**City President** **Job Details** **Job Location** Cleveland Branch - Cleveland, TN **Description** **BASIC FUNCTION:** Promote and actively develop business and customer relationships within the community assigned to. In charge of creating effective business plans to generate more revenue, increase brand loyalty, and improve customer satisfaction. Evaluate, authorize, or recommend approval of commercial and/or consumer loans. Advise borrowers on financial status and payment methods. **ESSENTIAL FUNCTIONS:** + Meet with applicants to obtain information for loan applications, complete information on loan forms and answer questions about the process. + Analyze the applicants financial status, credit history, and any collateral available including the use of property evaluations to determine feasibility of granting or denying loans and evaluating the degree of financial risk. + Obtain and compile copies of the loan applicants credit histories, corporate financial statements, and other financial information for proper documentation. + Explain to customers the different types of credit options that are available, as well as the terms of those options. + Review loan agreements to ensure that they are complete and accurate according to compliance standards. + Approve loans within specified limits and refer loan applications outside those limits to management for approval; May require making presentations on financial matters. + Stay abreast of new types of loans and other financial services and products to better meet the customers needs. + Document, record and update information in credit and loan files. + Submit applications to credit analysts for verification and recommendation. + Negotiate payment arrangements with customers and compute payment schedules. + Analyze potential loan markets and develop referral networks to locate prospects for loans. + Work with other departments in the bank to make sure all accounts are in good standing and when accounts are delinquent make informative decisions on what must be paid to best suit the customer and the bank. + Collect on past due and/or charged off loans or accounts as needed. + Handle customer complaints and take appropriate action to resolve them. + Work directly with the public establish and maintaining interpersonal relationships; communicating with persons outside the organization to build relationships. + Develop objectives and strategies to best perform job functions. + Organize, plan, and prioritize workload to achieve job functions. **ADDITIONAL RESPONSIBILITIES:** + Get involved and encourage employees to become involved in their communities, lending their voluntary support to programs that positively impact the quality of life within these communities and help SEB build connections with these organizations and the public. + Cross sell SEB products and services. + Responsible for providing support, and directing Branch Supervisor in driving branch performance results, which is an essential function of their job: + Strong individual and team sales/referral performance in deposits, deposit accounts and other product lines + Directing, leading, and coaching of superior sales and service behaviors and activities by the entire team + Developing and executing plans to meet/exceed branch sales goals while maintaining an operationally efficient and compliant branch + Conducting sales efforts, as required, to bring in new primary relationships, while also maintaining and expanding existing personal and business banking relationships + Accountability for maximizing sales, customer satisfaction, and minimizing operating losses by executing the strategies outlined for the branch. + Ensure that branch employees follow all company policies and procedures and set an example for others in the branch to follow + Coaching other employees to achieve goals and bank initiatives. + Build strong relationship with the branch and other bank partners. **SKILLS, KNOWLEDGE, AND TRAINING:** + Ability to communicate effectively with loan processors and loan underwriters. + Understand the implications of new information for both current and future problem-solving and decision-making. + Use logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems. + Ability to talk to others to convey information effectively, face to face as well as in writing, as appropriate for the needs of the audience. + Identify complex problems and review related information to develop and evaluate options and implement solutions. + Consider the relative costs and benefits of potential actions to choose the most appropriate one. + Determine how a system should work and how changes in conditions, operations, and the environment will affect outcomes. + In-depth knowledge of processes, procedures and regulations for collections, bankruptcies, repossessions, and foreclosures. + Knowledge with computer technology including, but not limited to, Word, Excel, Power Point, E-Mail, and Internet Navigation. + Knowledge of business and management principles. + Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. + Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data. + Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. + Knowledge of laws, legal codes, court procedures, precedents, government regulations, legal guidelines, executive orders, and agency rules as it pertains to banking in general and lending in particular. **REQUIREMENTS:** + Bachelors degree in Finance, Business, or Economics, preferred. + 5+ years of lending and customer service experience, preferred. + Combination of education and experience, preferred. + Must be able to work with all levels of senior management. + Maintain up-to-date knowledge of and adhere to all state and federal regulations that pertain to this position including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending. + Working knowledge of state and federal regulations including but not limited to Bank Secrecy Act, Consumer Privacy and Fair Lending along with industry best practices that pertain to this position. SouthEast Bank is an equal opportunity employer. It is our policy to treat all individuals equally, regardless of race, color, religion, sex, gender, national origin, disability, age, genetic information, sexual orientation, transgender/gender identity, sexual preference, or service in the armed forces.