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Employee Spotlight

Employee Spotlight- Meghan Rabel

Meghan Rabel, Personal Banker | SouthStar Bank Kerrville Meghan Rabel is a Personal Banker at the SouthStar Bank Kerrville branch. She has been with SouthStar since the acquisition of the Kerrville branch and holds over a decade of experience in the finance industry. Meghan greatly enjoys building relationships with her customers. She strives to form trust and familiarity to provide the best banking experience possible. Off the clock, she is a busy mother of two boys and many cats and dogs. However, when she can get a moment to herself, she enjoys doing puzzles or catching a movie (preferably a chick flick). Meghan also loves the outdoors and has a great appreciation for nature. Her favorite destination is the mountains in Wyoming, and she dreams of seeing the Northern Lights one day.

Employee Spotlight- Matthew Danielson

Matthew Danielson, Assistant Vice President/Portfolio Manager | SouthStar Bank Loan Administration Building Matthew Danielson works as a Portfolio Manager at the SouthStar Bank Loan Administration Building. He has worked in banking for more than four years and is approaching his second anniversary at SouthStar Bank. Matt graduated from Upper Iowa University and moved to Texas with his fiancé, whom he is looking forward to marrying in May of this year. During his tenure with SouthStar Bank, Matt has excelled due to his mentality. Matt is always excited for new challenges and looks forward to helping clients achieve their end goals. The diversity of opportunities and clients allows Matt to engage and learn with each project, contributing to his development and growth within the Loan Department. Outside of work, Matt enjoys the outdoors. Whether it be fishing, hunting, golfing, or boondocking on the beach, Matt enjoys indulging in the spoils of nature in a multitude of ways.

Employee Spotlight- Mary Hall

Mary Hall, Personal Banker | SouthStar Bank Calvert Mary Hall is a Personal Banker at the SouthStar Bank Calvert branch. She has worked in the banking industry for over 10 years, with seven years spent at various SouthStar Bank locations in Robertson County. Mary most enjoys working in the Calvert branch because it allows her to interact with the great people of Calvert and customers from Bremond, Hearne, and Franklin. Away from the bank, Mary is a proud wife and mom of two kids. She enjoys spending her free time reading, traveling, thrifting at local garage sales, attending football games, and volunteering with her church.

Portfolio Loans

Portfolio Loans | SouthStar Bank What is a portfolio loan? A SouthStar Bank portfolio loan is originated and funded right here at our institution, and never moves into the secondary mortgage market. It’s called a “portfolio loan” because it’s always going to stay in our portfolio. That means we can rely on our relationship with the customer to determine loan eligibility even if they don’t meet the typical mortgage profile. For example, meet Annie. Annie is a freelance marketing consultant with variable income.  Her credit score has taken a few hits but we’ve known Annie for years. She’s been a customer in good standing and a part of our community for a long time. Her business is picking up, and she’s starting to get back on her feet. Purchasing a home could improve her stability, her credit, and her children’s lives. She may even want to purchase a four-plex, so she can start earning some rental income on the other three units.  Annie comes to SouthStar Bank and meets with one of our loan officers to discuss the Star Advantage Loan. We look at her plans, her property, and total financial picture and make a decision about whether she’ll be a good risk. If we agree the loan makes good business sense, we move forward, even though she would not have been eligible for a loan through Fannie Mae and Freddie Mac. Are portfolio loans a good idea? A portfolio loan generally isn’t riskier for the consumer than any other kind of mortgage. It is riskier for the banker, which means it can come with higher interest rates and fees. Whether they are a good idea for you depends on your unique situation and goals. Would you be able to qualify for a conventional mortgage with just a little more work and time? Do you have aspirations towards becoming a landlord or real estate investor? Are you trying to purchase a non-traditional property or unique property? Of course you should carefully consider the total picture before you make your final decision. Our loan officers are happy to discuss the risks and benefits of a portfolio loan in your specific case. How do you qualify for a portfolio loan?  Applying for a portfolio loan isn’t just about forms and numbers. It’s about your story. Be prepared to sit down and discuss yours. Tell us what your assets are, what you hope to accomplish, what’s behind, and what’s ahead. Be thorough and be transparent, even if you think parts of your situation might create an issue. We might be willing to work with you anyway, or we might be able to walk you through specific steps you can take to address areas of concern. What are some common uses for a portfolio loan?  Many of our customers have used portfolio loans to: Purchase a residence after a bankruptcy, short sale, foreclosure, or divorce. Purchase a residence while self-employed. Purchase a residence as a foreign national. Purchase a rental property or a fix-and-flip […]

Employee Spotlight- Mariela Tinajero

Mariela Tinajero, Assistant Electronic Funds Manager | SouthStar Bank Gonzales Annex Mariela Tinajero has been a part of the SouthStar Bank family for the last nine years. She works out of the Gonzales Annex as an Assistant Electronic Funds Manager. In her role, Mariela is responsible for managing all electronic transactions, including wires and ACH payments. Her always-ready-to-help attitude has earned her great respect around the bank. One of Mariela’s most significant career achievements was being awarded the Ride for the Brand award, which recognizes the individuals who have gone above and beyond to uphold the SouthStar Bank brand and standards. In her free time away from the bank, Mariela loves going on motorcycle rides with her husband, working out, and traveling with family. Something that might be surprising about Mariela is that one of her bucket list items is to travel to New York City.

Employee Spotlight- Marci Clanin

Marci Clanin, Portfolio Manager | SouthStar Bank Georgetown A member of the SouthStar Bank Georgetown team, Marci Clanin is a Portfolio Manager for the lending department. An alumna of The University of Texas at Austin, Marci joined SouthStar Bank earlier this year. Since she is still new to the industry, Marci’s favorite aspects of her job are the constant learning and fast-paced environment. When Marci is not at work, she manages her other full-time job as a mom to her 12-year-old son and 10-year-old daughter. In her spare time, she enjoys reading and catching up on her favorite reality tv shows. Two surprising items on Marci’s bucket list are cage diving with sharks and owning a full-sized pig that she would name Chet. Marci Clanin NMLS# 2068290

Employee Spotlight- Lindsey Morkovsky

Lindsey Morkovsky, Senior Vice President/Accounting Manager | SouthStar Bank Moulton Lindsey Morkovsky is the Accounting Manager and a Senior Vice President at SouthStar Bank. An alum of Texas Lutheran University, Lindsey has been with SouthStar Bank for the last nine years and currently offices in the treasury department in the Moulton Headquarters. Her favorite thing about working in the banking industry is that there is always something new to learn and an opportunity to assist others. Outside of work, Lindsey is very involved in her church, Saints Cyril & Methodius Catholic Church, where her husband serves as Deacon. An active runner, Lindsey has run in many competitive runs through the years, including the Boston Marathon in 2019, and is hoping to one day run the New York City Marathon. Her other hobbies include spending time with her family, serving at her church, hiking, camping, and traveling. Lindsey has three kids; two sons and one daughter but is also a grandma to a two-year-old girl, Amitty. Lindsey lives in the country between Moulton and Shiner with her husband Michael, and 12-year-old son Levi, with a dog “stormy,” one pig “big papa,” one horse “skeeter,” three chickens, and many cows.   Her favorite place she has traveled to recently is Italy, visiting Rome, Sienna, and Priano. 

Employee Spotlight – Adriana Alvara

Adriana Alvara, Business Development Officer, Steiner Ranch Branch Adriana completed her bachelor’s degree at The University of Texas at El Paso. She is new to the SouthStar Bank team and is looks forward to developing in her current role.  Adriana is an active member in philanthropic activities, one of her favorites is work with the local food bank and packaging meals for families on Thanksgiving. Her community outreach also includes membership with The Young Hispanic Professional Association of Austin as well as a board member of the El Paso in Austin Network, both organizations focus on raising scholarships for students. Adriana enjoys many hobbies during her free time. She is adventurous and loves being outdoors, she often finds herself scuba diving, hiking and backpacking on trails and mountains. A sports enthusiast, she participates in basketball, Gaelic football, running, and golfing. Adriana has a passion for travel. Her idea of a dream vacation would be on a beach or in the mountains where there is no service and she can unplug.

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