Location:  Harker Heights, Hearne, or Franklin

FULL-TIME

This position is responsible for performing duties related to consumer non-real estate and business loan applications; processing commercial real estate and business/consumer non-real estate loan closings; loan servicing; credit line advances; establishing, monitoring, and updating loan document files; working daily/weekly/monthly reports; and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

 Knowledge & Skills

•  High School Diploma or equivalent
• Two years banking experience specifically in lending area is preferred.
• Personal computer skills in Word/Excel/PowerPoint/Internet/E-mail; Preferred experience with Abrigo/Sageworks, Precision and MortgageBot
• Excellent interpersonal skills and knowledge or appropriate customer service
• Excellent verbal and written communication skills with all levels of staff, management, and customers
• Organized and meticulous.

Essential Duties and Responsibilities

Assist Branch Manager and other Loan Officers as directed by the Commercial Real Estate Closing Manager or Chief Loan Administration Officer in all loan closing, funding, customer service, or other duties as requested. These duties could include but are not limited to the following:

• Work closely with the Branch Manager and provide regular updates on pipeline status and other items as directed by Branch Manager.
• Assist assigned Loan Officers with gathering all documents needed for commercial loan approvals and closings.
• Assist assigned Loan Officers with gathering and uploading initial documents needed to prepare for mortgage loan approvals to MortgageBot.

• Coordinate with loan processing team in collecting documentation required for consumer loan closings.
• Order, review, and analyze collateral and entity related documents and highlight all exceptions to be cleared prior to closing.
• Obtain and review third party inspections, environmental reports, title reports, surveys, flood certificates, insurance, building documents, sale contracts and other items required for underwriting and closing new commercial loans.
• Order and assist in coordination and review of attorney prepared documents for adherence to loan policy and the terms and conditions outlined in the loan approval.
• Submit appraisal order requests and all necessary supporting documents to the Appraisal Department.
• Maintain Abrigo workflows and prepare for prefunding review of loan documents and loan file to ensure documents are ready for execution and that all exception items have been resolved or appropriately waived.
• Coordinate and request wires/checks for closings.
• Submit a complete loan package to the Loan Administration team for booking.
• Review residential and commercial loan draw requests, collect all necessary lien waivers, draw documents, invoices, and other supporting documents, and confirm advance amounts are funded correctly.
• Review weekly past due and exception reports and collect required financial reports, insurance, property tax receipts, etc.
• Provide customer service to clients and respond to all customer inquiries regarding loan status, payments, etc.
• Assist Loan Officers with loan extensions and modifications.
• Review loan documents to ensure completeness and accuracy in accordance with Bank policies, procedures, and compliance related issues (to be learned over time).
• Place documents in loan files, maintain filing in loan files as needed.
• Ensure that customer service telephone calls are managed promptly.
• Promote business for the Bank by maintaining good customer relations and by referring customers to new services.
• Help cross-selling and referrals to other departments of the Bank.
• Complete all assigned Bank compliance training.
• Other items as needed.

Job Complexity

Decision Making:

• Ability to define problems, collect data, establish facts, and identify solutions.
• Ability to interpret regulatory requirements and make operating decisions that enforce compliance.
• Ability to maintain confidential information.
• Ability to multitask and manage competing priorities appropriately.
• Ability to define problems, collect data, establish facts, and draw valid conclusions.
• A Senior Loan Closer with experience in consumer non-real estate and CRE loan documentation is highly recommended.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of the job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential function. Required to regularly stand, walk, climb stairs, sit, use hands to finger, handle or feel, reach with hands and arms, and talk or hear. May be required to lift and/or move up to twenty-five pounds on occasion.

Location:  Calvert

FULL-TIME

Summary:

This position is responsible for performing duties related to consumer and business loan and Mortgage processing as well as consumer, commercial and real estate loan payments and credit line advances; establishing, monitoring and updating loan document files; working daily insurance and all life of loan servicing needs and monthly reports and promoting business for the Bank by maintaining good customer relations and referring customers to appropriate staff for new services.

Essential Duties and Responsibilities:

 DAILY

• Process new loan documents
• Set up new loan file
• Verify adherence to Loan policy and Loan Administration procedures in daily work
• Perform all pre-funding requirements for all loans
• Scan loan documents and email to appropriate internal parties and/or Image and Book and set up Loans on our systems
• Review loan documents to ensure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues (to be learned over time)
• Place documents in loan files, maintain filing in loan files as needed
• Purge documents from loan files in accordance with Record Retention Schedule
• Ensure that customer service inquiries are handled promptly
• Promote business for Bank by maintaining good customer relations and by referring customers to new services
• Assist Loan Operations Manager and team members as directed in other duties as determined

WEEKLY

• Follow up on missing, incomplete or incorrect documentation
• Process assigned tasks as directed by Loan Operation Manager 

 AS NEEDED

• Access UCC searches, title work review, livestock inspections, and other due diligence as necessary by loan type
• Perform other processing duties as needed including open title with title companies
• Order flood determinations and mail notice (when applicable) to borrowers in accordance with bank policy
• Work with Loan Officers for timely closing and processing of loans and funding  
• Schedule or coordinate closings with all parties

MONTHLY

• Prepare reports to be emailed to the Loan Operations Manager as directed and other duties assigned as special projects or cleanup on time-to-time basis

ANNUALLY

• Assist in year-end record retention for loan files and loan records by boxing up previous year’s files for storage or shredding loans files per record retention requirements
• Perform Note jacket/Collateral audit to system

Knowledge, Skills, and Abilities:

• High School Diploma or equivalent
• One to three years Lending/Banking/ processing experience (preferred).
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge or appropriate customer service
• Excellent verbal and written communication skills with all levels of staff, management, and customers 
• Organized and detail oriented
• Ability to maintain confidential information

Location:  Georgetown

PART-TIME

Teller Functions (50%)

1. Always maintain a neat and organized work area.  Make sure that you have ample supplies on hand and your Teller/CSR station is properly set    up prior to opening for business.
2. Count currency, coins, and checks received, by hand or using currency-counting machine.
3. Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
4. Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
5. Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
6. Enter customers’ transactions into computers in order to record transactions and issue computer-generated receipts.
7. Count and balance currency, coin, and checks in cash drawers at end of shifts, and calculate daily transactions using computers, calculators, or adding machines.
8. Identify transaction mistakes when debits and credits do not balance when running proof.
9. Process transactions such as term deposits, retirement savings plan contributions, automated Teller/CSR transactions, night deposits, and mail deposits.
10. Prepare and verify cashier’s checks.
11. Process mortgage or other loan payments, verifying payment dates and amounts due.
12. Provide exemplary customer service via phone and in person.
13. Resolve problems or discrepancies concerning customers’ accounts.
14. Explain, promote, or sell other bank products or services.
15. Assist in balancing cash vault to ensure cash balances are correct.  Count, verify, and post armored car deposits.
16. Carry out special services for customers, such as ordering bank cards, check and internet banking products.
17. Follow compliance reporting procedures concerning CTRs, SARs, others
18. Assist in maintaining dual control and other bank logs such as: daily opening and closing checklist; vault access; night deposit access and content verification; mail deposits; outgoing wires; cashier’s checks; counter-checks; new account kits; key box contents; REG E debit card disputes; Teller/CSR over-short; cash transactions over $3,000; coin machine and ATM balancing; and Frost/Fed/TIB cash and coin buy/sell transactions.
19. Willing to travel to different locations within the organization.
20. Willing to cross sell all bank and non-banking products and services.

New Account Representative Functions (50%)

1. Perform Teller Duties as required.
2. Execute wire transfers.
3. Interview customers in order to obtain information needed for opening accounts or renting safe-deposit boxes.
4. Answer customers’ questions, and explain available services such as deposit accounts, CDs, and IRAs.
5. Inform customers of procedures for applying for services such as Online Banking, ATM cards, direct deposit of checks, certificates of deposit and IRAs.
6. Learn and follow CIP policy when opening new accounts.
7. Obtain all necessary information and required documentation to open specific account type.
8. Use computers and computer systems/programs to set up functions, enter data, or process information.
9. Compile information about new accounts, enter account information into computers, scan and file related forms or other documents.
10. Compile, code, categorize, calculate, tabulate, audit or verify information or data.
11. Obtain credit records from reporting agencies.
12. Cross-sell other value-added bank products and services.
13. Issue initial and replacement safe deposit keys to customers and manage vault access to safety deposit boxes.
14. Analyze information and evaluate results to choose the best solution and solve problems.
15. Refer customers to appropriate bank personnel in order to meet their financial needs.
16. Develop specific goals and plans to prioritize, organize, and accomplish your work.
17. Assess the value, importance, or quality of things or people.
18. Develop constructive and cooperative working relationships with others, and maintaining them over time.
19. Perform day-to-day administrative tasks such as maintaining information files and processing paperwork.
20. Monitor and review information from materials, events, or the environment, to detect or assess problems.
21. Handle complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
22. Willing to travel to different locations within the organization.
23. Willing to cross sell all bank and non-banking products and services.

Location:  Kerrville

FULL-TIME

Teller Functions (50%)

1. Always maintain a neat and organized work area.  Make sure that you have ample supplies on hand and your Teller/CSR station is properly set    up prior to opening for business.
2. Count currency, coins, and checks received, by hand or using currency-counting machine.
3. Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
4. Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips.
5. Examine checks for endorsements and to verify other information such as dates, bank names, identification of the persons receiving payments and the legality of the documents.
6. Enter customers’ transactions into computers in order to record transactions and issue computer-generated receipts.
7. Count and balance currency, coin, and checks in cash drawers at end of shifts, and calculate daily transactions using computers, calculators, or adding machines.
8. Identify transaction mistakes when debits and credits do not balance when running proof.
9. Process transactions such as term deposits, retirement savings plan contributions, automated Teller/CSR transactions, night deposits, and mail deposits.
10. Prepare and verify cashier’s checks.
11. Process mortgage or other loan payments, verifying payment dates and amounts due.
12. Provide exemplary customer service via phone and in person.
13. Resolve problems or discrepancies concerning customers’ accounts.
14. Explain, promote, or sell other bank products or services.
15. Assist in balancing cash vault to ensure cash balances are correct.  Count, verify, and post armored car deposits.
16. Carry out special services for customers, such as ordering bank cards, check and internet banking products.
17. Follow compliance reporting procedures concerning CTRs, SARs, others
18. Assist in maintaining dual control and other bank logs such as: daily opening and closing checklist; vault access; night deposit access and content verification; mail deposits; outgoing wires; cashier’s checks; counter-checks; new account kits; key box contents; REG E debit card disputes; Teller/CSR over-short; cash transactions over $3,000; coin machine and ATM balancing; and Frost/Fed/TIB cash and coin buy/sell transactions.
19. Willing to travel to different locations within the organization.
20. Willing to cross sell all bank and non-banking products and services.

New Account Representative Functions (50%)

1. Perform Teller Duties as required.
2. Execute wire transfers.
3. Interview customers in order to obtain information needed for opening accounts or renting safe-deposit boxes.
4. Answer customers’ questions, and explain available services such as deposit accounts, CDs, and IRAs.
5. Inform customers of procedures for applying for services such as Online Banking, ATM cards, direct deposit of checks, certificates of deposit and IRAs.
6. Learn and follow CIP policy when opening new accounts.
7. Obtain all necessary information and required documentation to open specific account type.
8. Use computers and computer systems/programs to set up functions, enter data, or process information.
9. Compile information about new accounts, enter account information into computers, scan and file related forms or other documents.
10. Compile, code, categorize, calculate, tabulate, audit or verify information or data.
11. Obtain credit records from reporting agencies.
12. Cross-sell other value-added bank products and services.
13. Issue initial and replacement safe deposit keys to customers and manage vault access to safety deposit boxes.
14. Analyze information and evaluate results to choose the best solution and solve problems.
15. Refer customers to appropriate bank personnel in order to meet their financial needs.
16. Develop specific goals and plans to prioritize, organize, and accomplish your work.
17. Assess the value, importance, or quality of things or people.
18. Develop constructive and cooperative working relationships with others, and maintaining them over time.
19. Perform day-to-day administrative tasks such as maintaining information files and processing paperwork.
20. Monitor and review information from materials, events, or the environment, to detect or assess problems.
21. Handle complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
22. Willing to travel to different locations within the organization.
23. Willing to cross sell all bank and non-banking products and services.

Location:  Round Rock

FULL-TIME

Summary:

Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.

Primary Duties and Responsibilities:

• Generate own pipeline of loans
• Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
• Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Comply with all federal and state compliance policies and adhering to HMDA requirements.
• Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
• Order appraisals, credit reports, and evidence of insurance.
• Promote business for Bank by maintaining good customer relations and by referring customers to new services.
• Prepare various monthly reports.

Other Duties:

• Participate in business development activities at all levels.
• Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.

Knowledge, Skills, and Abilities:

• High School degree or equivalent
• 2 years bank lending experience
• Residential and/or commercial underwriting experience is preferred
• Knowledge of federal and state mortgage banking regulatory requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge of appropriate customer service
• Organized and detailed oriented
• Ability to prioritize tasks accordingly
• Ability to maintain confidential information

FULL-TIME

Summary:

Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.

Primary Duties and Responsibilities:

• Generate own pipeline of loans
• Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
• Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Comply with all federal and state compliance policies and adhering to HMDA requirements.
• Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
• Order appraisals, credit reports, and evidence of insurance.
• Promote business for Bank by maintaining good customer relations and by referring customers to new services.
• Prepare various monthly reports.

Other Duties:

• Participate in business development activities at all levels.
• Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.

Knowledge, Skills, and Abilities:

• High School degree or equivalent
• 2 years real estate lending experience/Commercial Lending experience preferred
• Residential and/or commercial underwriting experience is preferred
• Knowledge of federal and state mortgage banking regulatory requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge of appropriate customer service
• Organized and detailed oriented
• Ability to prioritize tasks accordingly
• Ability to maintain confidential information

Location:  Franklin

FULL-TIME

Summary:

Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.

Primary Duties and Responsibilities:

• Generate own pipeline of loans
• Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
• Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Comply with all federal and state compliance policies and adhering to HMDA requirements.
• Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
• Order appraisals, credit reports, and evidence of insurance.
• Promote business for Bank by maintaining good customer relations and by referring customers to new services.
• Prepare various monthly reports.

Other Duties:

• Participate in business development activities at all levels.
• Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.

Knowledge, Skills, and Abilities:

• High School degree or equivalent
• 2 years bank lending experience
• Residential and/or commercial underwriting experience is preferred
• Knowledge of federal and state mortgage banking regulatory requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge of appropriate customer service
• Organized and detailed oriented
• Ability to prioritize tasks accordingly
• Ability to maintain confidential information

Location:  Georgetown

FULL-TIME

Summary:

Responsible for proactively soliciting new consumer, real estate, and commercial loans and sell the Bank’s products to meet established loan quality and production goals.

Primary Duties and Responsibilities:

• Generate own pipeline of loans
• Obtain and review necessary loan documentation from borrowers and present complete packages to processing for submission into underwriting.
• Monitor and ensure closing dates and rate lock expirations and company deadlines are met.
• Conducts interviews with prospective borrowers in order to analyze financial and credit data, determine customer financing objectives, advice customers of product/pricing policies and guidelines, and gather any additional required information.
• Comply with all federal and state compliance policies and adhering to HMDA requirements.
• Review loan documents to insure completeness and accuracy in accordance with Bank policies, procedures and compliance related issues.
• Order appraisals, credit reports, and evidence of insurance.
• Promote business for Bank by maintaining good customer relations and by referring customers to new services.
• Prepare various monthly reports.

Other Duties:

• Participate in business development activities at all levels.
• Maintain educational and professional expertise through attendance at job related seminars, conferences, and workshops and involvement in professional, civic, and community groups in leadership positions.

Knowledge, Skills, and Abilities:

• High School degree or equivalent
• 2 years bank lending experience
• Residential and/or commercial underwriting experience is preferred
• Knowledge of federal and state mortgage banking regulatory requirements
• Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
• Good interpersonal skills and knowledge of appropriate customer service
• Organized and detailed oriented
• Ability to prioritize tasks accordingly
• Ability to maintain confidential information