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Open Positions

• Assistant Credit Administrator

  We are seeking an Assistant Credit Administrator for one of our 3 locations: Yoakum, Odessa or San Antonio

   

  Job Function:

   

  The Assistant Credit Administrator will be responsible for supporting the Credit Administrator and is responsible for the overall credit quality of the bank.

   

  Responsibilities:

  · Provide daily support to the Lenders, Lending Assistants, Credit Analyst and Loan Operations Teams.

  · Assist Credit Administrator with ongoing monitoring, credit management & reporting to the Board as required.

  · Identify and address potential risk in the loan portfolio as assigned by the President/CLO.

  · Maintain, update, and recommend changes to the Bank’s loan policies and procedures including but not limited to, underwriting criteria, loan approval authorities, structure requirements, risk tolerance levels, portfolio concentrations, financial information, and analysis requirements.

  · Provide guidance to lenders as appropriate. Works with lenders toward structuring credit solutions that meet client needs and fit within the risk appetite of the Company. Follow the Bank’s Information Security policies, ensuring that the processing and handling of all customer information and confidential bank information is done in a secure manner.

  · Working with Loan Operations to ensure “tickler” reports are updated and available to loan officers and management.

  · Portfolio management including ALLL, concentrations, delinquencies, asset quality and safety and soundness. Oversee the accuracy and timeliness of asset classification. Oversee and verify that foreclosure and/or repossession process was done correctly and followed legal guidelines and identified the foreclosure and servicing errors.

  · Regulatory reporting and compliance.

  · Overseeing proper loan documentation and lien perfection.

  · Create, assess and/or update processes within the lending teams to ensure accuracy and compliance with Loan policy as well as regulatory guidelines.

  · Responsible for the hiring and training of Credit Analyst and Loan Operations personnel as necessary.

  · Responsible for timely responses to audits and immediate correction of any findings.

  Qualifications/Skills:

  · Strong leadership skills.

  · Superior oral and written communication skills, ability to interface with all levels of employees and management.

  · Prior loan documentation experience which includes consumer, commercial and real estate loans.

  · Must have a developed understanding of business entity document requirements and perfecting various collateral liens.

  · Working knowledge of consumer real estate compliance requirements.

  · Strong working knowledge of Laser Pro

  · Proficient Microsoft Word, Excel, and Outlook (e.g., create new documents, edit existing files, create tables, sort/filter data, print documents, generate new records, email, and calendaring)

  · Strong attention to detail and able to take direction.

  · Ability to interpret and apply laws and regulations.

  · A strong commitment to customer service, ability to multi-task in dynamic business environment, able to meet constant deadlines.

  · Ability to independently identify resolutions to documentation and/or deadline issues.

  · Written communication skills including grammar, spelling, and composition.

  · Must have ability to prioritize a variety of tasks, meet deadlines and work well under pressure.

  Education:

  High School Diploma

   

  Experience:

  2+ years supervisory experience

  5+ Years in loan documentation experience (preparation and review)

  Financial Services: 2 years (Preferred)

  Working with Laser Pro a plus

  NuPoint experience a plus

   

  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 both from Yoakum, Texas and from the surrounding South Texas area. 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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• Loan Document Specialist

  We are seeking a Loan Document Specialist for one of our 3 locations: Yoakum, Odessa or San Antonio

   

  Job Function:

   

  The Loan Document Specialist will be responsible for preparing and reviewing loan documentation according to approved terms and conditions and loan policy. Position will be responsible for working with lending staff to resolve or clarify any possible deficiencies in loan packages presented for document preparation or review.

   

  Responsibilities:

  · Performs all necessary functions for document preparation, including, but not limited to: comprehensive file review for commercial, consumer and real estate secured loans. Compliance documentation for consumer real estate, and vendor work included with requests. Generating new loan documentation through Laser Pro and providing closing packages to title companies and/or lending assistants as necessary.

  · File review of collateral files/supporting documentation for existing and renewed loan requests for documentation preparation.

  · Prepare loan documentation revisions/changes as requested.

  · Email lending assistant/lender any deficiencies, discrepancies or missing documents needed to complete the request.

  · Review loan approval for verification of appropriate lending authority, adherence to policy requirements and rate and structure requirements on Consumer Loans.

  · Verify all CIP information for borrower or supporting entity documentation has been provided and satisfies policy requirements.

  · Self-review transaction and documents against loan approval.

  · Send documents to Title Company or lending assistant/lender.

  · Complete Collateral Perfection of lien (if applicable).

  · Placing holds on internal deposit accounts (cash secured loans).

  · Provide excellent customer service to lending staff and co-workers.

  · Other job duties as assigned.

  Qualifications/Skills:

  · Prior loan documentation experience which includes consumer, commercial and real estate loans. Experience with TRID documentation preferred.

  · Must have a developed understanding of business entity document requirements and perfecting various collateral liens.

  · Working knowledge of consumer real estate compliance requirements.

  · Strong working knowledge of Laser Pro

  · Proficient Microsoft Word, Excel, and Outlook (e.g., create new documents, edit existing files, create tables, sort/filter data, print documents, generate new records, email and calendaring)

  · Superior oral and written communication skills, ability to interface with all levels of employees and management.

  · Strong attention to detail and able to take direction.

  · Ability to interpret and apply laws and regulations

  · A strong commitment to customer service, ability to multi-task in dynamic business environment, able to meet constant deadlines.

  · Ability to independently identify resolutions to documentation and/or deadline issues.

  · Written communication skills including grammar, spelling, and composition

  · Must have ability to prioritize a variety of tasks, meet deadlines and work well under pressure.

  Education:

  High School Diploma

   

  Experience:

   

  Financial Services: 2 years (Preferred)

  Loan Documentation Experience: 2 years (Preferred)

   

  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 both from Yoakum, Texas and from the surrounding South Texas area. 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.

  Is this you?

  Apply now
• Teller

  We are seeking a Full Time Teller for our Odessa Branch

   

  As a Teller with YNB, 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 preparing 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

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

  Benefits:

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

  Is this you?

  Apply now