Careers

cash management specialist - san angelo

Job Title: Cash Management Specialist

Reports to: Operations Officer

Location: San Angelo, TX

Summary

The Cash Management Specialist is responsible for performing operational support duties of the Cash Management Department and provides a full range of professional, technical, and general support to Bank personnel and customers.

Essential Duties and Responsibilities

Performs customer setup on the system; reviews and maintains customer files; monitors product usage and system operations; resolves problems within given authority. Helps in the coordination and support of audits and examinations. Performs a variety of routine daily tasks; prepares reports. Participates in special department projects.
Answers phones and provides support to bank personnel and customers regarding Cash Management issues including resolution and follow up. Communicates all customer issues/problems to management immediately.
Computer proficiency required. Comfortable diagnosing and solving technical issues over the phone and via email.
Establishes and maintains relationships with business customers related to Cash Management services.
Provides Cash Management product support by reviewing set up documentation for accuracy and completing system set up of Cash Management services for business customers.
Prepares daily/monthly reports and exception reports for Cash Management services.
Assists in the coordination and support of RDC/ACH risk assessments.
Travels to client's place of business for equipment installations.
Completes system set up of Account Analysis accounts.
Excellent time management, organization, and communication skills.
Responsible for timely completion of required training applicable to the position and effective application of such training in the performance of the position.
Responsible for compliance with applicable laws, rules and regulations impacting Cash Management services.
Ability to analyze Cash Management product set ups and trouble shoot problems which may arise with customer's Cash Management services, internet service or PC. Interacts with vendors to handle system or customer support issues.
Provide problem resolution to both internal and external customers in support of customer retention and satisfaction objectives of the bank. Work closely with the bank's business customers in a diplomatic and responsive manner to meet the customers' needs.

Education & Experience

High School diploma or equivalent.
Minimum of two years previous banking experience preferred.

Knowledge, Skills and Abilities:

Knowledge of bank operations and Cash Management products including but not limited to Online Banking, RDC, ACH, Positive Pay, and Wire Transfer.
Ability to discuss bank products with customers in a courteous and professional manner both over the telephone and in person.
Ability to organize and prioritize work and manage projects.
Proficiency with Microsoft Office.
Knowledge of Federal regulations such as Reg D, Reg E, Reg J, and others relating to wire transfers preferred.

Work Environment

Ability to operate office machines and equipment, such as personal computers, printers, copy machines, fax machines, calculators, and telephones.
Ability to communicate clearly with customers, co-workers, and others both in-person and on the telephone.
Work activities involve combinations of sitting/standing for extended periods up to 5 hours at a time, kneeling, bending, pushing, lifting, and carrying.
Ability to perform repetitive finger, hand and arm movement.
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

loan officer - boerne

Job Title: Loan Officer

Reports to: Branch Manager

Location: Boerne, TX

Summary

The loan officer is responsible for developing new business, structuring and closing of consumer and commercial loans, as well as maintaining and servicing an existing portfolio. Proactively executes integrated sales, service and relationship strategies to support growth and retention of commercial clients that have borrowing needs for complex commercial, consumer and/or mortgage loans.

Essential Duties and Responsibilities

Maintain a working knowledge of Bank policies, procedures, and pertinent lending regulations.
Responsible for originating, underwriting, closing and servicing loans.
Maintaining and cultivating customer relationships for the bank.
Analyzing and presenting loan requests to the appropriate committee.
Monitor an existing consumer loan portfolio to ensure proper risk ratings and early identification of potential problems.
Conduct a daily review, approval and disposition of consumer overdrafts.
Meets with customers as necessary during various stages of the lending process.
Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
Stay abreast of new types of loans and other financial services and products in order to better meet customer’s needs.
Meet with applicants to obtain information for loan applications and to answer questions about the process.
Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
Monitors loan repayment activities and takes necessary action to collect from past due accounts.
Aggressively seeks and obtains quality new business through client and prospect calls, referrals and cross selling efforts.
Responsible for sales, credit analysis, proper loan structuring, and client interviewing.

Education & Experience

A high school degree or equivalent is required.
Bachelor’s degree in finance, business or economics preferred.
A minimum of three years previous experience in loan operations (funding, servicing, processing); bank or credit union experience preferred.
Formal credit training preferred.
Thorough knowledge of the financial services industry, indirect & direct lending products (auto loans) and services.

Knowledge, Skills and Abilities:

A strong understanding of lending and collection methods and regulations are required.
The ability to effectively communicate both orally and in written form with management, internal and external customers is required.
A strong understanding of regulatory and legal requirements pertaining to the banking industry is required.
Must be self-motivated and have an ability to work independently as well as in a team setting.
High integrity and confidentiality required.

Certifications

Lending school is preferred.

Work Environment

Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of sitting and computer use. In addition, travel between bank branches and to customers and events is required.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

personal banker - boerne

Job Title: Personal Banker

Reports to: Branch Manager

Location: Boerne, TX

Summary

Provides a friendly atmosphere to make the customer feel at ease during the interview process for opening of new deposit accounts, completing consumer loan applications, and processing cash/deposit transactions. Provides information on all deposit accounts and consumer loan products and to cross-sell the Bank’s products.

Essential Duties and Responsibilities

Greet customers promptly upon their arrival in the bank lobby. Conduct professional interactions with the customers throughout all transaction processes.
Open new accounts (checking, savings, certificates of deposit and IRAs).
Order checks for customers and produce temporary checks.
Issue ATM Debit cards.
Open safe deposit boxes and provide access to boxes for customers.
Promptly answer phones.
Provide customer service, answering questions about their accounts and providing research as requested.
Helping customers with Online Banking and Mobile Banking
Process deposits, cash checks, and change orders for customers.
Process night drop deposits and mail deposits. Maintain records for audit.
Sell Cashier’s Checks, Money Orders and Gift Cards.
Balance Cash Vault daily.
Redeem Savings Bonds.
Prepare Compliance Audits as required for Internal Audits.
New accounts input, (Loans, DDA, and Savings).
Process stop payment request and input on system.
Process wire transfer request and prepare Wire Transfer form for Wire Department.
Customer service-answer phones, research and balancing customer accounts.
Balance and Supply ATM weekly.

Education & Experience

High School diploma or equivalent.
Previous Teller or Personal Banker experience preferred.

Knowledge, Skills and Abilities:

Excellent organizational skills required.
Ability to communicate in a professional manner and quickly assess and prioritize customer needs when assisting customers who may be are upset or angry.
Excellent verbal, written and interpersonal communication skills required; including keen ability to communicate genuinely conveying respect, dignity and cheerfulness with all levels of staffing.
Ability to coordinate with employees across department lines.
Ability to use sound judgment when routing calls and providing information to callers.
Regular and punctual attendance is required.
Knowledge and use of computers and 10-key machines.
Ability to handle confidential information in a professional manner.
Completing assigned tasks within the deadline provided.

Work Environment

Qualified applicants must be able to work in a fast- paced environment and exhibit sound judgment in making decisions related to the overall health of the bank.
Position requires extended periods of standing, sitting, and computer use. In addition, travel between branches and to customers and events may be required.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Credit Underwriter

Job Title: Credit Underwriter

Reports to: Chief Credit Officer

Location: Boerne, Bulverde, San Angelo, TX

Summary

Under limited supervision, responsible for the quantitative and qualitative analysis of applicant requests for business loan requests including complex ownership structures and cash flow sources. Assess collateral values and credit risk and prepare detailed, written credit approval packages for presentation to loan committee. Spread and analyze personal and business financial statements and tax returns. Administration of appraisals and evaluations is also required.

Essential Duties and Responsibilities

Provide assistance and support to loan officers by performing analysis on financial statements, tax returns, and cash flow for borrowers. This includes, but is not limited to:
- Researching client’s banking relationship and credit history
- Determining strengths and weaknesses of the credit
- Appropriately analyzing collateral values
- Identifying and mitigating policy exceptions
- Analyzing financial trends (income statements, cash flow, etc.)
- Request additional information as needed from the loan officer and occasionally, the customer directly
- Maintain a current knowledge of banking/financial terminology and regulations. Must be detail oriented and be able to read, understand, and closely follow bank’s loan policy and all pertinent standard operating procedures
- Through careful analysis, to determine the likelihood of repayment and identify all material risks and mitigants
Analyze credit data and financial statements and other financial information to determine the degree of risk involved in extending credit or lending money.
Present credit analysis in loan committee with Senior Management including director loan committee.
Evaluate customer needs and assess sources and uses of cash and appropriately structure debt within credit policy parameters while fully mitigating exceptions to policy.
Spread financial statements in Bank software and analyze output, analyze trends, ratios, cash flow, and changes in the balance sheet and synthesize information to ask questions and present pertinent info in credit presentations.
Understand differences in industries and geographic locations and the impact of micro and macroeconomic events as they may impact a particular customer or group of customers.
Understand industry metrics and compare performance and risk status.
Maintain a strong working knowledge of Bank policies and pertinent lending regulations.
Strong understanding of risk grading policy of the Bank and regulators and application to each borrowing relationship.
Calculate financial ratios, cash flow, debt service, etc. and understand the materiality of each borrowing situation.
Provide support for lending officers, Credit Manager and Senior Management as needed.
Understand and apply Bank appraisal policy and administration in a consistent manner. Order property evaluations and reviews of evaluations and appraisals.
Participate in training opportunities as presented.
Maintain regular and reliable attendance.
Perform related duties and responsibilities as required including assisting with special projects and requests from Senior Management.
Perform other duties necessary to keep the loan function of the bank performing efficiently and effectively.

Education & Experience

A Bachelor’s Degree is required. Bachelor’s in Finance or Accounting is preferred.
A minimum of two years of bank experience and commercial credit analysis is required.

Skills:

Ability to read, comprehend and interpret financial statements, tax returns, aging statements and covenants. Accounting background/education is a plus. Basic understanding of accounting and financial statements including relationship between statement of cash flows to the income statement and balance sheet is required.
Commercial underwriting experience is required.
Understanding of appropriate loan structuring concepts.
Understanding company formation structures and ability to identify borrowing and guaranty structures.
Working knowledge of loan documents, collateral instruments and banking/financial terminology.
Strong organizational and time management skills.
Effectively work with the Bank’s Central Loan Processing group and working knowledge of the department’s responsibilities.
Effective time management skills are necessary along with the ability to multi-task and consistently follow up in a timely and effective manner.
Strong knowledge of Microsoft Office products, including Word and Excel.
Ability to maintain a professional demeanor and appearance at all times that ensures appropriate and professional behavior and communications with customers and staff.
Ability to work effectively as part of a team.
Ability to develop and maintain working knowledge of bank policies, procedures, and systems.
Fluency in the English language.
A strong understanding of mathematical and quantitative concepts is required.
Outstanding oral and written communication and presentation skills are required.
Must be able to maintain effective interpersonal relationships with both internal and external customers as effective gathering and exchanging complex information is required.
Proficiency with various technologies, especially with spreadsheet software is required.
Independent decision making and effective deductive reasoning.
This position requires the ability to multi-task while meeting deadlines and maintaining attention to detail.
Prior experience with financial spreading software is preferred.

Certifications

None required

Work Environment

Ability to operate office machines and equipment, such as personal computers, printers, copy machines, fax machines, calculators, and telephones.
Ability to communicate clearly with customers, co-workers, and others both in-person and on the telephone.
Work activities involve combinations of sitting/standing for extended periods up to 5 hours at a time, kneeling, bending, pushing, lifting, and carrying.
Ability to perform repetitive finger, hand and arm movement.
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Personal banker - San angelo

Job Title: Personal Banker

Reports to: Branch Manager

Location: San Angelo, TX

Summary

Provides a friendly atmosphere to make the customer feel at ease during the interview process for opening of new deposit accounts, completing consumer loan applications, and processing cash/deposit transactions. Provides information on all deposit accounts and consumer loan products and to cross-sell the Bank’s products.

Essential Duties and Responsibilities

Greet customers promptly upon their arrival in the bank lobby. Conduct professional interactions with the customers throughout all transaction processes.
Open new accounts (checking, savings, certificates of deposit and IRAs).
Order checks for customers and produce temporary checks.
Issue ATM Debit cards.
Open safe deposit boxes and provide access to boxes for customers.
Promptly answer phones.
Provide customer service, answering questions about their accounts and providing research as requested.
Helping customers with Online Banking and Mobile Banking
Process deposits, cash checks, and change orders for customers.
Process night drop deposits and mail deposits. Maintain records for audit.
Sell Cashier’s Checks, Money Orders and Gift Cards.
Balance Cash Vault daily.
Redeem Savings Bonds.
Prepare Compliance Audits as required for Internal Audits.
New accounts input, (Loans, DDA, and Savings).
Process stop payment request and input on system.
Process wire transfer request and prepare Wire Transfer form for Wire Department.
Customer service-answer phones, research and balancing customer accounts.
Balance and Supply ATM weekly.

Education & Experience

High School diploma or equivalent.
Previous Teller or Personal Banker experience preferred.

Knowledge, Skills and Abilities:

Excellent organizational skills required.
Ability to communicate in a professional manner and quickly assess and prioritize customer needs when assisting customers who may be are upset or angry.
Excellent verbal, written and interpersonal communication skills required; including keen ability to communicate genuinely conveying respect, dignity and cheerfulness with all levels of staffing.
Ability to coordinate with employees across department lines.
Ability to use sound judgment when routing calls and providing information to callers.
Regular and punctual attendance is required.
Knowledge and use of computers and 10-key machines.
Ability to handle confidential information in a professional manner.
Completing assigned tasks within the deadline provided.

Work Environment

Qualified applicants must be able to work in a fast- paced environment and exhibit sound judgment in making decisions related to the overall health of the bank.
Position requires extended periods of standing, sitting, and computer use. In addition, travel between branches and to customers and events may be required.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

Operations Support – Call Center Rep

Job Title: Operations Support – Call Center Rep

Reports to: Operations Manager

Location: Boerne, TX; San Angelo, TX

Summary

Call Center Representatives deliver quick reliable service by actively listening to customers request for service and working to troubleshoot and resolve customer issues in a timely manner. In addition, they help customers protect their accounts by reviewing suspicious activity reissuing compromised debit and credit card and maintaining confidentiality.

Essential Duties and Responsibilities

Provide customer service primarily by phone to external customers by responding to balance inquiries, debit card, online banking, bill pay and deposit account questions and issues, and other requests for assistance.
Supports the products and services of the bank by interfacing with other departments and employees in positive friendly attitude to ensure timely and effective customer service.
Performs various operations functions and special projects as needed from time to time and assists others to complete tasks and work assignments.
Process stop payment request, address changes, modify account profile information, etc.
Process returned mail. Place check orders.
Process online banking and bill pay requests.
Process and fulfill requests for account research.
Support internal staff regarding department products and functions.
Responsible for Social Security Administration electronic verification of deposits.
Assist with other Verification of Deposit request.
Perform debit card maintenance as requested by customer and document approval.

Qualifications

High School diploma or equivalent.
Minimum of two years previous banking or customer service experience preferred.

Knowledge, Skills and Abilities:

Must be able to multi-task.
Good listener, must have excellent organizational, writing, communication and telephone skills.
Able to make decisions with minimum supervision.
Highly reliable with the ability to maintain regular attendance and punctuality.
Aptitude for issue identification and problem solving.
The ability to thrive in a fast-paced environment where change and ambiguity are prevalent.
An aptitude for conflict resolution and problem solving.
The ability to demonstrate good judgement when making decisions involving account inquiries and problem resolution.
Excellent interpersonal skills and the ability to build relationships with your team and customers.
Bilingual Spanish – Beneficial

Work Environment

Ability to operate office machines and equipment, such as personal computers, printers, copy machines, fax machines, calculators, and telephones.
Ability to communicate clearly with customers, co-workers, and others both in-person and on the telephone.
Work activities involve combinations of sitting/standing for extended periods up to 5 hours at a time, kneeling, bending, pushing, lifting, and carrying.
Ability to perform repetitive finger, hand and arm movement.
Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

teller - san angelo

Job Title: Teller Service Representative

Reports to: Branch Manager

Location: San Angelo, TX

Summary

Carry out the duties and responsibilities of a paying and receiving teller, performing each transaction or service in an efficient manner while maintaining a pleasant and courteous demeanor to promote quality relationships and customer satisfaction.

Essential Duties and Responsibilities

Greet customers promptly upon their arrival in the bank lobby. Conduct congenial professional interpersonal interactions with the customers throughout all transaction processes.
Take deposits, cash checks, and do change orders for customers.
Work night drop deposits and mail deposits and send receipt to customer.
Sell Cashier’s Checks, Money Orders, and Travelers checks. Balance bank checks weekly.
Balance Cash Vault and ATM on a daily basis.
Order savings bonds for customers and also cash them in.
Remit customer’s Tax Deposits on a daily basis.
New accounts input, (Loans, DDA, and Savings).
Take stop payment information and input on system.
Take wire transfer information and prepare Wire Transfer form for Wire Department.
Customer service-answer phones, research and balancing customer accounts.
Prepare CTR’s as needed for deposits and withdrawals of currency over $10,000.00.
Prepare Compliance Audits as required by Internal Auditor.
Attend Bank training and Seminars as required.
Other duties as assigned by Supervisor.

Qualifications

Education & Experience

A High School diploma or equivalent.
Teller experience and cash handling preferred but not required.

Skills

Knowledge and use of computers and 10-key machines.
Ability to exercise sound judgment when taking deposits and cashing checks.
Ability to handle confidential information in a professional manner.
Ability to work in a fast-paced environment.
Must possess excellent verbal, written and interpersonal communication skills; including keen ability to communicate genuinely conveying respect, dignity and cheerfulness with all levels of staffing.
Ability to handle confidential information in a professional manner and quickly assess and prioritize customer’s needs when handling customers that are upset or angry.
Ability to coordinate with employees in multiple departments.
Attention to detail.
Completing assigned tasks within the deadline provided.
Regular and punctual attendance is required.

Work Environment

Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of standing, some light lifting and computer use. In addition, travel between bank branches and to customers and events is required.

Physical Demands. The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this Job, the employee is regularly required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee is frequently required to stand. The employee is occasionally required to walk; climb or balance and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

loan processor - boerne

Job Title: Loan Processor

Reports to: Chief Credit Officer

Location: Boerne, TX

Summary

Primarily responsible for the monitoring and completing of loan exceptions including but not limited to CIFs, loan docs, past dues, and DDAs. Handling the entire documentation workflow on consumer and commercial real estate loans from initial disclosure through closing and correspondence with all parties involved. Secondarily responsible for the preparation of other consumer and commercial loan documents, payment extensions, and modifications. Will also be responsible for booking loans into the core system after the loan documents have been executed.

Essential Duties and Responsibilities

Review loan presentation for proper approval and completion, including supporting documentation.
Correcting loan exceptions via: account research for possible misfiling, contacting 3rd party company (such as insurance companies or tax appraisal offices) via phone or online options, as a last resort we will contact the officer, so they can contact customer and request the missing documents from them directly.
Upon receipt of missing document (exception), will need to be filed in the proper location.
Other responsibilities will include HMDA data input and monthly balancing and reporting of SBA, Credit Life, Federal Home Loan Bank, Blanket Mortgage and booking loans.
Determine borrower and guarantor legal classification and review appropriate entity documents.
Ensure all pre-funding requirements and exception waivers are obtained, ensuring compliance with any pre-funding requirements.
Ensure compliance with policies and procedures related to loan documents as detailed in the Loan Policy.
Generate appropriate disclosures as required by law.
Coordination of all required documentation preparation, data gathering and customer contact workflow through closing, including title company and attorney correspondence.
Provide a high level of customer/branch service, timely review and competitive turnaround times for all loan closings.
Perform other duties as requested by management.

Education & Experience

High school education or equivalent is required.
At least one year experience working as a loan processor in the banking or credit union industry.
Strong knowledge in working with loan exceptions.
Excellent interpersonal and communications skills are required.
Must demonstrate a high level of attention to detail, inductive reasoning and high accuracy using computer system to enter large volume of complex information is required.
Able to function effectively in a high volume, time sensitive environment is required.
Must be self-educating and able to work with little direct supervision is required.
Extensive complex Commercial RE and Consumer RE loan documentation and closeout workflow experience, including interim construction and land development is preferred.
Previous general consumer and commercial loan experience is also preferred.
Experience in using automated document preparation software is preferred.
Provide loan research for lenders when called upon.
Balances various accounts.
Keying daily work received from the branches.
A working knowledge of loan documents and disclosures insuring prior to loan closing that adequate documentation is in order. Accurately preparing loan documents. Ordering title work and appraisals.

Skills

Proficiency in Excel and Word.
Ability to communicate clearly in both written and oral forms.
Must be highly motivated, responsible and able to work under pressure.
Attention to detail and accuracy is essential.
Must possess good interpersonal skills and be able to communicate effectively.
Must be able to work within a team environment.
Above average computer skill dealing with Microsoft suite of products. Jack Henry experience is a plus.
Regular and punctual attendance is required.

Work Environment

Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank and its employees. Position requires extended periods of sitting and computer use.

Duties as listed in this description are not meant to be all inclusive and the employer reserves the right to add, alter, or delete duties as seen fit, with or without notice.

Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.

Apply today!

Sonora Bank provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status. In addition to federal law requirements, Sonora Bank complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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