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Explore Sonora Bank Job Opportunities
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.
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Maintain a working knowledge of Bank policies, procedures, and pertinent lending regulations.
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Responsible for originating, underwriting, closing and servicing loans.
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Maintaining and cultivating customer relationships for the bank.
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Analyzing and presenting loan requests to the appropriate committee.
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Monitor an existing consumer loan portfolio to ensure proper risk ratings and early identification of potential problems.
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Conduct a daily review, approval and disposition of consumer overdrafts
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Meets with customers as necessary during various stages of the lending process.
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Analyze potential loan markets and develop referral networks in order to locate prospects for loans.
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Negotiate terms, structure loan financing based on risk considerations and present credits for approval to appropriate levels of authority with the bank as required.
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Stay abreast of new types of loans and other financial services and products in order to better meet customer’s needs.
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Meet with applicants to obtain information for loan applications and to answer questions about the process.
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Support the bank’s strong relationship banking culture through on-going customer contact, quality customer service and superior product knowledge.
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Monitors loan repayment activities and takes necessary action to collect from past due accounts.
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Aggressively seeks and obtains quality new business through client and prospect calls, referrals and cross selling efforts.
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Responsible for sales, credit analysis, proper loan structuring, and client interviewing.
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A high school degree or equivalent is required.
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Bachelor’s degree in finance, business or economics preferred.
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A minimum of three years previous experience in loan operations (funding, servicing, processing); bank or credit union experience preferred
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Formal credit training preferred.
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Thorough knowledge of the financial services industry, indirect & direct lending products (auto loans) and services.
- 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.
The Operations Specialist performs various daily tasks related to the back-office operations of the bank as well as handle functions that may have a regulatory, monetary, and potential reputational risk impact. Functions are time sensitive and must be adhered to by means of policy and procedures.
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Responsible for processing incoming and outgoing wire transfers, ACH files, returned deposited items, cash letter, exception item processing adjustments.
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Analyze, correct, and complete posting of non-posted items. Process non-sufficient funds items in accordance with decisions made regarding payment or returning the items.
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Processes debit card disputes in accordance with Regulation E and MasterCard Visa rules.
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Provide support and assistance to internal customers by serving as a resource on all deposit related topics and concerns.
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Review various operations / exception reports and monitor accounts with special instructions, taking steps to address items on the reports.
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Perform daily reconciliation of internal bank accounts, general ledgers, and adjustments as assigned.
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Assist Operations Department with other special projects as assigned.
Cross train for other job functions as back up as needed in the department. -
Keeps abreast of industry changes that will improve job function and performance.
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May perform other duties as assigned.
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High school degree or equivalent. Previous bank experience preferred.
Knowledge of Jack Henry Silverlake banking software is helpful. -
Excellent communication skills, detail oriented, ability to work independently.
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Effective verbal, written, and interpersonal communication skills with the ability to instruct others, train personnel, write reports, correspondence, and procedures, and speak clearly to customers and employees.
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Ability to research, interpret, analyze, and report operations data.
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Ability to make sound decisions, prioritize work, handle pressure, and meet deadlines.
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Ability to work in a fast- paced environment and facilitate a team environment.
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Flexible and adaptable to a changing environment.
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Knowledge with Microsoft Office.
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Resolve debit card and ATM card fraud and other dispute cases by communicating with members, processing chargebacks, completing necessary documentation, and tracking progress of cases to completion.
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Process orders and maintenance requests for debit ATM cards.
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Work with card processing and ATM vendors to investigate and resolve cardholder and terminal problems in a timely manner.
- Review ATM balancing reports provided by the vendor and research all ATM outages and discrepancies in a timely manner.
- High School diploma or equivalent.
- Two years bank operations preferred
- Compliance with Bank Secrecy Act and Anti Money Laundering rules required.
- The ability to multi-task using multiple screens and systems while talking on the phone with customers.
- Excellent organizational, written, and oral communication skills
- The ability to multi-task across multiple systems and screens while speaking to customers.
- Must be customer service oriented (empathetic, responsive, patient, and conscientious)
- Strong team orientation and customer focus with a positive attitude.
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.
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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.
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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.
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Computer proficiency required. Comfortable diagnosing and solving technical issues over the phone and via email.
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Establishes and maintains relationships with business customers related to Cash Management services.
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Provides Cash Management product support by reviewing set up documentation for accuracy and completing system set up of Cash Management services for business customers.
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Prepares daily/monthly reports and exception reports for Cash Management services.
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Assists in the coordination and support of RDC/ACH risk assessments.
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Travels to client's place of business for equipment installations
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Completes system set up of Account Analysis accounts.
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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.
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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.
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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.
- High School diploma or equivalent. Minimum of two years previous banking experience preferred.
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Knowledge of bank operations and Cash Management products including but not limited to Online Banking, RDC, ACH, Positive Pay, and Wire Transfer.
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Ability to discuss bank products with customers in a courteous and professional manner both over the telephone and in person.
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Ability to organize and prioritize work and manage projects.
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Proficiency with Microsoft Office.
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Knowledge of Federal regulations such as Reg D, Reg E, Reg J, and others relating to wire transfers preferred.
- 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.
Manages all aspects of bank core system and software projects. Involved with technology acquisitions, upgrades and maintenance as it relates to the core and third-party systems. Educate bank training coordinators and other employees as needed to efficiently use existing bank software and new software that is implemented.
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Research technology solutions to address needs or create efficiencies and make recommendations.
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Review and evaluate proposals from vendors for suitability to the bank’s software systems.
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As the point of contact on assigned projects, performs a variety of duties such as: assembling, coordinating and managing review teams.
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Responds to inquiries about projects.
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Report and update the status of projects
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Assists other departments with plans, goals, objectives, policies and procedures involving current or new software.
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Coordinate installation and upgrade of bank software.
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Plan and Execute testing and implementation of bank software.
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Facilitates and troubleshoots problems associated with implementation of bank software.
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Educate employees on new software or upgrades to existing bank software.
- Provides technical and management advice and assistance to department management and personnel as it relates to bank software.
- Monitor performance and maintain the bank’s current software according to requirements.
- Troubleshoot problems with existing systems, contacting current system provider if needed.
- Assist in the creation of contingency plans in the event of network failure as it pertains to the bank’s software.
- Perform password & profile maintenance as needed in conjunction with IT department.
- Bachelor’s degree in a technical discipline or equivalent experience
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Ability to effectively communicate orally and in written form.
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Demonstrate the ability to anticipate and solve problems or resolve issues.
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Good interpersonal and organizational skills.
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Ability to work in a fast-paced environment
Must be able to work under pressure while multi-tasking. 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.
Ready to build your future with Sonora Bank? Send your resume and cover letter to hr@sonorabank.com.