Careers

Loan processor - boerne

Location: Boerne

Reports to: Chief Credit Officer

Summary

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.

Major Duties/Responsibilities

Review loan presentation for proper approval and completion, including supporting documentation.
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. There is no direct borrower contact.
Provide a high level of lender branch service, timely review and competitive turnaround times for all loan closings.
Perform other duties as requested by management.

Qualifications

Education and Experience

High school education or equivalent is required.
At least one year of work experience in the banking or credit union industry.
Excellent interpersonal and communications skills are required.
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.
Able to function effectively at a high volume, in a time sensitive environment is required.
Must be self-educating and able to work with little direct supervision is required.
Extensive complex Commercial and Commercial RE documentation and closeout workflow experience, including interim construction and land development is preferred.
Previous 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 loan documentation is accurately prepared. Additionally, order title work and appraisals.

Skills

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.

Work Environment
Position requires extended periods of sitting and computer use.

NOTE: This job description is not intended to be all-inclusive. An employee will also perform other reasonably-related job responsibilities as assigned by management as required. Sonora Bank reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.

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.

TRID Documentation Specialist Processor - boerne

Location: Boerne

Reports to: Chief Credit Officer

Summary

The documentation Specialist role is within our Loan Administration group and is primarily responsible for preparing personal preliminary disclosures, including Loan Estimates and Closing Disclosures, and ensuring loans comply with internal bank policies and comply with federal and state regulations.

Major Duties/Responsibilities

Ensures loan disclosures are prepared in accordance with the terms and conditions per the application and in compliance with regulatory requirements including TRID and Reg. Z.
Communicates with loan officers for any additional information needed to prepare loan disclosures.
Order flood certificates, fee estimates from title or online sources and other due diligence as required.
Ensures work is completed by deadlines and accurately by planning, coordinating and monitoring daily activities.
Miscellaneous duties as assigned.

Qualifications

Education and Experience

High school education or equivalent is required.
At least two years of working experience with TRID regulation.
Knowledge of Regulations B, Z, RESPA, Fair Credit Reporting Act, and other federal and state laws.
Working knowledge of complex consumer transactions, understanding of title reports and exceptions, and familiarity with Loan Estimates and Closing Disclosures preferred.
Excellent interpersonal and communications skills are required.
Working knowledge of consumer lending policies is preferred.
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.
Able to function effectively at a high volume, in a time sensitive environment is required.
Must be self-educating and able to work with little direct supervision is required.
Extensive complex Commercial and Commercial RE 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 loan documentation is accurately prepared. Additionally, order title work and appraisals.

Skills

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.

Work Environment
Position requires extended periods of sitting and computer use.

NOTE: This job description is not intended to be all-inclusive. An employee will also perform other reasonably-related job responsibilities as assigned by management as required. Sonora Bank reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.

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 - san angelo, hutto

Location: San Angelo, Hutto

Reports to: Regional Branch Manager

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 and 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.

Skills

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.

NOTE: This job description is not intended to be all-inclusive. An employee will also perform other reasonably-related job responsibilities as assigned by management as required. Sonora Bank reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.

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 SPECIALIST - san angelo, boerne

Location: San Angelo, Boerne

Reports to: Operations Officer

Summary

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.

Essential Duties and Responsibilities

Responsible for processing incoming and outgoing wire transfers, ACH files, returned deposited items, cash letter, exception item processing adjustments.
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.
Processes debit card disputes in accordance with Regulation E and MasterCard Visa rules.
Provide support and assistance to internal customers by serving as a resource on all deposit related topics and concerns.
Review various operations / exception reports and monitor accounts with special instructions, taking steps to address items on the reports.
Perform daily reconciliation of internal bank accounts, general ledgers, and adjustments as assigned.
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.
May perform other duties as assigned.

Qualifications

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.
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.
Ability to research, interpret, analyze, and report operations data.
Ability to make sound decisions, prioritize work, handle pressure, and meet deadlines.
Ability to work in a fast- paced environment and facilitate a team environment.
Flexible and adaptable to a changing environment.
Knowledge with Microsoft Office.

EFT Function Includes but is not Limited to:

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.
Process orders and maintenance requests for debit ATM cards.
Work with card processing and ATM vendors to investigate and resolve cardholder and terminal problems in a timely manner.

ATM Function Includes but is not Limited to:

Review ATM balancing reports provided by the vendor and research all ATM outages and discrepancies in a timely manner.

Education and Experience

High School diploma or equivalent.
Two years bank operations preferred

Required Knowledge

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.

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.

NOTE: This job description is not intended to be all-inclusive. An employee will also perform other reasonably-related job responsibilities as assigned by management as required. Sonora Bank reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.

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.

Bank Software Specialist - san angelo, boerne

Location: San Angelo, Boerne

Reports to: Vice President, Technology

Summary

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.

Essential Duties and Responsibilities

Project Management:

Research technology solutions to address needs or create efficiencies and make recommendations.
Review and evaluate proposals from vendors for suitability to the bank’s software systems.
As the point of contact on assigned projects, performs a variety of duties such as: assembling, coordinating and managing review teams.
Responds to inquiries about projects.
Report and update the status of projects
Assists other departments with plans, goals, objectives, policies and procedures involving current or new software.
Coordinate installation and upgrade of bank software.
Plan and Execute testing and implementation of bank software.
Facilitates and troubleshoots problems associated with implementation of bank software.
Educate employees on new software or upgrades to existing bank software.

Software Administration:

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.

Education and Experience

Bachelor’s degree in a technical discipline or equivalent experience

Preferred Skills

Ability to effectively communicate orally and in written form.
Demonstrate the ability to anticipate and solve problems or resolve issues.
Good interpersonal and organizational skills.
Ability to work in a fast-paced environment

Work 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.

NOTE: This job description is not intended to be all-inclusive. An employee will also perform other reasonably-related job responsibilities as assigned by management as required. Sonora Bank reserves the right to revise or change job duties as the need arises. This job description does not constitute a written or implied contract of employment.

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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