper approval
- Prepare financing proposals consistent with approval for presentation to customers
- Ensure timely loan closing and funding activities
- Manage loan portfolio including renewals and modifications
- Keep current with respect to all bank compliance requirements
- Maintain a positive working relationship with customers, bank staff, local professionals, and community organizations
- Maintain the highest level of confidentiality related to the bank, customers, board members and bank associate information
Requirements:
- Bachelor’s degree in business, finance, accounting, or related field
- 7+ years of retail banking and commercial lending experience, with a preference for existing experience within service area
- Communicate effectively and directly both verbally and in writing
- Ability to self-motivate – internal drive to achieve, produce, and develop
- Understand, interpret, and apply complex laws, rules and regulations as they apply to compliance in a financial institution
- Strong analytical and mathematical capabilities as well as understanding of credit underwriting and loan documentation
- Ability to read, analyze, and interpret policies, contracts, other legal documents as needed
