Manager Real Estate

JAMES SEBRING

**** ******** *****, ****** *****, SC 29579

843-***-**** (home) 843-***-**** (cell) ( abmtfi@r.postjobfree.com

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OBJECTIVE

To secure a position as a city executive or commercial lender that utilizes

25+ years of lending experience and 15+ years of banking management

expertise to help clients meet or exceed their financial goals.

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QUALIFICATIONS

. Proven track record of building client respect and trust by way of

exceptional client management, needs based profiling, accurate

analytical risk assessments and solid research/sales strategies.

. Ability to conduct business and resolve difficult negotiations with

the highest level of professionalism, ethical behavior and integrity

resulting in the growth of new accounts and further development of

existing client relationships.

. Active communication and interpersonal skills to handle the most

complex and/or sensitive accounts consistently.

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PROFESSIONAL EXPERIENCE

First Federal

Senior Client Manager -Myrtle Beach, SC

3/05 - 4/10

Responsible for prospecting, developing and servicing a wide array of

commercial loans along with secured and unsecured lines of credit.

. Grew commercial loan portfolio from $1MM to $73MM in a new market.

. Received scores of 97% on client satisfaction surveys.

. Awarded commercial lender of the year and/or runner up, three of four

years.

Branch Banking & Trust (BB&T)

Business Services Officer IV - Savannah, GA

5/02 - 3/05

Managed client relationships with borrowing needs in excess of

$500M. Responsible for prospecting,

managing existing clients, loan underwriting, risk grade

assessments, and managing problem credits.

. Managed portfolio during high turnover, stabilized client

relationships, improved exceptions and prevented losses.

. Received Mid-south Region Commercial Credit Quality Award 2004.

. Team member of Most Improved Region 2004.

Business Banker IV - Hickory, NC

1/01 - 5/02

Managed client relationships with borrowing needs of less than $500M

and several in excess if $500M.

. Annual Sterling Performer runner up.

Financial Center Manager IV - Hickory, NC

2/98 - 1/01

Managed office of business bankers and main office retail manager

with $180MM in deposits and

$75MM in loans.

. First branch to test new retail/business banking model.

Financial Center Manager II - Hickory, NC

8/95 - 2/98

Responsible for retail and small business market development and

staff of six retail sales associates

. Annual Sterling Performer runner up two years in a row. Coached and

mentored direct reports, five who were named annual Sterling Award

winners while at BB&T.

. Member of Western Region President's Award winning team three years.

JAMES SEBRING

1551 Biltmore Drive Myrtle Beach, SC 29579

843-***-**** (home) 843-***-**** (cell) ( abmtfi@r.postjobfree.com

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PROFESSIONAL EXPERIENCE (continued)

Wachovia Bank

Business Banker - Hickory, NC

2/90 - 8/95

. Responsible for prospecting and servicing clients with borrowing

needs less than $1MM

Personal Banker - Hickory, NC

12/83 - 2/90

. Managed retail offices in Hickory, Morganton and Hildebran.

Management Associate (Northwestern Bank) - North Wilkesboro, NC

5/82 - 12/83

. Worked on centralized installment loan function project, while

member of management development class.

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EDUCATION

Lenoir-Rhyne University - Hickory, NC

1982

. B.A., Business Administration with an emphasis in accounting

. Graduated Cum Laude; cumulative GPA of 3.46 on a scale of 4.0

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TRAINING and CERTIFICATIONS

Wachovia Training:

3-week Business Lending School (1989)

Commercial mortgage underwriting and appraisal training

RMA Commercial Loans to Business course (1986)

RMA Real Estate Development and Construction Lending Seminar

BB&T Training:

Richardson Negotiating Skills class

Advanced Commercial Lending

RMA Commercial Lending competency exam (2002)

Cohen-Brown Breakthrough B2B Banking

Nido Qubein's Presentation Skills

Commercial Real Estate seminar

Effective Communication course

Business Loan Documentation for Lenders

Emotional Competence Inventory

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BOARD MEMBERSHIP and COMMUNITY INVOLVEMENT

Present: Rotary - Officer, March of Dimes Board Member, Coastal Carolina

University - Wall College of Business Advisory Board

Past: Boy Scouts, Kiwanis, United Way, Jaycees, Habitat for Humanity,

Chamber of Commerce and others.

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