Careers

It's not just a job, it's a way of life.

What separates Sonora Bank from the competition are the people inside--our team members. Our focus is to make sure that everyone who interacts with Sonora Bank has access to the best in customer service. And, we are looking for talented individuals who are passionate about helping others, hardworking and friendly to join us in our journey.

Our Commitment

At Sonora Bank, we believe in giving back to the communities where we live and work. When you join the Sonora Bank family, you will become part of a team that genuinely cares about making our communities a better place. Each year, the Sonora Bank team volunteers thousands of hours in our local communities. In addition, we are proud to provide significant funding to local organizations and charities.

Our Values

Female customer using car charging station

Safety of each other, our customers and the assets we are entrusted with

Integrity in how we work with each other, our customers and the communities where we operate

Diversity & Inclusion creating a culture that welcomes and respects all employees and customers and where everyone feels included

Open Work Environment that welcomes and encourages ideas and differing opinions without fear of retaliation

Customer Service that goes above and beyond to welcome customers to our Bank and treat them with respect and dignity at all times

Environment is considered, and included, in the way we conduct our business and the way we work to minimize our footprint

Explore Sonora Bank Job Opportunities

If you are looking for a place where you can make an impact, check out one of the great opportunities listed below!

Mortgage Loan Processor-San Angelo

Job Title: Mortgage Loan Processor

Reports to: Mortgage Loan Officer

Location: San Angelo, TX

Summary

Provide direct assistance to the Mortgage Loan Officer. Process, underwrite, close, and fund Secondary loans. Provide a friendly atmosphere to make the customer feel at ease during the interview, documentation gathering and closing process for loans of all types (e.g. FNMA, Freddie Mac, FHA, VA, USDA, etc.).

Essential Duties and Responsibilities

Maintain a working knowledge of all types of secondary financing and their guidelines.
Understand and know RESPA, Reg Z, HMDA and all other applicable lending regulations.
Perform an analysis of financial information; including analyzing tax returns, pay stubs, and bank statements.
Process, close, and fund all types of secondary loans; including Conventional, FHA, VA, USDA, etc.
Analyze appraisals for secondary market requirements.
Maintaining and cultivating customer relationships including relationships with title companies and realtors.
Other duties as assigned by management.

Education & Experience

A High School education is required.
Two years of Real Estate experience preferred.
Banking experience preferred.

Knowledge, Skills and Abilities:

Proficiency in Excel and Word
Working Knowledge of financial statement requirements
Working knowledge of general loan documentation requirements for all types of secondary loans
Ability to communicate clearly in both written and oral forms
Must be highly motivated, responsible and able to work under pressure
Regular and punctual attendance is required
Individual should posses good interpersonal skills
Individual should be able to work within a team environment
Ability to handle confidential information in a professional manner
Ability to respond in a courteous and helpful manner to customers who are angry or upset

Work Environment

Must be able to work under pressure and exhibit good judgment in making decisions pertaining to the overall health of the bank. 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.

Insurance Brokerage Accountant - Boerne

Job Title: Insurance Brokerage Accountant

Reports to: Chief Financial Officer of Bank

Location: Boerne, TX

Summary

The Accountant keeps accurate records of agency financial transactions, monitors delinquent accounts, prepares monthly statements and financial reports, and answers customer questions regarding billing issues. The Accountant uses the agency
automation system to manage and monitor the General Ledger, Accounts Receivable, and Accounts Payable. The Accountant also informs agency management, monthly or as needed, on the status of the financial statement. Meets Agency Standards for timeliness and accuracy. This position will report to the Bank CFO while working closely with the President of the insurance company and its employees. This position does not require a CPA or other accounting designation. An experienced bookkeeper for an insurance brokerage agency is sufficient.

Essential Duties and Responsibilities

Enters commission checks, return premium checks, customer payment checks, and other payments in the automation system.
Maintains an accounts receivable balance of less than 10% monthly.
Reconciles the agency’s A/P to the bank’s A/R on a monthly basis.
Administers and conducts the Month End Closing Process and accurately prepares Month End Reports for management, maintaining a clean Subsidiary Ledger.
Reconciles all cash receipts, bank statements, and other accounts monthly.
Prepares all bank deposits and inter-account bank transfers, as directed by management.
Reconciles Direct Bill Company statements with automated system reports via automated system.
Receives and renews all incoming invoices and prepares and mails payment checks, coding invoices accurately to the General Ledger, and keeping payables up to date.
Works with insureds to resolve payment problems and to ensure low level accounts receivables.
Review financial statements for accuracy and clarity and closing of books quickly after month-end.
Performs budget vs. actual analysis on a monthly basis.
Manage company annual budget including periodic forecasting and analysis.
Assist in ongoing development of systems, policies and controls.

Other Duties and Responsibilities

Proper and timely reporting to CFO and others in the organization. Will work closely with the President of the Insurance company while reporting to the Bank CFO.
Performs other accounting responsibilities, as requested or assigned by management.
Performs other miscellaneous duties, as assigned or requested by agency management.

Knowledge, Skills and Abilities:

Experience working in an insurance agency.
Bachelor’s degree in Accounting/Finance, or equivalent in experience.
Computer processing skills, general accounting and bookkeeping training, record keeping practices and training, or related job experience of greater than two years in a similar position.
Proficient knowledge of Excel, problem solving, and analytical skills required
Ability to perform mathematical calculations accurately, including percentages, fractions, decimals, and simple mathematical formulae.
Ability to solve practical problems and follow written, verbal, or other instructions with several concrete variables.
Attention to detail and the ability to organize complex information neatly and accurately.
Ability to compose original correspondence, write reports, have effective interaction with people, and to communicate ideas and receive and process information from others.
Ability to learn a systematic approach to accounting and to follow the approach without direction to maintain the integrity of the financial data of the agency.
Ability to perform light physical work, 80% sedentary in nature, exerting up to 10 lbs. of force frequently, and up to 20 lbs. of force periodically. Activities include repetitive keyboard fingering, grasping, lifting, shifting of paper, reaching, bending, stooping, and crouching.
Ability to operate computer equipment, business equipment and other general office equipment, including telephones and fax machines.
Requires ability to receive detailed information through oral communication.

Work Environment

Fast-paced environment with significant telephone and personal disruption. Large number of multiple steps in complex system performed with accuracy and speed is essential to the successful completion of tasks.
This job description is intended to describe the level of work required by the person performing the work of the positions and physical requirements normal to the position. Principal duties outlined are the essential responsibilities and duties and other duties may be assigned as needs arise or as required to support principal duties.
This description is not intended as a contract and is subject to change and revision as needs arise. Any written contractual agreements will supersede this job description. All requirements may be modified reasonably to accommodate physically or mentally challenged staff members.

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!

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!

Credit Underwriter - Boerne, Bulverde, San Angelo

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!

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

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!

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

Apply today!

Sonora Bank Equal Employment Opportunity Statement

sonora bank history

Our Roots Run Deep

Sonora Bank is a Texas Tradition in Banking, opening its doors in 1900 in Sonora, Texas.

Learn more about our history and vision for the future in banking.