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Helpful Forms and Applications

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Careers

Branch Operations/Retail Manager, Harker Heights

Full Time

Summary:

The Branch Operations/Retail Branch Manager is responsible for the overall retail/deposit operations of the branch from a sales and service perspective. This position is also the liaison to Human Resource department.  The manager is responsible for developing the retail/deposit business at the branch.  Will works closely with the Marketing Director and Manager to implement bank wide and area wide specific development/growth plans.  Create and execute marketing strategy and tactics that utilize the following disciplines to improve customer experiences: Customer Loyalty Management, Customer Relationship Management and Customer Value Management.

Essential Duties and Responsibilities:

  • Oversee the scheduling of branch sales and service staff, ensuring that the branch is open for business and able to provide superior quality service to the customer on a daily basis. Oversee facility condition and physical security monitoring.
  • Handle the required human resource functions within the branch such as benefit enrollment paperwork, time clock, absentee accountability etc.
  • Ensure that all operational functions in the bookkeeping and proof area are performed timely and completely.
  • Provide assistance on customer relations, troubleshooting and problem solving.
  • Report to Branch Manager on procedural issues in the teller and new account areas to ensure efficient and consistent workflow to centralized operations area. Report to Branch Manager on sales/service related issues. 
  • Key liaison between the Lending officers and the commercial customers to facilitate the development of the deposit relationships, electronic products and any other products the customer would need.
  • Maintain a cooperative work environment within the location and between other departments. Coordinate with Branch Manager on operational processes to maintain adequate controls and quality service to customers. Encourages staff to achieve cross selling goals both insured and non-insured products
  • Hold regularly scheduled location meetings to ensure that entire staff is aware of the senior management concerns, successes, and upcoming activities. Conduct regularly scheduled meetings with direct report staff to discuss and follow up on issues, status, roadblocks, status etc.
  • Exercise management authority concerning staffing, performance appraisals, promotions, salary recommendations and corrective action. Incumbent shares responsibility for bank-wide morale and attitude, and sets the tone for teamwork and unity among locations.
  • Provide support to Chief Operations Office on key or specific project for overall success of the branch and bank wide.
  • Ensure employees are crossed trained to handle all customer services request
  • Ensure employees have a complete understanding of products and services offered

Effectively support staff by:

  •  Transmitting the Bank’s values, vision and direction
  • Respecting and using the skills, expertise, experience and insights of people
  • Providing direction and resources, removing barriers and helping develop people’s skills
  • Communicating which includes helping people transform information into knowledge and learning
  • Anticipating conflicts and facilitating a professional resolution
  • Modeling behavior; and coaching employee to succeed
  • Great cooperation with the Branch manager and Chief Operations Officer
  • Great cooperation with Compliance and Audit officers

Back-Up Duties and Responsibilities:

  • Back-Up Teller when needed – General Teller Duties
  • Back-Up New Accounts Representative when needed
  • Answer Phones – General Customer Service Issues
  • Branch facilities coordinator along with Branch Manager
  • Balance ATM
  • Back-up Vault Teller
  • Electronic Banking knowledge of all products offered
  • Technology Contact for main location
  • Assist in other job duties throughout the bank when needed
  • All New Accounts responsibilities

Knowledge, Skills, and Abilities:

  • High school diploma or equivalent
  • Two years bank operations experience
  • Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail/mobile phone
  • Good interpersonal skills and knowledge of appropriate customer service
  • Excellent verbal and written communication skills with all levels of staff, management and customers
  • Ability to handle conflict both with customers and employees in a professional manner
  • Organized and detail oriented
  • Ability to maintain confidential information

Branch Executive, Leander

Summary:

Responsible for Leander business development, including new loan production and renewals and modifications of existing Leander based clients.  Assists in further deepening the presence of the Bank in the Leander market.  Under direction of Urban North Regional Credit Manager, this position assists in the certain aspects of the overall lending program for the Bank.  Incumbent also plays a role in special projects as determined by the Executive Management team such as loan review, developing standardized processes, and other growth related projects.

Primary Duties and Responsibilities:

  • This position is primarily charged with loan production and growth of the overall loan portfolio in and around the Leander market.  The Bank desires full banking relationships with our customers which includes meeting their lending and deposit needs.  It is for this reason that our primary market focus is in Williamson County and Travis County.
  • The position will originate new customer relationships for the Bank through an existing referral network and business development efforts.  Perform initial analysis of loan application packages.  Structure loan requests to comply with Bank policy, regulatory requirements, and sound lending practices.  Present loan requests to appropriate level of approval authority.  Communicate loan decisions with applicants.  Work with support staff in documenting and closing approved loans.  Serve as relationship manager for existing customer relationships and attend to customer needs and requests.

Other Duties:

  • Oversight and supervision of all Falconhead branch functions from facility issues to personnel issues.  This includes direct management of the lending personnel and operations manager.
  • Provide leadership and mentoring of additional lending staff in this branch and in other branches.  This includes participation in discussions regarding loan structure, underwriting, and business development efforts.
  • 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.

Supervisory Responsibilities:

Assist the Regional Credit Manager, Chief Risk Officer, and Chief Lending Officer by indirectly supervising loan operations support personnel.  Assistance will also include training employees, planning, assigning, and directing workflow.  Because of this level of interaction, the incumbent will also provide input into the annual performance appraisals of lending personnel and the operations manager

Knowledge, Skills, and Abilities:

  • Bachelor’s & Master’s Degree; Graduate School of Banking
  • 10-15 years’ experience in management and all phases of lending
  • Working knowledge of computers, technology, servers, and core processing system
  • Excellent interpersonal skills and knowledge of appropriate customer service
  • Excellent verbal and written communication skills with all levels of staff, management, and customers
  • Ability to network in any situation and represent the bank at any function
  • Organized and detail oriented
  • Ability to prioritize tasks accordingly
  • Ability to maintain confidential informatio

Job Complexity:

Decision Making:

Must be knowledgeable of risks in all areas of the Bank, and make sound decisions accordingly.  Ability to define problems, collect data, establish facts, and draw valid conclusions.  Ability to interpret regulatory requirements, and make operating decisions that enforce compliance.  Ability to identify trends and make corrective action decisions in a timely manner.

Confidentiality:

This position has access to confidential records concerning the business and financial affairs of customers and employees.  This information should not be discussed except in the performance of required tasks.

Direction of Others:

Directly oversee Loan Administration staff in Falconhead location.  Indirectly give direction to Lenders and Loan Operations staff.

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 accommodations 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 25 pounds on occasion.

Credit Analyst Team Lead, Leander

This position will supervise a team of Credit Analysts and assist underwriting staff with current and proposed loan submissions. The position will mentor the underwriting staff on difficult loan submissions and manage underwriting team capacity to ensure turnaround time expectations are met. The position will provide subject matter expertise to all bank employees on topics delegated by their supervisor and complete underwriting reviews in a timely manner. In addition to the position’s supervisorial duties, they will prepare spreads and financial analysis for complex credits when needed.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

  • Support the development, execution and management of the bank’s underwriting function.
  • Evaluate the standards for underwriting loans and plan for continuous improvement in efficiency and effectiveness.
  • Supervise a Credit Analyst Team that delivers quality loans, accurate decisions, customer service on a consistent basis and is capable of carrying out needed initiatives.
  • Manage underwriting capacity by distributing workflow among team members.
  • Collaborate with other departments and provide solutions on a variety of underwriting issues.
  • Create job aids regarding all facets of the underwriting process to ensure efficient and effective underwriting of loans.
  • Develop tools and departmental systems to minimize errors and increase ability to underwrite quality loans efficiently.
  • Recommend and implement ongoing training for underwriting staff for continued professional development.
  • Provide content for periodic underwriting team meetings and effectively communicate agenda.
  • Complete comprehensive reviews of spreads and financial analysis produced by other Credit Analysts to ensure adequacy/accuracy of the underwriting.
  • Prepare spreads and financial analysis for more complex credits when needed.
  • Perform other duties as assigned.

 

EXPERIENCE AND JOB SKILLS REQUIRED:

  • 3-5 years’ general underwriting experience (75% C&I, 25% CRE preferred)
  • Bachelor’s Degree in business-related field
  • Proficient in Microsoft Word, PowerPoint, and Excel
  • Exposure to Sageworks preferred
  • Ability to work efficiently and effectively under deadlines and stress while maintaining a professional and mature profile.
  • Ability to manage multiple tasks and deadlines simultaneously.
  • Excellent written and verbal communication skills

Branch Operations/Retail Manager, Georgetown

Full-Time  

 

Summary:

The Branch Operations/Retail Branch Manager is responsible for the overall retail/deposit operations of the branch from a sales and service perspective. This position is also the liaison to Human Resource department.  The manager is responsible for developing the retail/deposit business at the branch.  Will works closely with the Marketing Director and Manager to implement bank wide and area wide specific development/growth plans.  Create and execute marketing strategy and tactics that utilize the following disciplines to improve customer experiences: Customer Loyalty Management, Customer Relationship Management and Customer Value Management.

 

Essential Duties and Responsibilities:

 

  • Oversee the scheduling of branch sales and service staff, ensuring that the branch is open for business and able to provide superior quality service to the customer on a daily basis. Oversee facility condition and physical security monitoring.
  • Handle the required human resource functions within the branch such as benefit enrollment paperwork, time clock, absentee accountability etc.
  • Ensure that all operational functions in the bookkeeping and proof area are performed timely and completely.
  • Provide assistance on customer relations, troubleshooting and problem solving.
  • Report to Branch Manager on procedural issues in the teller and new account areas to ensure efficient and consistent workflow to centralized operations area. Report to Branch Manager on sales/service related issues.
  • Key liaison between the Lending officers and the commercial customers to facilitate the development of the deposit relationships, electronic products and any other products the customer would need.
  • Maintain a cooperative work environment within the location and between other departments. Coordinate with Branch Manager on operational processes to maintain adequate controls and quality service to customers. Encourages staff to achieve cross selling goals both insured and non-insured products
  • Hold regularly scheduled location meetings to ensure that entire staff is aware of the senior management concerns, successes, and upcoming activities. Conduct regularly scheduled meetings with direct report staff to discuss and follow up on issues, status, roadblocks, status etc.
  • Exercise management authority concerning staffing, performance appraisals, promotions, salary recommendations and corrective action. Incumbent shares responsibility for bank-wide morale and attitude, and sets the tone for teamwork and unity among locations.
  • Provide support to Chief Operations Office on key or specific project for overall success of the branch and bank wide.
  • Ensure employees are crossed trained to handle all customer services request
  • Ensure employees have a complete understanding of products and services offered

 

Effectively support staff by:

 

  • Transmitting the Bank’s values, vision and direction
  • Respecting and using the skills, expertise, experience and insights of people
  • Providing direction and resources, removing barriers and helping develop people’s skills
  • Communicating which includes helping people transform information into knowledge and learning
  • Anticipating conflicts and facilitating a professional resolution
  • Modeling behavior; and coaching employee to succeed
  • Great cooperation with the Branch manager and Chief Operations Officer
  • Great cooperation with Compliance and Audit officers

 

Back-Up Duties and Responsibilities:

 

  • Back-Up Teller when needed – General Teller Duties
  • Back-Up New Accounts Representative when needed
  • Answer Phones – General Customer Service Issues
  • Branch facilities coordinator along with Branch Manager
  • Balance ATM
  • Back-up Vault Teller
  • Electronic Banking knowledge of all products offered
  • Technology Contact for main location
  • Assist in other job duties throughout the bank when needed
  • All New Accounts responsibilities

 

Knowledge, Skills, and Abilities:

 

  • High school diploma or equivalent
  • Two years bank operations experience
  • Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail/mobile phone
  • Good interpersonal skills and knowledge of appropriate customer service
  • Excellent verbal and written communication skills with all levels of staff, management and customers
  • Ability to handle conflict both with customers and employees in a professional manner
  • Organized and detail oriented
  • Ability to maintain confidential information

Teller/Customer Service Representative (2 positions), Georgetown

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.

Teller/Customer Service Representative, Bee Cave

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.

Teller/Customer Service Representative, Bremond

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.

Teller/Customer Service Representative, Hearne

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.

Mortgage Processor, Lakeway

Full Time

Summary:

This position is responsible for performing duties related to consumer and business loan applications; processing consumer, commercial and real estate loan payments and credit line advances; establishing, monitoring and updating loan document files; working daily insurance 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 using MortgageBot platform
  • Set up new loan file
  • Access credit reports, run findings with DO or LP for secondary market eligibility
  • Scan loan documents and email to appropriate staff in Moulton to be set up on system
  • Review loan documents to insure 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 Sr. Vice President & mortgage loan department as directed

WEEKLY

  • Follow up on missing, incomplete or incorrect documentation
  • Process insurance received by writing loan numbers on policies, scan and email to appropriate staff in Moulton for tracking with CPI.

AS NEEDED

  • Access credit reports, run findings with DO or LP for secondary market eligibility
  • Prepare mortgage loan disclosures as required by law in compliance with Bank’s RBPN Policy and Procedures.
  • Order appraisals as needed on real estate loans
  • Perform other real estate processing duties as needed including ordering EDRs and open title with title companies
  • Order flood determinations and mail notice (when applicable) to borrowers in accordance with bank policy
  • Work with secondary market partners to secure final loan approval
  • Process denial statements in accordance with bank’s policy and send denials to Moulton to be reviewed and stored in accordance with compliance record retention requirements
  • Perform all pre-funding requirements for real estate loans and send to appropriate staff in Moulton for approval prior to funding/closing.  Order loan documents from fulfillment attorney
  • Schedule closings with all parties
  • Track purchase of secondary market loans.

MONTHLY

  • Prepare loan officer pipeline reports to be emailed to Larry Weisinger

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
  • 5+ years secondary market residential processing experience
  • 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
  • Currently licensed with NMLS or the ability to be licensed

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.

Consequence of Errors:

Errors may result in loss of customer, risk to the bank, poor community image and regulatory citing

Confidentiality:

This position has access to confidential records concerning the business and financial affairs of customers and employees.  This information should not be discussed except in the performance of required tasks.

Internal/External Contacts:

This position interacts with other employees, customers, other banks, vendors, and members of management.

Direction of Others:

No supervisory responsibilities.

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 accommodations 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 and feel; reach with hands and arms; and talk or hear.  May be required to lift and/or move up to 25 pounds on occasion.

Mortgage Loan Originator, ALL LOCATIONS

Location:       Bee Cave / Brazoria / Bremond / Calvert / Franklin / Georgetown / Gonzales / Harker Heights / Hearne / Leander / Moulton / Round Rock / Shiner / Southwest Austin / Steiner Ranch

Status:         Full Time

Summary:

  • SouthStar Bank is expanding the mortgage department and seeking for qualified applicants at every location.
  • The Mortgage Loan Originator (MLO) is responsible for the overall mortgage lending of the branch from a sales and service perspective. The Mortgage Loan Originator (MLO) is responsible for developing the secondary market and portfolio lending programs of the bank.  The MLO will works closely with the Marketing Director and Senior Bank Manager and Mortgage Lending Manager to implement bank wide and area wide specific marketing plans.  Create and execute marketing strategy and tactics that utilize the following disciplines to improve customer experiences: Customer Loyalty Management, Customer Relationship Management and Customer Value Management.

Essential Duties and Responsibilities:

  • Provide Mortgage Lending expertise in all areas of Mortgage Lending including an extensive knowledge of Fannie/Freddie, FHA, VA & USDA (Secondary Market Programs) as well as the Banks Portfolio Program.
  • Provide assistance on customer relations, troubleshooting and problem solving.
  • Take Continued Education courses provided by the bank to ensure compliance and regulatory measures are met at all times
  • Report to the Branch Manager and Mortgage Lending Manager on procedural issues in the processing and closing areas to ensure efficient and consistent workflow to centralized operations area. Report to Branch Manager on sales/service related issues.
  • Key liaison between the banks customers seeking mortgage and commercial loan opportunities to facilitate the development of the deposit relationships, electronic products and any other products the customer would need.
  • Maintain a cooperative work environment within the location and between other departments. Coordinate with Branch Manager on operational processes to maintain adequate controls and quality service to customers. Encourages staff to achieve cross selling goals.
  • Hold regularly scheduled location and off location meetings to ensure that any and all bank referral partners are aware of the senior management group’s concerns, successes, and upcoming activities. Conduct regularly scheduled meetings with direct report staff to discuss and follow up on issues, status, roadblocks, status etc.

Effectively support staff by:

  • Working closely with the processor assigned to your loan
  • Help gather important documents that are needed to successfully close the mortgage loan
  • Respecting and using the skills, expertise, experience and insights of people
  • Providing direction and resources, removing barriers and helping develop people’s skills
  • Communicating which includes helping people transform information into knowledge and learning
  • Anticipating conflicts and facilitating resolution
  • Modeling behavior; and
  • Coaching people to success.

Knowledge, Skills, and Abilities:

  • High school diploma or equivalent
  • Five years of mortgage lending experience
  • Personal computer skills; Word/Excel/PowerPoint/Internet/E-mail
  • Good interpersonal skills and knowledge of 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
SouthStar Bank is always looking for talented individuals to join our team.  Email your resume to our HR department.

SouthStar Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, veteran status, disability, sexual orientation, gender identity, or any other protected status.

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