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Title Credit Analyst
Location Coprus Christi, Texas
Job Type Full-Time
Job Description

Summary:

Analyzes credit data to estimate degree of risk involved in extending credit or lending money to firms or individuals by performing the following duties.

Essential Duties and Responsibilities include the following. Other duties may be assigned.
Performs credit analysis and account management (in conjunction with the applicable Loan Officer) on a portfolio of assigned credit relationships

• Contacts customers/borrowers to request specific information, and discusses and resolves issues pertaining to company’s business, financial status, and credit risk.
• Prepares summaries, presents facts, and offers opinions concerning credit-worthiness.
• Analyzes borrower’s business method of operation, operating environment, financial condition, and operating performance to determine borrower’s repayment ability.
• Assists loan officer in timely identification of developing problems within the loan portfolio.
• Examines accounting issues and scrutinizes financial statements.
Performs financial spreads for preliminary evaluation of credit. Evaluates credit reports.
• Assists Credit Manager with projects.
• Confers with Loan Officers in order to resolve problems with applications or missing information.
• Periodically compiles and presents to Senior Loan Committee data exhibiting economic and market trends of the Bank’s loan area.
• Assists in the filing and monitoring of deficiency judgments in justice court.

Education/Experience:

Bachelor’s degree from an accredited four-year college or university; or 1-2 years related experience and/or training; or an equivalent combination of education and experience.

Skills:

The incumbent to this position must possess strong analytical skills as well as excellent written and verbal communication skills, good interpersonal, communications, and organizational skills. They must be able to conduct research projects with minimal supervision/guidance. They must be able to work on diversified projects while meeting deadlines. The incumbent must be able to work under pressure and assist Department when required, and be able to work extra hours when required by workload or projects.
Proficiency in Excel and Word is required.

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Title FT-Teller
Location CoastalBend Area
Job Type Full-Time
Job Description

This position assists customers by cashing checks, receiving deposits, and processing other transactions as authorized; refers questionable transactions to the Head Teller; balances all transactions processed each business day and provides for the security of assigned cash; and assists customers in any way possible to improve customer relations.

RESPONSIBILITIES AND JOB DUTIES

 Customer relations: Maintains a pleasant attitude towards customers by promptly greeting them with a smile and an appropriate verbal salutation. Thanks the customer when the transaction has been completed.
 Receives deposits, cashes checks, and processes withdrawals.
 Verifies endorsements and customer balances on any checks larger than the amount specified in the Check Cashing Policy.
 Determines whether immediate credit should be given on a deposit.
 Determines if a bank officer’s approval is needed for the transaction.
 Maintains currency and coin supply as prescribed by bank policy.
 Verifies currency.
 Wraps and bags coin.
 Mixes new currency.
 Works up mutilated money.
 Completes a Currency Transaction Report (CTR) for each deposit, withdrawal, exchange of currency, or purchase of cashier’s check that involves currency of $10,000 or more.
 Refers special transactions to a supervisor for approval, such as exchanging or depositing large amounts of currency, processing large withdrawals, cashing checks that are not covered under the Check Cashing Policy.
 Balances daily work by reconciling opening cash balance, cash received, cash disbursed, and closing cash balance.
 Sells money orders, cashier’s checks, and traveler’s checks.
 Makes credit card advances for customers.
 Sells and redeems U.S. Savings Bonds. Refers Series HH Savings Bonds to Head Teller.
 Accepts loan payments and federal tax deposits.
 Verifies mail deposits and prepares documentation for mailing back to the customer, as assigned.
 Stays abreast of and promotes the Bank’s services. Cross-sells Bank products.
 Makes a concerted effort to solve customer problems without the need to escalate to a supervisory level.
 Maintains up-to-date knowledge of existing policies and procedures necessary for performing teller duties. Attends training sessions as scheduled.
 Maintains familiarity with all security equipment and safety procedures.
 Assists other personnel in completion of end-of-day duties.
 Performs all other duties as directed by the Head Teller.
• Monitors amount of account analysis logging done by tellers in comparison to cash flow from vault to determine accuracy. Makes sure logs are submitted to bookkeeping on a weekly basis.
• Prints closed account report on a weekly basis. Pulls closed signature cards and places in the designated area.
• Prints new account reports on a daily basis. Sends thank you cards to new customers using standard wording.
• Sorts all “Hold” mail statements and places in a designated secure area.
• Fills out transmittal forms for sale of cashier’s checks and sends paperwork to bookkeeping at the end of each day.
• Closes money order machine and sends paperwork to bookkeeping at the end of each day.
• Balances TT&L and fills out transmittal form. Sends totals to bookkeeping at the end of each day.
• Performs other duties as assigned.

MINIMUM QUALIFICATIONS

• High school diploma or GED certificate
• Prior cash handling experience.

Apply Now


Title PT- Teller
Location CoastalBend Area
Job Type Part-Time
Job Description

BASIC FUNCTION

This position assists customers by cashing checks, receiving deposits, and processing other transactions as authorized; refers questionable transactions to the Head Teller; balances all transactions processed each business day and provides for the security of assigned cash; and assists customers in any way possible to improve customer relations.

RESPONSIBILITIES AND JOB DUTIES

 Customer relations: Maintains a pleasant attitude towards customers by promptly greeting them with a smile and an appropriate verbal salutation. Thanks the customer when the transaction has been completed.
 Receives deposits, cashes checks, and processes withdrawals.
 Verifies endorsements and customer balances on any checks larger than the amount specified in the Check Cashing Policy.
 Determines whether immediate credit should be given on a deposit.
 Determines if a bank officer’s approval is needed for the transaction.
 Maintains currency and coin supply as prescribed by bank policy.
 Verifies currency.
 Wraps and bags coin.
 Mixes new currency.
 Works up mutilated money.
 Completes a Currency Transaction Report (CTR) for each deposit, withdrawal, exchange of currency, or purchase of cashier’s check that involves currency of $10,000 or more.
 Refers special transactions to a supervisor for approval, such as exchanging or depositing large amounts of currency, processing large withdrawals, cashing checks that are not covered under the Check Cashing Policy.
 Balances daily work by reconciling opening cash balance, cash received, cash disbursed, and closing cash balance.
 Sells money orders, cashier’s checks, and traveler’s checks.
 Makes credit card advances for customers.
 Sells and redeems U.S. Savings Bonds. Refers Series HH Savings Bonds to Head Teller.
 Accepts loan payments and federal tax deposits.
 Verifies mail deposits and prepares documentation for mailing back to the customer, as assigned.
 Stays abreast of and promotes the Bank’s services. Cross-sells Bank products.
 Makes a concerted effort to solve customer problems without the need to escalate to a supervisory level.
 Maintains up-to-date knowledge of existing policies and procedures necessary for performing teller duties. Attends training sessions as scheduled.
 Maintains familiarity with all security equipment and safety procedures.
 Assists other personnel in completion of end-of-day duties.
 Performs all other duties as directed by the Head Teller.
• Monitors amount of account analysis logging done by tellers in comparison to cash flow from vault to determine accuracy. Makes sure logs are submitted to bookkeeping on a weekly basis.
• Prints closed account report on a weekly basis. Pulls closed signature cards and places in the designated area.
• Prints new account reports on a daily basis. Sends thank you cards to new customers using standard wording.
• Sorts all “Hold” mail statements and places in a designated secure area.
• Fills out transmittal forms for sale of cashier’s checks and sends paperwork to bookkeeping at the end of each day.
• Closes money order machine and sends paperwork to bookkeeping at the end of each day.
• Balances TT&L and fills out transmittal form. Sends totals to bookkeeping at the end of each day.
• Performs other duties as assigned.

MINIMUM QUALIFICATIONS

• High school diploma or GED certificate
• Prior cash handling experience.

Apply Now


Title IT Analyst
Location Corpus Christi, Texas
Job Type Full-Time
Job Description

Job Description

The individual will provide hardware and software maintenance. Apply proven communication, analytical, and problem-solving skills to help identify, communicate and resolve systems issues. Provide systems support and service, and/or designing and implementing new systems and modification/maintenance to existing applications.

RESPONSIBILITIES

 Provides application support and troubleshoot computing equipment and software, including moderately complex needs analysis, configuration, installation, moves, and changes for supported locations.
 Determine root cause of issues that arise and participate in the development of the solution.
 Performs research and repair activity, including vendor coordination, necessary to ensure computer service for supported locations.
 Identifies, isolates, and repairs equipment and software affecting computer network service to all supported locations.
 Tests applications and equipment with minimal supervision.
 Formulates and defines systems scope and objectives through research and fact-finding to develop or modify moderately complex information systems.
 Develops training material/documentation.
 Able to travel between branch locations and providing onsite support when needed.
 Help Desk Administrator (Track-IT software).
 The movement of computer equipment between branches as needed.
 Participates in standing meetings as necessary,
 Performs other duties and special projects as assigned by manager.

Qualifications

Required knowledge and skills

• High School diploma or GED.
• A minimum of three (3) years of IT experience, Microsoft Office products, Windows Operating Systems, and/or direct computing support activities including knowledge of equipment, application software, and operating system software.
• Knowledge of equipment, application software, and operating system software.
• Knowledge of relevant technical language, and the ability to translate it at an appropriate level.
• Ability to contribute to group tasks that are within established guidelines.
• Ability to determine tasks that are beyond current scope and seek assistance.
• Ability to understand both how and why tasks need to be completed.
• Ability to establish effective working relationships.
• Ability to attend meetings and contribute when needed.
• Ability to identify, analyze, and research an issue, and formulate a solution and/or recommendation for review.
• Ability to communicate effectively through written and verbal methods in order to interact with internal and external contacts as well as all levels of management.
• Ability to travel up to 10% as requested.
• Ability to read and interpret company policies, regulatory guidelines, and other work-related documentation.
• Ability to abide by confidentiality requirements when working with sensitive information, results, and communications.
• Skill in providing thorough, efficient, and effective customer service to individuals at all levels within the organization.
• Ability to accomplish work within required timelines, including short, long, and emergency timeframes.
• Ability to work with others to accomplish challenging assignments.
• Ability to multi-task and prioritize multiple assignments to ensure completion of tasks within stated time requirements.
• Basic skill using Microsoft Office programs (i.e., Word and Excel).

Preferred knowledge and skills

• Bachelor’s degree in Computer Science or related area preferred.
• Knowledge of financial institution and operations preferred.

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Title FT Teller-Rockport
Location Rockport, Texas
Job Type Full-Time
Job Description

This position assists customers by cashing checks, receiving deposits, and processing other transactions as authorized; refers questionable transactions to the Head Teller; balances all transactions processed each business day and provides for the security of assigned cash; and assists customers in any way possible to improve customer relations.

RESPONSIBILITIES AND JOB DUTIES
• Monitors amount of account analysis logging done by tellers in comparison to cash flow from vault to determine accuracy. Makes sure logs are submitted to bookkeeping on a weekly basis.
• Prints closed account report on a weekly basis. Pulls closed signature cards and places in the designated area.
• Prints new account reports on a daily basis. Sends thank you cards to new customers using standard wording.
• Sorts all “Hold” mail statements and places in a designated secure area.
• Fills out transmittal forms for sale of cashier’s checks and sends paperwork to bookkeeping at the end of each day.
• Closes money order machine and sends paperwork to bookkeeping at the end of each day.
• Balances TT&L and fills out transmittal form. Sends totals to bookkeeping at the end of each day.
• Performs other duties as assigned.

MINIMUM QUALIFICATIONS

• High school diploma or GED certificate
• Prior cash handling experience.

Apply Now


Title FT-Teller-Port Aransas
Location Port Aransas
Job Type Full-Time
Job Description

This position assists customers by cashing checks, receiving deposits, and processing other transactions as authorized; refers questionable transactions to the Head Teller; balances all transactions processed each business day and provides for the security of assigned cash; and assists customers in any way possible to improve customer relations.

Minimum Qualifications:
High School Diploma or GED Certificate
Prior cash handling experience preferred

Apply Now


Title Universal Banker
Location Richmond, Texas
Job Type Full-Time
Job Description

Summary:
This position assists customers by cashing checks, receiving deposits, and processing other transactions as authorized; balances all transactions processed each business day and provides for the security of assigned cash; and assists customers in any way possible to improve customer relations, other responsibilities and job duties may be assigned, provides administrative and operational support within the bank’s lending function; knowledgeable with all existing and emerging services, deposit and loan products, guidelines, incentives and rate sheets.

Ensure timely funding of a loan by working with Loan Officers and Loan Representatives. Prepare and underwrite each Loan file, closely checking ratios and FICO scores, making sure a complete package is in place before sending to the investor. Underwriting commercial loans and processing and reviewing loans in EZ Lender. This entails running credit reports; review loan checklists to make sure that all documentation has been received and completed; work with title companies and attorneys to get documents prepared for loan closing; and fund loans and process loan advances either internally or via wire transfer. Additional duties include scanning documents into Aurora; pulling the officer exception list report and keeping it current; and assisting the Commercial Lender with various tasks as needed.

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Title Bookkeeping Proof Clerk
Location Corpus Christi, Texas
Job Type Full-Time
Job Description

BASIC FUNCTION:
Handle proof reject re-entry and work with Branches to correct proof branches. Produce debit cards. Capture signature cards and set on system. Reconcile Teller accounts.

Specific Responsibilities:

Proof reject re-entry
Work with Branches to correct proof batches
produces debit cards to mail
Receive mail
Backup Duties
System Backup
Other duties as assigned

Relations and Contacts
Reports to: Proof Manager
Maintain open communication with customers, co-workers, supervisors, and managment providing professional and courteous service.

Education:
High School Graduate or Equivalent

Apply Now


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