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Open Positions

• Chief Financial Officer

  We are seeking a Chief Financial Officer for one of our 3 locations: San Antonio, Odessa, or Katy

  Job Summary:

  The CFO is responsible for developing, planning, organizing, and directing the fiscal operations of the Bank in accordance with generally accepted accounting principles issued by the Financial Accounting Standards Board, and other regulatory and advisory organizations and in accordance with financial management techniques and practices appropriate within the industry. The CFO is responsible for the direct supervision of the controller and the indirect supervision of all employees in the accounting department. The CFO will provide vision, leadership, and managerial direction required to meet or exceed the growth and profitability objectives of the Bank. As a member of the Bank’s executive management team, the CFO will effectively communicate with the CEO/President, other management team members, the Board of Directors and shareholders with regard to the fiscal control, profitability, and financial feasibility and risk for all areas of the organization.

   

  Primary Duties/Responsibilities:

  This list includes the current primary responsibilities of this position. It is not intended to be all-inclusive and is subject to change, as needed, for the purpose of operational efficiency.

  • Represents the Bank and oneself in a positive, friendly, courteous, and professional manner.
  • Plan, develop, organize, implement, direct, and evaluate the organization’s fiscal function and performance.
  • Administers the investment portfolio to maximize earnings, maintain liquidity, and minimize interest rate risk.
  • Lead the asset/liability management process including; data analysis, preparation of quarterly ALCO reports, and maintaining up-to-date data on interest rates and economic forecasts.
  • Develop financial strategies by forecasting capital, liquidity, facilities, staff requirements, identifying funding sources and developing action plans.
  • Monitor financial performance by measuring and analyzing results; initiating corrective actions; minimizing the impact of variances.
  • Report financial status by developing budgets; report results; analyzing trends/variances and developing improvements.
  • Oversee preparation of various financial reports including quarterly Call Report, FHLB collateral pledging report, Federal Reserve reports relating to the Bank holding company, and other required regulatory reports.
  • Enhance and /or develop, implement, and enforce policies and procedures of the organization by way of systems that will improve the overall operation and effectiveness of the corporation.
  • Provide technical financial advice and knowledge to others within the organization.
  • Administers the internal audit program, ensuring a full scope of coverage and implementation of proper corrective action.
  • Responsible for the formulation and implementation of the company’s tax strategy.
  • Evaluates and reviews merger and acquisition targets.
  • Supervises and directs staff within the accounting department.

   

  Qualification/Skills:

  • Strong interpersonal skills, enabling the individual to successfully work with a diverse group of people.
  • Strong leadership and organizational skills.
  • Possess personal qualities of integrity, credibility, and commitment to the corporate mission.
  • Excellent verbal and written communication skills.
  • Thorough knowledge and understanding of bank accounting requirements.
  • High level of problem-solving skills, enabling the individual to take responsibility and/or risk to resolve situations where the outcome will reflect our commitment to quality and client satisfaction and to respond to changes.
  • Ability to make sound decisions and to react promptly and calmly to unexpected situations.

   

  Education & Experience:

  • Bachelor’s degree required: Accounting, Finance, Management, Business Administration, or related field.
  • CPA certification required/or in process.
  • Previous banking experience, minimum five years management experience, or similar public accounting experience.

   

  Benefits:

  Yoakum National Bank is a competitive employer and provides many benefits from a choice of insurance coverages to company-matched 401k contributions.

   

  Who we are:

  Yoakum National Bank was chartered in 1890 and remains to this day a full-service, local financial institution, focused on providing banking services and personal loans to individuals and small business owners in Texas, especially in the Yoakum, Odessa/Midland, and Katy markets. We are in the growth mode and expect to be growing substantially in size, reach, and range of services over the next several years.

  Yoakum National Bank conducts employment background checks that may be used for decisions related to employment with Yoakum National Bank. Standard background checks performed on final candidates include past employment verifications, criminal history checks on convictions, outstanding arrest warrants within the past seven years and a credit check. Additional background checks relevant to the role may include a motor vehicle registration check. Applicants must be currently authorized to work in the United States on a full-time basis.

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• Lending Assistant - Ganado

  We are seeking a Lending Assistant in our Ganado Branch

  The Lending Assistant serves as the primary coordinator of the loan process and is responsible for helping move loan requests efficiently from application through closing and boarding. While lenders maintain responsibility for the credit relationship and lending decisions, the Lending Assistant is responsible for actively managing the workflow, tracking outstanding items, coordinating with internal and external parties, and ensuring the loan process continues moving forward.

  Success in this role requires a proactive approach, strong follow-up skills, attention to detail, and the ability to balance multiple priorities while maintaining compliance and customer service standards.

   

  The Lending Assistant is expected to:

  • Take ownership of assigned loan files and actively monitor progress throughout the lending process.
  • Consistently follow up with lenders, customers, appraisers, title companies, attorneys, insurance agents, and other third parties to obtain required information and documentation.
  • Anticipate next steps and identify missing information before it creates delays.
  • Develop a thorough understanding of documentation and approval requirements for various loan types.
  • Communicate clearly to customers and lenders regarding outstanding conditions, requirements, and deadlines.
  • Exercise sound judgment in determining which items are critical to approval, closing, or funding and which items may be addressed later in the process in accordance with policy and lender direction.
  • Escalate concerns, delays, missing documentation, exceptions, or compliance issues promptly.
  • Maintain accurate pipeline reports and provide timely status updates on all loans in process.
  • Demonstrate urgency, accountability, and persistence in obtaining information needed to keep files moving toward closing.
  • Serve as a trusted partner to lenders by helping organize, prioritize, and coordinate daily lending activities.

   

  Skills & Knowledge:

  To perform this job successfully, an individual must be able to perform each essential function satisfactorily. The requirements listed below are representative of the knowledge, skill and/or ability required.

  • Exceptional organizational and follow-up skills.
  • Strong sense of ownership and accountability.
  • Ability to manage multiple deadlines simultaneously.
  • Strong analytical and problem-solving skills.
  • Ability to identify missing information and take initiative to obtain it.
  • Excellent written and verbal communication skills.
  • High attention to detail and commitment to accuracy.
  • Ability to work independently with minimal supervision.
  • Ability to maintain confidentiality and exercise sound judgment.
  • Strong understanding of documentation requirements and collateral perfection processes.
  • Ability to effectively prioritize work in a fast-paced environment.

  Education and/or Experience Requirements:

  • High school diploma or equivalent required; associate degree or higher preferred.
  • 1–3 years of banking or financial services experience preferred.
  • Prior experience in commercial lending, loan operations, or loan documentation is a strong plus.

  Customer Service Requirements

  The Commercial Lending Assistant plays a key role in representing the bank’s commitment to exceptional relationship‑based service. This position requires:

  • Prompt, professional communication with customers by phone, email, and in person.
  • Active listening to understand customer needs and provide accurate information or solutions.
  • Timely follow‑up on customer requests, loan documentation needs, and status updates.
  • Maintaining confidentiality and handling sensitive financial information with discretion.
  • Demonstrating patience, empathy, and professionalism, even in high‑volume or time‑sensitive situations.
  • Educating customers on bank processes, required documentation, and next steps in the lending process.
  • Collaborating with internal departments to ensure a smooth, positive customer experience from application through closing and servicing.
  • Representing the bank’s values by building trust, strengthening relationships, and contributing to a positive community‑bank experience.

  Schedule:  Monday to Friday:  8 am – 5 pm (40 hours)

  Benefits:

  Yoakum National Bank is a competitive employer and provides many benefits from a choice of insurance coverages, Paid Time Off, company-matched 401k contributions.

  Who we are:

  Yoakum National Bank was chartered in 1890 and remains to this day a full-service, local financial institution, focused on providing banking services and personal loans to individuals and small business owners in Texas, particularly in the Yoakum, Odessa/Midland, Katy, Ganado, and Edna markets.  We are in the growth mode and expect substantial expansion in size, reach, and range of services over the next several years.

  Yoakum National Bank conducts employment background checks that may be used for decisions related to employment with Yoakum National Bank. Standard background checks performed on final candidates include past employment verifications, criminal history checks on convictions, outstanding arrest warrants within the past seven years and a credit check. Additional background checks relevant to the role may include a motor vehicle registration check. Applicants must be currently authorized to work in the United States on a full-time basis.

   

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• Customer Care Center - San Antonio

  We are seeking a member for our Customer Care Center for our San Antonio office.

  Job Summary

  The Customer Care Center Representative serves as a primary point of contact for customers, delivering exceptional service through phone support and back-office processing. This role is responsible for answering and directing calls, assisting customers with account-related inquiries, and providing solutions that make banking more convenient. A critical function of this position is the handling of all Debit Card and ACH disputes, including timely documentation, tracking, provisional credits, and investigation management.

   

  Essential Job Functions

  • Customer Service & Call Handling
  • · Answer incoming customer calls promptly and professionally
  • · Provide accurate account information, including balances, transaction history, and general product information
  • · Transfer calls to appropriate departments when needed
  • · Respond to customer questions and concerns with professionalism, empathy, and care
  • · Identify customer needs and offer solutions to improve their banking experience

   

  Debit Card & ACH Dispute Management (High Priority Function)

  · Accept and initiate all Debit Card and ACH disputes in compliance with applicable regulations

  · Obtain required customer information and documentation accurately and timely

  · Track disputes through completion and ensure all deadlines are met

  · Send required documentation and correspondence within regulatory timeframes

  · Process and communicate provisional credits when applicable

  · Work collaboratively with internal departments and external vendors to complete investigations

  · Provide clear updates to customers regarding dispute status and resolution

   

  Operational & Off-Phone Duties

  · Perform daily balancing and other assigned operational tasks

  · Maintain accurate records and documentation

  · Assist with additional back-office functions as needed

  · Ensure adherence to bank policies, procedures, and regulatory requirements

   

  Customer Experience & Solutions

  · Deliver consistently high-quality customer service

  · Educate customers on services and tools that make banking easier and more convenient

  · Demonstrate ownership of customer issues through follow-up and resolution

   

  Equipment / Software:

  · Windows Computer

  · Microsoft Word, Excel, and Outlook

  · Polycom phone system

  · Scanner/copier

   

  Required skills:

  · Excellent verbal and active listening skills

  · Ability to communicate clearly, professionally, and calmly

  · Strong customer service mindset with a solutions-oriented approach

  · Ability to explain banking information in plain, easy-to-understand terms

  · Empathy and patience when handling frustrated or concerned customers

  · Analyze details to make a sound decision

  · Ability to work in a fast-paced environment

  · Time management

  · Professional demeanor and positive attitude

  · Willingness to learn and adapt to changing procedures or regulations

  · Ability to work collaboratively with coworkers, supervisors, and other departments

  · Open to feedback and receptive to coaching or process improvements

   

   

  Education:

  High School Diploma

   

  Experience:

  Customer Service: 2 years (Preferred)

  Financial Services: 2 years (Preferred)

   

  Benefits:

  Yoakum National Bank is a competitive employer and provides many benefits from a choice of insurance coverages, Paid Time Off, company-matched 401k contributions.

   

  Who we are:

  Yoakum National Bank was chartered in 1890 and remains to this day a full-service, local financial institution, focused on providing banking services and personal loans to individuals and small business owners in Texas, particularly in the Yoakum, Odessa/Midland, Katy, Ganado, and Edna markets. We are in the growth mode and expect to be growing substantially in size, reach, and range of services over the next several years.

  Yoakum National Bank conducts employment background checks that may be used for decisions related to employment with Yoakum National Bank. Standard background checks performed on final candidates include past employment verifications, criminal history checks on convictions, outstanding arrest warrants within the past seven years and a credit check. Additional background checks relevant to the role may include a motor vehicle registration check. Applicants must be currently authorized to work in the United States on a full-time basis.

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• Teller - Yoakum

  We are seeking a Full Time Teller for our Yoakum Office

  As a Teller with Yoakum Bank, you will be responsible for providing teller services either in the drive thru or the lobby while meeting performance standards and providing quality customer service.

   

  Job Function:

  · Conduct all credit and debit transactions in compliance with established bank policies and procedures.

  · Maintain proper cash on hand and prepare daily settlement of teller cash and proof transactions.

  · Perform additional customer services such as filling change order requests, issuing cashier’s checks, taking loan payments, exchanging negotiable instruments, etc.

  · Managing risk while actively practicing loss prevention.

  · Demonstrate high level of accuracy and efficiency when conducting client transactions.

  · Promote, represent, and welcome current and potential customers, employees, and vendors to the bank in a professional and inviting manner.

  · Lead and encourage a positive working environment with a can-do attitude which fosters our core values.

  · Perform other related duties assigned.

   

  Skills & Knowledge:

  · Accuracy and Quality – Ability to achieve a high standard with work processes and outcomes, can complete tasks with a concern for all details involved; monitors and checks work for precision, clarity, and completeness; produces quality results.

  · Customer service – Ability to provide internal and external customers with the highest quality of customer service that meets their needs, in a timely, efficient, and professional manner; ability to follow up on customer complaints, questions or requests.

  · Verbal Communication – Ability to express ideas effectively and speak clearly in individual or group situations, adjusting style and methods to meet specific needs of the audience; attentively listens to others to gather data and paraphrase meaning to verify understanding.

  · Written Communication – Ability to use correct English grammar, punctuation, and spelling; communicates information (facts, ideas, or messages) in a succinct and organized manner; produces written information which may include technical material that is appropriate for intended audience.

  · Dependability – Ability to make self available for work on a consistent and timely basis with infrequent unplanned absences; ability to ensure work responsibilities are covered when absent; ability to follow instructions and respond to managements directions.

  · Teamwork – Ability to work cooperatively with others as part of a formal or informal team to accomplish Bank goals; ability to respect the needs, ideas, and contributions of others; ability to contribute to and accepts consensus; ability to subordinate own objectives to the bank or their team. Ability to focus on solving conflict, not blaming; ability to maintain confidentiality.

  · Continuous Learning – Ability to take responsibility for own learning and development by acquiring and refining of technical and professional skills needed in job related areas; ability to proactively seek performance feedback and identify approaches to improve own performance.

  · Teller/Cash Drawer Handling Experience.

  · Knowledge of general banking policies /procedures.

  · Basic skills operating a personal computer including Microsoft Word, Microsoft Excel, Microsoft Outlook, OneNote and navigating the internet.

  · Typing Speed Minimum: 30 wpm, 0 errors.

  · Completing clerical tasks such as filing, photocopying, scanning, and organizing.

   

  Education:

  Required:

  High School Diploma

   

  Benefits:

  Yoakum Bank is a competitive employer and provides many benefits from a choice of insurance coverages to company-matched 401k contributions.

   

  Who we are:

  Yoakum Bank was chartered in 1890 and remains to this day a full-service, local financial institution, focused on providing banking services and personal loans to individuals and small business owners in Texas, particularly in the Yoakum, Odessa/Midland, Katy, Ganado, and Edna markets. We are in the growth mode and expect to be growing substantially in size, reach, and range of services over the next several years.

  Yoakum Bank conducts employment background checks that may be used for decisions related to employment with Yoakum Bank. Standard background checks performed on final candidates include past employment verifications, criminal history checks on convictions, outstanding arrest warrants within the past seven years and a credit check. Additional background checks relevant to the role may include a motor vehicle registration check. Applicants must be currently authorized to work in the United States on a full-time basis.

  Is this you?

  Apply Now