Careers

Essential Duties and Responsibilities

• Meet with the President / CEO / Chairman of the Board for Sonora Bank to access the direction of the company and ensure the company’s compliance with the stated mission.
• Overseeing the operation of the company and ensuring all goals are met based on the company’s budget plan.
• Oversee all business development, sales, marketing, and customer service for the agency.
• Maintain awareness and knowledge of the company’s daily finances.
• Analyze budget and financial reports.
• Provide consistent and accurate communication to carriers, underwriting and agents through verbal and written communication.
• Know the submission procedure for all types of commercial lines and personal lines policies.
• Timely execution of quoting new business and processing renewal commercial lines policies.
• Maintain client database accurately and consistently documenting all communications with client.
• Foster a positive and collaborative relationship with all insurance carriers and brokers.
• Develop and educate marketing strategies, leveraging digital channels, social media platforms, and community outreach to promote the agency, enhance brand visibility, attract new clients, and establish partnerships with local businesses and organizations as referral sources to expand market presence and generate leads.

• Maintain current knowledge of all federal and state laws and regulations, along with the Bank’s policies and procedures.
• Ensure proper identification and adherence to the Bank’s BSA Program including, but not limited to; CIP, CDD/EDD/ADD, OFAC and record keeping and retention requirements.
• Performs daily review, monitoring, and analysis of various reports, logs, and transaction data to identify trends, unusual activity, and monitor large currency activity; determines if transactions are suspicious in nature, such as kiting, significant changes in balances, cash structuring in deposits, loans payments, and certificate of deposit purchases, wire or ACH transfers, monetary instrument sales, new account openings, etc.
• Assists in the monitoring of account activity for suspicious patterns and activity, conducts suspicious activity report investigations, high risk customer/account reviews, and recommends when to file Suspicious Activity Reports (SARs).
• Assist in the filing of the SARs when necessary while maintaining a high-level of confidentiality of the SAR reporting process.
• Maintains current knowledge of the Bank Secrecy Act and all related anti-money laundering and OFAC regulations.
• Assists in the development, coordination, and facilitation of training programs to educate bank personnel about BSA related compliance requirements and procedures.
• Assists in the development and implementation of bank forms, notices and procedures and monitoring processes for compliance with the Bank Secrecy Act, OFAC and related regulations.
• Assists in the compliance with 314(a) and 314(b) (PATRIOT Act) responsibilities.
• Assists with New Account Business Risk Profiles.
• Assists in the preparation and submission of all Currency Transaction Reports (CTRs) within required timeframes.
• Performs customer and transaction analytics to identify trends and possible suspicious activity.
• Assists in the preparation of the BSA Risk Assessment and the periodic updates.
• Assists in the administration of the automated BSA/AML/Fraud system, research and resolved alerts and conducts investigations within the system.
• Assist the BSA Officer and participates/prepares for regulatory BSA Examinations and Internal/external Audits. Assists in audit preparation and resolution duties.
• Attend and complete all required classroom, computer-based, web-based and seminar training, as assigned.
• Trending analysis: Conduct manual analysis, as instructed by the BSAO, on high-risk products such as cash, international ACH, wires, early loan payoffs and accelerated loan payments, cash secured loans, etc.
• Act as BSA Department liaison with other departments and account officers to obtain documentation and/or information necessary to complete the account analysis.
• Interacts with vendor to resolve system issues.
• Participates in SAR Committee duties as assigned.
• Assists with special projects, assignments, and tasks as assigned by the BSAO.
  

• Perform month-end accounting and consolidations as directed;
• Responsible for the day-to-day general ledger accounting and reconciliations, as well as financial reporting and analysis for assigned functional areas;
• Lead the Accounts Payable function for the Bank;
• Work closely with the Chief Financial Officer as well as the Controller to manage and support all phases of the month-end financial accounting process;
• Assist in the preparation of monthly, quarterly and annual reports for Senior Management and Board of Directors meetings;
• Conduct financial modeling and analysis including graphing and reporting;
• Conduct special ad hoc projects and accounting projects as directed by either the Controller or Chief Financial Officer;
• Perform general accounting operations as directed by the Controller.
  

• 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.

• 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.

• 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.