James H. Harper serves as Senior Vice President and Chief Credit Officer at ServisFirst Bancshares, Inc., overseeing the bank's comprehensive credit risk management, underwriting processes, and portfolio monitoring. With over 25 years of experience in commercial banking, Harper joined ServisFirst in 2010 after holding senior credit roles at prominent institutions such as AmSouth Bank and Regions Bank. His expertise spans commercial real estate, C&I lending, and regulatory compliance, where he has consistently driven strategies to mitigate risk while supporting business growth. Under Harper's leadership, ServisFirst has maintained exemplary asset quality metrics, even through economic downturns like the COVID-19 pandemic, achieving low non-performing loan ratios and strong credit loss provisions. His initiatives in enhancing credit analytics and implementing advanced risk modeling have been pivotal to the company's expansion, fueling over $15 billion in assets and earning accolades for superior risk management from industry analysts. Harper holds a Bachelor of Science in Finance from Auburn University and is actively involved in the Risk Management Association (RMA), where he contributes to peer education on best practices in credit administration. His strategic vision continues to position ServisFirst as a leader in prudent, profitable lending across the Southeast.