Market President

The Citizens Bank; Starkville, Northern (MS, KY); On-site; USD 140,000 - 210,000; Full time

Job summary

The Citizens Bank is seeking a Market President to lead operations in Starkville, MS, guiding loan and deposit growth while strengthening the bank’s community presence. The role emphasizes relationship-building, underwriting, and closing loans with superior client service.

The position requires strong leadership, 5–7 years as an individual producer in a FDIC-insured bank, and 1–3 years managing sales teams. A 4-year degree in banking/finance or related field is required.

Qualifications

• Excellent verbal and written communication skills with clients and staff.
• Strong customer service and sales background in a community banking setting.
• Broad banking knowledge including credit analysis and loan documentation systems.
• Proficiency with Microsoft Office and related PC applications.

Responsibilities

• Oversee bank activities within the community/market, including loans and deposits.
• Provide day-to-day leadership of managers and employees.
• Develop new business through underwriting, structuring and closing of loans and servicing existing portfolio.
• Represent the bank in local community through active participation in community affairs.

Skills

Verbal and written comms

Customer service

Broad banking knowledge

Microsoft Office

Education

4-year degree in banking/finance/real estate/business

Tools

Microsoft Office

Job description

• Position: Market President
• Reporting To: Regional President
• Location: Starkville, MS

About the Position

A proactive relationship builder that assists bank clients and provides excellent support throughout the process of underwriting, structuring and closing of loans and developing deposit relationships while working to enhance and grow the bank's presence within the community and market.

About the Opportunity

The Citizens Bank opened in 1908 in Philadelphia, MS, and it quickly earned a reputation for safety, confidence, honesty, integrity, and hard work. Throughout its history, the bank held steadfast to its commitment to be a bedrock partner to the communities it serves. Today, still grounded in the principles on which we were founded, our bank serves the state of Mississippi through 26 branch offices and beyond with its digital and mobile banking solutions. Our high-tech, high-touch approach to full-service banking helps us provide the products and services of larger banks, but with a level of service that only a community bank committed to extraordinary service can provide. We're different. We appreciate and respect our past, but our sights are clearly set on building an even better bank for the future, and it starts with our people. Our commitment to making the bank a great place to work is woven into the fabric of our core values - SERVE.

Essential Duties

Oversee activities of the bank within the community/market, including loans and deposits. Provide day-to-day leadership of managers and employees. Assist in recruiting, training and developing staff. Enhance market growth in all areas. Ensure the highest quality of client service is provided at all delivery systems within the market. Represent the bank in local community through active participation in community affairs.

Develop new business, through the underwriting, structuring, and closing of loans, as well as maintaining and servicing an existing portfolio. Solicit, negotiate and coordinate the closing of loans in compliance with the bank's lending policies and procedures as well as applicable Federal and State regulations. Maintain collection efforts of delinquent loans within the officer portfolio. Monitor existing loan portfolio to ensure proper risk ratings and early identification of potential problems. Promote business for the bank by maintaining good client relationships and referring clients to appropriate staff for additional services. Maximize bank profitability through appropriate pricing of new loans, fee income and selling of all bank products and services. Develop business and consumer checking and deposit relationships with clients. Present credits for approval to appropriate levels of authority within the bank as required.

Other duties as required by supervisory personnel.

The Right Person

• 5-7years' successful experience as an individual producerin an FDIC Insured Financial Institution or similar work environment.
• 1-3 years' successful sales team management for a team responsible for selling and servicing financial services.
• 4-year degree in banking & finance, real estate, business administration or related field.
• Broad Banking Knowledge, including credit analysis and loan documentation systems.
• Demonstrated experience overseeing a branch/market, developing selling/cross-selling skills, and coaching/mentoring.
• Exceptional Verbal and Written Communication Skills
• Exceptional Customer Service and Sales Background
• Extensive Knowledge/Use of Microsoft Office and other PC applications

VEVRAA Federal Contractor