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• Branch Manager - Yoakum

  We are seeking a Branch Manager for our Yoakum location.

   

  Job Function:

   

  The Branch Manager is responsible for developing new and strengthening existing customer relationships. The Branch Manager coordinates with management in implementing and carrying out bank policy and procedures with respect to overall operations of the branch. The primary focus of this position is to coordinate branch operations related to customer service. The Branch Manager supervises the tellers and customer service reps to achieve desired results in product knowledge and superior customer service as well as developing new business. The Branch Manager must be able to assume any branch task in the event a staff member is unavailable or have a contingency plan in place to meet unforeseen circumstances.

   

  Responsibilities:

   

  · Demonstrates a courteous, pleasant, self-motivated, and dependable behavior. Maintaining a professional environment in both appearance and conduct.

  · Develop a strong, value-added relationship with current and prospective customers by engaging in conversations that uncover their current and future financial needs.

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

  · Solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.

  · Supervises work scheduling and workflow of daily routine operations.

  · Ensures that operations are conducted in accordance with established bank policies and with legal and regulatory requirements.

  · Ensures Branch security. Opens and closes the building in accordance with set hours.

  · Implements changes to established policy and procedures within the Branch.

  · Ensures that all Branch transactions are balanced at the close of each day.

  · Oversees individual accountability for the handling of cash and assists tellers in resolving balancing problems.

  · Controls and handles daily deposits in accordance with established policies and procedures.

  · Periodically verifies cash in possession of tellers, coin machine, and cash on the premises.

  · Coordinates with Market President on scheduling regular meetings with Branch employees to inform and train. Discusses areas needing improvement and changes in procedures.

  · Conducts weekly meetings with Branch management staff to coordinate activities for the following week.

  · Ensures that personnel are well trained in all phases of their respective jobs. Completes orientation of new employees in overall Branch procedures. Performs cross training, as necessary.

  · Owns customer problems until resolution by providing research, solutions and follow-up if needed.

  · Manages the retail employees of the Branch to include hiring recommendations and decision, scheduling, coaching, performance evaluations, salary, and promotion recommendations.

  · Authority to sign Official checks within approved limits.

  · Assist customers with various service duties including opening New Accounts, Safe Deposit Box, and all other customer-oriented services.

  · Actively cross-sells products and services to fully meet the financial needs of the customers as well as strengthen their relationship with the Bank.

  · Refers unusual or suspicious activities or transactions to the BSA officer immediately.

  · Follow CIP and Know Your Customer guidelines in identifying customers.

  · Maintains the security and confidentiality of pertinent information and records.

  · Interpret a variety of instructions furnished in written, oral, diagram or schedule form given by both manager and customers.

  · Assist with customer inquiries which include but are not limited to: Handling debit card disputes, taking wire requests, setting up online banking and troubleshooting assistance, ordering checks and debit cards, etc.

  · Balance and analyze data on various daily reports.

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

  · Fills in and performs duties in various Branch positions as needed.

  · Performs other duties as assigned and directed by management.

   

   

  Qualifications/Skills:

   

  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.

   

   

  · 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; exercises good judgement.

  · Prioritization/Time Management – Ability to assess multiple tasks or issues which are competing for a limited amount of time or resources and effectively determine order in which each will be addressed; ability to set priorities, goals, and timetables to achieve maximum productivity; ability to track both completed and incomplete activities.

  · 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.

  · 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.

  · Teamwork – Strong people management and delegation skills. 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.

  · 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.

  · 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 & Experience:

  High School diploma.

  At least five years of related experience in a financial institution, with a minimum of two years of supervisory experience.

  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.

  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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• Deposit Operations Manager - San Antonio

  We are seeking a Deposit Operations Manager for our San Antonio location.

  The Deposit Operations Manager is responsible for managing the team that handles the daily processing of transactions which may include ACH, Check, Wire and other digitally created items. Process entries and perform input/maintenance as requested. Be able to work in a fast-paced environment that is susceptible to change.

   

  Job Function:

  · Coaches, develops, and mentors deposit operations team; prepares work schedules; and monitors performance.

  · Review processes and procedures to ensure accurate data entry and adherence to compliance regulations and applicable laws.

  · Responsible for holding the deposit operations team accountable for daily assignments such as:

  o Review and balance operational accounts daily

  o Process unpostable and exception items

  o Process incoming/outgoing wire requests promptly

  o Monitor internal ticket portal and process requests promptly

  o Research fraud claims relating to ACHs and/or Checks

  o Input New Accounts and updates as requested

  o Input account holds, levies and/or freezes

  o Process items received through the treasury management and online banking systems

  o Other duties as assigned by management

  · Responsible for the hiring and training of Deposit Operations personnel as necessary.

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

  · Provide guidance to frontline sales staff as needed to ensure seamless account opening and limited errors.

  · Regulatory reporting and compliance.

  · Overseeing proper account documentation.

   

  Equipment / Software:

  · Windows Computer

  · Microsoft Word, Excel, and Outlook

  · Scanner/Copier

   

  Required skills:

  · Strong leadership skills.

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

  · Prior experience with deposit operations.

  · Must have a developed understanding of business entity document requirements.

  · Strong working knowledge of DepositPro

  · 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:

  Financial Services: 2 years (Preferred)

  Back Office Experience: 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 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 Operations Specialist

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

   

  Job Function:

   

  This position is responsible for effectively and accurately managing the exception tracking, working loan operational reports, processing paid off loans for the bank, loan booking, and booking QC as well as achieving individual production goals.

   

  The Loan Operations Specialist has the sole responsibility to apply expertise and judgment on the quality of the loan documentation received, control over exception management, and analysis.

   

  Responsibilities:

  • Provide daily support to the Lenders, Lending Assistants, Credit Analyst and Retail staff.
  • Index loan documents.
  • Work daily operations reports.

  • Update exception tracking items loan files.

  • Process paid loan files including preparing release of collateral.
  • Reviewing proper loan documentation and lien perfection.
  • Handle Escrow processing for Taxes and Insurance; will include contact with Insurance Agents and County offices

  • Other Loan Operation duties such as booking loans, quality control of loan booking and posting payments, etc.
  • Other duties as assigned or as necessary to ensure smooth and correct Departmental operation.

  Equipment / Software:

  • Windows Computer
  • Microsoft Word, Excel, and Outlook
  • Scanner/Copier

   

  Qualifications/Skills:

  • Superior oral and written communication skills, ability to interface with all levels of employees, customers and management.
  • Working knowledge of Laser Pro Documents, Abrigo and/or NuPoint (CSI) a plus
  • 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

  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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• 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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• Credit Analyst - Odessa or San Antonio

  We are seeking a Credit Analyst for one of our two locations:  Odessa or San Antonio

  Job Function:

  The Credit Analyst provides cursory analytical support for commercial banking, including spreading and preliminary analysis of existing customers and prospects. In addition, the credit analyst ensures that proper credit/collateral documentation is obtained, identifies any deviations to loan policy and assists in the ongoing monitoring of credits.

  Responsibilities:

  • Provides support of loan officers and managers through financial statement spreading and analysis of new loan requests and existing credit relationships.
  • Prepares cash flow models for the basis of credit decisions.
  • Prepares basic and preliminary credit analyses to aid in determining the viability of a potential credit opportunity, with supervision of Credit Manager or Credit Analyst III.
  • Provides additional loan agreement / covenant monitoring support to commercial lending and underwriting groups.
  • Provides on-going portfolio management through spreading of on-going required financial statements as they are received from the Bank’s customers.
  • Develops a base understanding of various types of lending facilities as well as a variety of companies and industries.
  • Ensures all departmental documents and activities are performed in compliance with applicable laws, regulations, policies, and procedures as applicable to this position, including completion of required compliance training.
  • Performs other duties and responsibilities as assigned.

  Equipment/Software:

  • MS Office programs
  • Sageworks Credit Risk Software a plus

  Qualifications/Skills:

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

  • Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedures manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Ability to solve practical problems and deals with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram or schedule form.

   

  Education and/or Experience

  • BS/BA Degree in Business, Finance or a related field is preferred.
  • 1-3 years’ work experience preferred.

  Other Qualifications:

  • Ability to manage multiple projects.
  • Strong analytical and organizational skills.
  • Excellent written and verbal communication skills.
  • Proficiency in Microsoft Word and Excel.

  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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  Apply Now
• Teller - Yoakum

  We are seeking a Full Time Teller for our Yoakum Office

   

  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

  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 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