I am new to CCW and I have the same situation as yours. I wear my suit coat to and from the office and occassionally during in and out of the office meetings. However, at my desk I do not have the coat on. I do not like the way the IWB holster makes my suits look and I have not had any suits tailored to fit the IWB holster as has been suggested in other posts.
I tried the Smartcarry and it did not work for me.
I also have the deep concealment shoulder holster which I love. The downside is the time to draw. I am planning on getting some false buttons put on my shirts so that the button is replaced with a snap or velcro to expedite the draw should the need arise.
Another option will be to use a paddle holster that is removed and put in my desk during working hours. Based on my office set up, I think this is a workable solution.