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
• Develop material for, and make loan presentations to the Senior Loan Committee where
• 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

Description:
The Branch Operations Manager leads and directs business development, sales management and employee development. Develops new deposit and loan business; provides superior level of customer service, and promotes a sales culture through mentoring and coaching. The Branch 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, credit portfolio, product sales including, Merchant Services and Business Solutions and reports directly to the Head of Retail.
• 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 branch 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 branch 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 and execute strong time management skills
• Ability to effectively communicate, innovate, inspire
• Ability to have a keenness and quickness in understanding and dealing with a business situation in a manner that is likely to lead to a good outcome

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

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.  As a Personal Banker/Float, you must be willing to float to other local branches in the bay area as needed.

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
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 Branch 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.

Sitting and standing for long periods required.  Must be able to lift 25 lbs

Description:
The Assistant Operations Manager leads operations, promotes service and sales, and employee development in the Operations. The AOM provides superior level of customer service, promotes a service and sales culture through mentoring and coaching, and develops new deposit and loan business. The AOM is responsible for implementing human resource strategies that involve cultivating a solid team, leadership according to ValueBank Texas’ core values and mission statement, and focus on delivering the best customer and employee experience.
Key Assistant Responsibilities:
Operations:
• Manages Operations personnel including training, mentoring, staffing, scheduling, prioritizing, and delegating work assignments
• Responsible for opening new accounts and maintaining customer relationships
• Performs monthly, quarterly and annual audits, reviews accounts for CIP exceptions
• Audit bank vault, buying and selling of cash, ensuring regulations such as REG CC holds are done properly, balance and replenish ATM according to bank policy
• Must comply with BSA/AML/OFAC regulations and guidelines

Business Development/Sales Development:
• Maintains strong collaborative relationships with relative business lines, partners, and peers
• Strengthens and maintains customer relationships by cross selling products and delivering superior customer service
• Participates in bank sponsored community volunteer projects and assignments to increase bank’s visibility
• Identifies referral opportunities and makes relevant referrals across lines of business

Employee Development:
• Leads and follows up on action plans to improve employee experience
• Does observations to evaluate and mentor team to encourage stronger performance
• Supports Retail Operations Manager in their external market/business development objectives by managing to superior service and sales
*Performs other job-related duties or special projects as assigned

Requirements:
• College degree preferred (relevant years of experience can be substituted at discretion of management
• Generally, 1-2 years’ experience in managing a team, may be substituted at management’s discretion
• Demonstrates people leadership in a service-driven sales culture