City President

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.