BASIC FUNCTION
Perform all facets of Commercial lending including making outside sales calls through the use of new business development tools, to achieve portfolio loan and deposit goals. Develop and manage loan accounts which meet established lending requirements and provide maximum profitability to the bank with minimum risk. Carry out public relations and participate in local events and organizations to represent the bank and develop new business contacts.

SPECIFIC RESPONSIBILITIES
 Responsible for having knowledge of bank services and cross selling products based on the customer’s financial needs.
 Responsible for establishing customer relationships to assure the ongoing growth of loans and deposits.
 Assist in closing loans.
 Interview loan applicants, collect and analyze financial and related data to determine the general credit worthiness of the prospect and the merits of the specific loan request.
 Establish and negotiate where necessary the terms under which the credit will be extended, including the costs, repayment method and schedule and collateral requirements.
 Collect and analyze information that reflects the creditworthiness of current customers and the current merits of existing loans. Information may be obtained by direct inspection of the applicant’s business and/or collateral, review of interim financial reports and personal interview.
 Monitor loan repayment activities and take necessary action to collect from past due accounts.
 Develop material for, and make loan presentations to the Senior Loan Committee where required.
 Check loan documentation and computations of loan support documentation.
 Monitor credit and collateral exceptions.

MINIMUM QUALIFICATIONS:
 Two years experience in commercial lending, credit risk assessment or proven ability to acquire and manage deposit and lending relationships
 Knowledge of commercial lending underwriting, credit risk assessment and regulatory requirements
 Proven ability to build lasting client relationships and contribute to growing the organization
 Good analytical, communication and negotiations skills

PREFERRED QUALIFICATIONS:
 Three years experience in acquiring new deposit and lending relationships in the local market
 Screen and structure loan requests that meet the bank’s underwriting criteria
 Prepare detailed loan presentations covering cash flow, collateral, debt service and borrower creditworthiness and character
 Complete knowledge of deposit products with emphasis on Treasury products for commercial customers

Description:
The Personal Banker I will be crossed trained for both Customer Service Representative and Teller duties. This position will participate in the daily operations of the branch; including but not limited to, assisting customers with account management and other financial services needs and providing timely
and efficient completion of client transactions while maintaining accurate records and thorough handling of all monies assigned. This position will proactively participate in the sales/quality referral process of the branch as directed by management.

Key Responsibilities:

Service:
• Processes a variety of customer transactions accurately and efficiently in adherence to bank policies and regulations such as cashing checks, processing deposits and withdrawals, loan payments, cash advances, transfers, and issuing monetary instruments
• Enhances customer satisfaction by assisting customers with setup of online products, loan applications, and mobile banking

Sales:
• Achieves personal sales and referral goals by identifying customer needs and recommending banking products and services to help
• Identifies referral opportunities and makes relevant referrals
• Maintains strong collaborative relationships with co-workers, management, and business partners

Operations:
• Works independently on the Platform side on performing duties such as opening/closing various accounts, assisting with courtesy and collection calls (NSFs) as needed, submitting address and name changes; seeks assistance and guidance from leadership when necessary
• Adheres to all operational banking regulations and policies
• Observes branch security procedures and protects customer confidentiality and privacy
• Performs other job related duties such as CTRs, REG CC holds, Dual Control Processes, etc.
• Must comply with BSA/AML/OFAC regulations and guidelines
*Performs other job related duties or special projects as assigned

Requirements:
• One – Four years’ sales relationship and/or cash handling experience preferred
• High School diploma or equivalent (College degree preferred)
• Demonstrates personal integrity, superior salesmanship, service excellence
• Effective listener, team builder, excellent communicator

BASIC FUNCTION

The Treasury Management Officer is responsible for developing, managing, and expanding treasury management relationships with commercial clients and prospects. This position partners with lenders, branch management, and Deposit Operations to identify opportunities, deliver customized cash management solutions, increase treasury management fee income, and support the growth of commercial deposit balances.

The Treasury Management Officer serves as a trusted advisor to business clients by analyzing cash flow processes, recommending efficient payment and receivable solutions, and ensuring a superior client experience throughout implementation and ongoing relationship management.

SPECIFIC RESPONSIBILITIES and JOB DUTIES

• Develop and maintain a pipeline of treasury management opportunities through prospecting, referrals, networking, and relationship-building activities.
• Conduct joint business development calls with lenders and branch personnel to identify treasury management opportunities.
• Meet or exceed annual treasury management sales, deposit growth, and fee income goals.
• Prepare and deliver professional treasury management presentations and proposals to prospective and existing clients.
• Maintain detailed sales activity and pipeline information within the Bank’s CRM system.
• Participate in community and business development events to enhance the Bank’s visibility and generate new business opportunities.
• Communicate client-specific marketing strategies for assigned areas and maintain an effective, active, and volume-driven calling effort.
• Advise clients and prospects on product selection, account structures, and treasury management
• Proactively cross-sell and refer appropriate Bank products and services.

• Follow up with clients and prospects to close sales, obtain executed agreements, and coordinate implementation.
• Serve as the primary treasury management relationship manager for assigned commercial clients by conducting periodic account reviews, identifying service enhancements, and ensuring ongoing client satisfaction.
• Review account and product activity to identify opportunities for additional services and relationship expansion.
• Partner closely with commercial lenders to support business development efforts and deepen overall banking relationships.
• Maintain expertise in ACH Origination, Positive Pay, Remote Deposit Capture, Wire Transfer Services, Merchant Services, Online Banking, Sweep Accounts, Fraud Prevention Services, Commercial Card Solutions, and other treasury management products.
• Provide prompt, efficient, and accurate service in processing client requests and transactions.
• Resolve client inquiries and service issues through professional verbal and written communication.
• Ensure compliance with all applicable federal and state banking regulations, Bank policies, Bank Secrecy Act/Anti-Money Laundering requirements, and Information Security policies.
• Represent the Bank in a professional and courteous manner at all times.
• Regularly travel to offsite locations for business development calls and client meetings.
• Perform other duties as assigned.

SKILLS / ABILITIES

• Strong consultative sales and relationship management skills.
• Demonstrated ability to identify client needs and recommend appropriate treasury management solutions.
• Thorough understanding of commercial banking products, treasury management services, and deposit growth strategies.
• Knowledge of treasury management implementation processes and operational workflows.
• Excellent presentation, negotiation, and communication skills.
• Ability to analyze financial information, cash flow processes, and operational procedures.
• Strong organizational and project management skills with the ability to manage multiple priorities simultaneously.
• Proficiency in Microsoft Office Suite and banking technology platforms.
• Ability to work independently while collaborating effectively across departments.

EDUCATION / EXPERIENCE

• Bachelor’s degree in Business, Finance, Accounting, Marketing, or related field preferred.
• Minimum five years of banking experience, including at least three years of treasury management, commercial banking, business development, or related sales experience.
• Proven record of business development, deposit growth, and relationship management success.
• Experience presenting treasury management solutions to commercial clients and business owners preferred.
• Certified Treasury Professional (CTP) designation preferred but not required.
• Equivalent combinations of education and experience may be considered.
• Experience should demonstrate progressive levels of responsibility within a banking environment.

Description:
Under the guidance of and in teamwork with the Branch Executive, the Operations Manager leads the deposit operations of the branch, including sales
management and employee development. They work with the Branch Executive to develop new deposit and loan business; provides superior level of customer
service, and promotes a sales culture through mentoring and coaching. The Operations Manager oversees the implementation of human resource strategy
that involves cultivating a solid team and leadership according to ValueBank Texas’ core values and mission statement ensuing optimum customer and
employee experience.

Key Responsibilities:

Business/Sales Development:
• Maintains strong collaborative relationships across lines of business
• Prospects and develops deposit growth from existing customers, with product sales including all depository products and ancillary products, such as Merchant Services and Cash Management.
• Professionally maintains a presence in the community and engages center of influences to gain bank exposure by volunteering on boards and committees
• Delivers superior customer service to potential and current customers

Coaching/Mentoring:
• Coaches personnel- including monitoring and evaluating to drive sales performance
• Provides direction for ABM, sets goals, and oversees goal execution
• Manages and effectively communicates with their team to improve performance

Administration:
• Reviews monthly audits, process daily NSFs, conducts quarterly market and performance review, manages account acquisition and attrition
• Ability to operate Platform side by opening new accounts, handling complaints

Performs other job-related duties or special projects as assigned

Requirements:
• College degree preferred and/or relevant years of experience may substitute at discretion of management
• Generally, 2-5 years’ experience in market development, management, new account acquisition; traditional banking preferred but may be substituted at management’s discretion
• Ability to manage and lead a diverse team in a sales culture environment
• Ability to execute strong time management skills
• Ability to effectively communicate, innovate, and inspire a team
• Ability to quickly understand and deal with a business situation in a manner that is likely to lead to a good outcome

BASIC FUNCTION

• Assist customers over the phone and in person while performing various other duties, and maintaining open communication with co-workers, supervisors, and management, while providing professional and courteous service.
• Processes bank’s loans from beginning to end.
• Effectively interacts with Credit Officers, Branch Manager and other staff to provide additional information regarding credit/industry analysis.
• Participates in training programs for staff, new employees and bank personnel; assumes an active role in credit training for new hires.
• Protects bank’s image by keeping information confidential.
• Accuracy and attention to detail in accordance with loan terms, with regulations and guidelines.
• Increases job knowledge by staying up to date on credit industry trends
• Accomplishes bank mission by completing related results as needed.

Skills/Qualifications:

Loan Documentation Experience, Knowledgeable with UCC Lending, analytical and general math Skills, Objectivity, Excellent Communication, Organization, Time Management, and Financial Skills

Job Specifications

• EDUCATION: High school diploma or equivalent required
• EXPERIENCE: 2 years previous experience preferred

Working Conditions:

Office environment

High exposure to computer usage, occasional lifting of boxes up to 25 pounds

BASIC FUNCTION
Assist customers by cashing checks, receiving deposits, and processing other transactions as authorized. Refer questionable transactions to head teller. Balance all transactions processed each business day and provide for the security of assigned cash.  Assist customers in any way possible to improve customer relations.

SPECIFIC RESPONSIBILITIES
1. Maintain a pleasant attitude towards customers; greet all customers with a smile and appropriate vocal greeting. Thank the customer when transaction is completed.
2. Receive deposits and cash checks/withdrawals; verifying 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 the deposit or if an officer’s approval is necessary.
3. Maintain currency and coin supply as prescribed by bank policy; be familiar with all security equipment and safety procedures.
4. Verify currency; wrap and bag coin; mix new currency; and work up mutilated money.
5. Complete a Currency Transaction Report (CTR) for each deposit, withdrawal, exchange of currency, or purchase of cashier’s check which involves currency of $10,000.00 or more.
6. Refer special transactions to 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.
7. Balance daily work by reconciling opening cash balance, cash received, cash disbursed, and closing cash balance.
8. Sell Money Order, Cashier Checks, and Travelers Checks.
9. Make credit card cash advances for customers.
10. Sell and redeems U.S. Savings Bonds (Refer Series HH savings bonds to ABM), accept loan payments and Federal Tax Deposits.
11. Verify night depository bags and envelopes and maintain accurate transaction logs on these items, as assigned.
12. Verify mail deposits and prepare documentation for mailing back to customer, as assigned.
13. Stay abreast of, and promote the bank’s services and cross-sell bank products. Make concentrated effort to solve customer problems.
14. Maintain up-to-date knowledge of existing policies and procedures necessary for performing teller duties, by attending training sessions as they are scheduled.
15. Assist other personnel in completion of end-of-day duties.
16. Perform all other duties as directed by Assistant Operations Manager.
• Monitor amount of account analysis logging done by tellers in comparison to cash flow from vault to determine accuracy.  Make sure logs are submitted to
bookkeeping on a weekly basis.
• Print closed account report weekly. Pull closed signature cards and place in designated area.
• Print new account report daily. Send thank you cards to new customers using standard wording.
• Sort all “hold” mail statements and place in secure area.
• Fill out transmittal for cashier checks and send paperwork to bookkeeping at end of each day.
• Close money order machine and send paperwork to bookkeeping at the end of each day.
• Balance TT&L and fill out transmittal – send totals to bookkeeping at the end of each day.