Experience

Morris Bank

• United States
• Banking
• 1 - 100 Employee

• Commercial Lender

  • Aug 2017 - Present

  Provide a complete and mutual beneficial banking relationship to our clients by providing an array of deposit accounts and commercial lending products to commercial real estate investors, medical professionals, residential real estate investors, hotel owners, apartment investors, owner occupied office facilities, and churches and religious facilities. Provide a complete and mutual beneficial banking relationship to our clients by providing an array of deposit accounts and commercial lending products to commercial real estate investors, medical professionals, residential real estate investors, hotel owners, apartment investors, owner occupied office facilities, and churches and religious facilities.



The Small Business Service Center and Reliable Global Systems

• Commercial Loan Consultant and Business Developer

  • Feb 2013 - Present

  The SBSC specializes in providing commercial loan consulting services and business development services for churches, for medical professionals, and business owners. After having worked in the banking industry for the past 27 years as a Senior Vice President and Commercial Lender in Middle Georgia, Steve Williams started The SBSC and RGS March 2013. Mr. Williams believes strongly in giving back to his community. He has served as interim President and CEO of the Robins Regional Chamber of Commerce Board in 2014, Chairman of the Robins Regional Chamber of Commerce, Chairman of the Middle Georgia Technical College Board, Chairman of the Robins Regional Educational Foundation Board, and Chairman of the Workforce Investment Board. Mr. Williams continues to serve on those boards and currently is a member on the Houston County Planning and Zoning Board, the 21st Century Partnership Board, the Museum of Aviation Board, the Mount de Sales Academy Board, the Flint Energies Nominating Committee, the 100 Black Men Organization and the Warner Robins Rotary Club. Mr. Williams attributes his success, first and foremost, to having faith and trust in God, to having positive business and spiritual mentors in his life, and to having the willingness to pass on success principles to others. His focus on servant leadership continues to be the foundation of his success and significance in life.Mr. Williams other attributes include: Strong leadership skills; Strategic thinker and planner with a natural flair for motivating and strongly influencing others in goal setting and achievement; Passionate and focused on details, leading to outstanding and effective results; A strong developer of business, leveraging contacts throughout the region, leading a cohesive team to achieve end results; Professional presentation skills that encourage, engage and inspire a standard of excellence.



State Bank and Trust

• United States
• Banking
• 100 - 200 Employee

• Sr Vice President and Commercial Lender

  • Aug 2010 - Feb 2013

  Responsible for credit underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; reviewing existing commercial portfolio and determining whether the bank should retain or transfer the client to the problem loan area; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the State Bank & Trust brand name; maintaining public relations within the Robins Region. Responsible for credit underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; reviewing existing commercial portfolio and determining whether the bank should retain or transfer the client to the problem loan area; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the State Bank & Trust brand name; maintaining public relations within the Robins Region.



CB&T Bank Of Middle GA

• Sr Vice President and Commercial Lender

  • Dec 2001 - Jul 2010

  Job Description: Responsible for underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the CB&T Bank brand name; and maintaining public relations within the Robins Region. Job Description: Responsible for underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the CB&T Bank brand name; and maintaining public relations within the Robins Region.



Colonial Bank

• United States
• Banking
• 400 - 500 Employee

• Vice President and Commercial Lender

  • Feb 2000 - Nov 2001

  Job Description: Responsible for underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; managing and operating the loan production office in Warner Robins; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the Colonial Bank brand name; and establishing public relations within the Houston County community. Job Description: Responsible for underwriting, structuring, negotiating, establishing, and developing commercial and construction loans; managing and operating the loan production office in Warner Robins; increasing revenue growth; reviewing and reporting financial and statistical information; business development; marketing the Colonial Bank brand name; and establishing public relations within the Houston County community.



Bank of America and acquisitions

• Market President and Senior Banking Executive

  • Feb 1995 - Jan 2000

  Job Description: Responsible for underwriting, structuring, negotiating, enhancing, establishing, and prospecting middle market relations; determining and recognizing client’s financial and operating strategies; recommending structure and credit strategies; increasing revenue growth; reviewing and reporting financial and statistical information; creating a positive and aggressive sales team within specified markets; business development and public relations; overall guidance and supervision of all lines of business in each of the markets within my geographic area of responsibility.