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Join our growing team.

Growing team and careers at yoakum national bank Growing team and careers at yoakum national bank

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 a growth mode and expect to be growing substantially in size, reach, and range of services over the next several years.

Key Benefits

  • Choice of insurance coverages
  • Company-matched 401k contributions
  • Competitive paid time off

Open Positions

  • We are seeking a Loan Document Specialist to join our team! This role can be done from the YNB Yoakum, Odessa, or Katy offices.

    The Loan Document Specialist will be responsible for preparing and reviewing loan documentation according to approved terms and conditions and loan policy. The 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.

    Essential Duties and Responsibilities:

    • Performs all necessary functions for document preparation, including, but not limited to:
      • Comprehensive file reviews 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 as well as rate and structure meet loan policy.
    • 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).
    • Indexing of final loan file into imaging system.
    • Placing holds on internal deposit accounts (cash secured loans).
    • Provide excellent customer service to lending staff and co-workers.
    • Other job duties as assigned.

    Skills and Abilities:

    • Prior experience in 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.

    Is this you?

    Apply now
  • Yoakum, TX 77995, Full-time

    We are seeking a Lending Assistant to join our team.

    You’ll work as a team with Lenders and Loan Operations to facilitate the application, collateral perfection, and closing of both Consumer and Commercial Loan requests. This role will involve extensive contact with customers and the public both in person and on the telephone.

    If you are an enthusiastic “people person,” detail-oriented, good at analyzing information and resolving problems, you should apply right away!

    Essential Duties and Responsibilities:

    • Answers telephone calls, resolve customer inquiries within the prescribed authority, and when necessary direct calls to the appropriate loan officer.
    • Provides administrative assistance to loan officers.
    • Obtains information related to the consumer loan origination process including: ordering appraisals, environmental reports, credit reports, RESPA
      documents, preliminary title reports, customer identification verifications, UCC Searches, insurance information, flood certificates and various other
    • Prepares and maintains “applications in process/pipeline reports.”
    • Compiles data and prepares other loan-related reports as directed by Chief Credit Officer.
    • Assists lending officers in the preparation of pre-funding worksheets, loan documentation checklists, loan document preparation, funding, and
      closing of loans.
    • Creates/starts collateral and credit files.

    Qualifications Requirements:

    • 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.
    • Ability to provide courteous, knowledgeable, and professional customer service both in person and on the telephone.
    • Ability to perform a wide range of administrative and secretarial skills.
    • Strong/advanced skills operating a personal computer including Microsoft Word, Microsoft Excel, Microsoft Outlook, and navigating the internet.

    Required Education and/or Experience:
    An associate degree (AA) or equivalent from a two-year college or technical school or knowledge typically gained through a minimum of three (3) years progressively responsible experience in a high demand, multi-tasked professional administrative or secretarial position; or an equivalent combination of education and experience.

    Skills and Abilities:

    • Minimum Typing Speed Required: 30 wpm, 0 errors
    • Language Skills: Ability to read and interpret documents such as safety rules, operating instructions, procedure manuals, policies, and
      memorandums. Ability to write routine correspondence and communicate effectively and tactfully, orally and in writing with fellow employees,
      customers, vendors, and management.
    • Mathematical Skills: Ability to add, subtract, multiply and divide into all units of measure, using whole numbers, common fractions, and decimals.
    • Ability to use a basic calculator. Ability to compute rates, ratios, and percent and the capability to calculate figures and amounts such as discounts
      and interest.
    • Reasoning Ability: Ability to solve practical problems and deal 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.

    Is this you?

    Apply now
Phillip Fitch senior vice president and commercial lender of yoakum national bank
My favorite part of the job is knowing the customer when they walk through the door and working with them to achieve their goals.
Phillip Fitch, Sr. Vice President - Commercial Lender

YNB’s Core Values

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    We’re committed to you for the long haul, helping in ways you didn’t know possible.

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    We bring a wide range of experience and insights to the table to better serve you.

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    We put our money where our mouth is with quick answers and no “slow maybes.”

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    We know the importance of giving back to the people who got us here.

Strength in Diversity

Helping people navigate big things requires more than experience. It takes empathy and the ability to put yourself in someone else’s shoes to understand where they’re coming from and where they want to be. And we believe that sort of ability comes from having a diverse team able to help anyone.

In that spirit, Yoakum National Bank is an equal opportunity employer that does not tolerate discrimination in the workplace.

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 NCUA Administrative and Prohibited Orders, ChexSystems, past employment verifications, criminal history check on convictions, and outstanding arrest warrants within the past seven years. Degree verifications are conducted if listed on the employment application. Additional background checks relevant to the role may include a motor vehicle registration check, credit check, and/or fingerprint card. Applicants must be currently authorized to work in the United States on a full-time basis.