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

Gold & Silver Star (G&S) is an affiliate of ValueBank Texas.  The company sells gold & silver bullion, coins, and jewelry to the retail public, primarily from space within ValueBank Texas branches.

Basic Functions

This employee will be employed by Gold & Silver Star, but will be a dual employee with ValueBank Texas, performing duties within the branch.  Primarily, the employee will perform skilled sales techniques to market and sell G&S products, provide excellent customer service to precious metals customers, and conduct all inventory management.  Secondarily, the employee will participate in the daily operations of the branch, functioning as a Personal Banker; 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.

Gold & Silver Star Responsibilities

Sales & Customer Service:

• Work with Executive Management to develop and implement sales growth strategies
• Answer phones and take orders for precious metals or jewelry customers and assist with any questions they may have.
• Make sales and repurchases. Verifies sales transactions to sales tax report. Packages and mails repurchase coins back to supplier as necessary.

Bookkeeping:

• Responsible for all computer input. Enters all computer receipts, repurchases, sales and transfers daily.
• Approves all bills to be paid by the Corporation.
• Runs monthly financial reports for the Board of Directors.
• Responsible for the filing of the 1099B reports for repurchases each year.

Inventory Management:

• Responsible for the ordering of precious metals and jewelry. Initiates regular purchases of inventory.  Sets up codes and pricing of all merchandise.  Verifies all inventory received.
• Responsible for making payments and approving all purchases of inventory as needed.
• Current physical inventory counts must be kept on all merchandise. Verifies all branch physical inventory reports and branch sales.
• Determines pricing of repurchases according to current market prices.

 *Performs other job-related duties or special projects as assigned

ValueBank Texas Responsibilities

Customer 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

 Prerequisites:

• 1-4 years’ sales relationship in jewelry, pawn and/or retail experience including knowledge of and maintaining inventory

• 1-4 years’ bookkeeping experience preferred.
• High school diploma or equivalent (college degree preferred)
• Demonstrates personal integrity, superior salesmanship, service excellence

Working Conditions:

• Office environment

• High exposure to computer usage
• Occasional lifting of boxes up to 25 pounds