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Explore Sonora Bank Job Opportunities
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.
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Greet customers promptly upon their arrival in the bank lobby. Conduct professional interactions with the customers throughout all transaction processes.
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Open new accounts (checking, savings, certificates of deposit and IRAs).
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Order checks for customers and produce temporary checks.
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Issue ATM Debit cards.
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Open safe deposit boxes and provide access to boxes for customers.
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Promptly answer phones.
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Provide customer service, answering questions about their accounts and providing research as requested.
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Helping customers with Online Banking and Mobile Banking
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Process deposits, cash checks, and change orders for customers.
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Process night drop deposits and mail deposits. Maintain records for audit.
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Sell Cashier’s Checks, Money Orders and Gift Cards.
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Balance Cash Vault daily.
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Redeem Savings Bonds.
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Prepare Compliance Audits as required for Internal Audits.
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New accounts input, (Loans, DDA, and Savings).
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Process stop payment request and input on system.
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Process wire transfer request and prepare Wire Transfer form for Wire Department.
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Customer service-answer phones, research and balancing customer accounts.
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Balance and Supply ATM weekly.
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High School diploma or equivalent.
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Previous Teller or Personal Banker experience preferred.
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Excellent organizational skills required.
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Ability to communicate in a professional manner and quickly assess and prioritize customer needs when assisting customers who may be are upset or angry.
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Excellent verbal, written and interpersonal communication skills required; including keen ability to communicate genuinely conveying respect, dignity and cheerfulness with all levels of staffing.
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Ability to coordinate with employees across department lines.
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Ability to use sound judgment when routing calls and providing information to callers.
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Regular and punctual attendance is required.
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Knowledge and use of computers and 10-key machines.
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Ability to handle confidential information in a professional manner.
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Completing assigned tasks within the deadline provided.
Handling the entire documentation workflow on commercial loans (including real estate) from initial disclosure through closing and correspondence with all parties involved. Additionally, responsible for the preparation of other commercial loan documents, payment extensions, and loan renewal/modifications agreement. Will also be responsible for the booking of loans into the core system (Jack Henry) after the loan documents have been executed.
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Review loan presentation for proper approval and completion, including supporting documentation.
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Determine borrower and guarantor legal classification and review appropriate entity documents.
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Ensure all pre-funding requirements and exception waivers are obtained, ensuring compliance with any pre-funding requirements.
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Ensure compliance with policies and procedures related to loan documents as detailed in the Loan Policy.
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Generate appropriate disclosures as required by law.
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Coordination of all required documentation preparation, data gathering and customer contact workflow through closing, including title company and attorney correspondence. There is no direct borrower contact.
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Provide a high level of lender branch service, timely review and competitive turnaround times for all loan closings.
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Perform other duties as requested by management.
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High school education or equivalent is required.
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At least one year of work experience in the banking or credit union industry.
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Excellent interpersonal and communications skills are required.
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Must demonstrate a high level of attention to detail, inductive reasoning and high accuracy using computer systems to enter large volume of complex information is required.
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Able to function effectively at a high volume, in a time sensitive environment is required.
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Must be self-educating and able to work with little direct supervision is required.
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Extensive complex Commercial and Commercial RE documentation and closeout workflow experience, including interim construction and land development is preferred.
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Previous commercial loan experience is also preferred.
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Experience in using automated document preparation software is preferred.
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Provide loan research for lenders when called upon.
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Balances various accounts.
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Keying daily work received from the branches
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A working knowledge of loan documents and disclosures insuring prior to loan closing that loan documentation is accurately prepared. Additionally, order title work and appraisals.
- Proficiency in Excel and Word.
- Knowledge of operating system Jack Henry is a plus.
- 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.
- Regular and punctual attendance is required.
Position requires extended periods of sitting and computer use.
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.
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.