Security Bank & Trust Co. jobs - 24 jobs

Job DescriptionDescription: Assist loan officers with day-to-day operations. Employees in this position must demonstrate general knowledge of all loan products and services. Responsibilities: Emulate SSB&T Core Values Provide customer service from application for loan thru loan payoff Collect required documents to process loans Order and review title documents and appraisals Prepare loan packages for Director Loan Committee meetings Review all loan and attorney documents prior to submitting to loan operations Monitor loan exceptions and gather documents to satisfy Work with title company and loan operations to balance HUD/CD Schedule closing with borrower, loan officer, and title company as needed; close loans Gather and scan all signed loan documents; submit to loan operations for funding approval Create wires for loan funding Prepare and file UCC's; record property documents with county Maintain and collect insurance on all titled or deeded collateral; review insurance reports Assist with preparation of interim construction loan draw documentation Perform daily process of loan maintenance and OTE's Review booked loans for accuracy Run daily and end of month reports Other duties as assigned Requirements: High School diploma or General Education Degree (GED) Microsoft Office, Word and Excel knowledge Ability to meet deadlines Demonstrate excellent typing skills Understanding of various types of loans and related regulations preferred Working knowledge with loans preferred Ability to multi-task in a fast paced environment Ability to obtain a Notary Public Commission if not already certified Must have great interpersonal skills

Physical Security Administrator First State Bank is seeking a Physical Security Administrator to manage the day-to-day operations of our physical security program. Reporting to the VP - IT Security Manager, this position plays a key role in protecting our employees, customers, and assets by maintaining and administering all physical security systems, procedures, and incident responses across our bank locations. The ideal candidate brings a proactive mindset, attention to detail, and a strong sense of accountability for maintaining a secure banking environment. Primary Responsibilities: Develop, implement, and update physical security policies and procedures in accordance with state and federal banking regulations (e.g., GLBA, FFIEC). Manage and maintain all physical security systems including alarms, video surveillance (CCTV), access control, panic buttons, and vault security systems. Monitor and audit access logs, camera footage, and alarm activity; investigate and document any security events or anomalies. Coordinate with vendors and service providers for installation, upgrades, troubleshooting, and maintenance of security systems. Assist with physical site risk assessments and recommend improvements to enhance safety and compliance. Oversee issuance and revocation of employee access cards, keys, and building codes. Support and coordinate response efforts for incidents including theft, break-ins, vandalism, or emergency situations. Maintain up-to-date records of all physical security hardware, access authorizations, incident reports, and vendor contracts. Collaborate with internal teams (IT, Compliance, Facilities) and local law enforcement to ensure swift and coordinated response to threats or incidents. Train employees on physical security awareness and emergency procedures (e.g., robbery protocols, active shooter preparedness, evacuation plans). This includes onboarding training, annual training, and ad-hoc training based on the current threat landscape. Provide reports and updates to the Information Technology and Security Committee on the state of physical security and compliance. Cross Train with IT Security team to ensure continuity for critical functions. Qualifications Qualifications: Required: High school diploma or equivalent; associate degree or equivalent experience in criminal justice, security management, or related field. Familiarity with Texas Department of Public Safety Private Security rules and state-specific regulations. Working knowledge of access control platforms, alarm systems, and surveillance technologies. Strong organizational and documentation skills; proficiency with Microsoft Office and security system software. Ability to handle confidential and sensitive information with discretion. Strong written and verbal communication skills Ability to train and educate employees on physical security awareness. Valid Texas driver's license and reliable transportation (some local travel between branches may be required). Preferred: Bachelor's degree in criminal justice, business administration, or related field. 3+ years of experience in physical security or facilities security administration, preferably within a banking or financial services environment. Texas Level II or III security license. Certified Protection Professional (CPP) or Physical Security Professional (PSP) certification. Previous experience in a community bank or credit union setting.

Job DescriptionDescription: Tellers are responsible for providing quality customer service experience including efficient and accurate paying and receiving transactions. Assessing customer needs and providing information on bank products and services is an important part of this position. The Teller has no previous banking experience. Responsibilities: Emulate SSB&T Core Values Greet customers and provide quality customer service Provide account services to customers regarding daily transactions such as, process deposits, accept loan payments, cash checks/savings withdrawals, and redeem saving bonds Process and balance Teller Capture Record/process night drop and mail deposits Process cashier's checks and gift cards Process online transfers Balance cash drawer, vault and ATM Process coins through coin counter Process change orders for Commercial Customers Provide customer service by answering questions for customer in person/phone Accept address changes Refer customer to other bank products/services Customer Entry to Safe Deposit Boxes Receive/Ship money to Federal Reserve Other duties as assigned Requirements: High School Diploma or General Education Degree (GED) Ability to handle large amounts of currency with speed and accuracy Good organizational, relational and communication skills Excellent customer service skills Prior cash handling experience preferred 10-key by touch preferred Proficient computer skills relevant to Outlook, Word & Excel

The Mortgage Advisor is responsible for originating residential mortgage loans in accordance with bank policies, investor guidelines, and regulatory standards. This role requires expertise in Conventional, FHA, VA, USDA, and non-agency loan products, as well as proficiency in utilizing automated underwriting systems such as Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA). The ideal candidate will demonstrate a strong commitment to delivering exceptional service to both internally referred clients and self-generated prospects, with a focus on relationship management and client retention. Essential Job Duties & Responsibilities: Originate residential mortgage loans by conducting in-depth consultations with prospective borrowers to evaluate their financial needs and recommend suitable loan products. Serve as a primary point of contact, delivering consistent, high-quality service that strengthens client trust and maximizes retention. Generate additional loan production through proactive networking, relationship-building, and business development within the community and among referral partners. Accurately assess applicants' financial information, credit standing, and eligibility across a wide range of mortgage products including Conventional, FHA, VA, USDA, and non-agency programs. Run, analyze, and interpret findings using Fannie Mae Desktop Underwriter (DU) and Freddie Mac Loan Product Advisor (LPA), ensuring compliance with applicable guidelines and loan eligibility requirements. Maintain consistent communication with borrowers throughout the loan process to ensure transparency, timely updates, and a seamless customer experience. Collaborate with internal departments including processing, underwriting, and closing to ensure efficient and compliant loan origination. Remain informed on current industry regulations, investor requirements, and product changes to provide accurate guidance to borrowers and referral sources. Qualifications Knowledge, Skills & Abilities: High school diploma or GED required. Strong computer skills. Excellent interpersonal and communication skills. Strong skills in working efficiently under time limitations. Advanced math and calculation skills. Other duties as assigned. This job description is subject to change at any time.

Full-time Description Who We Are: The First State Bank has remained committed to serving communities and customers for over 65 years. We pride ourselves in providing desired innovative products while continuing to deliver service consistent with our motto - “Friendliest Bank Anywhere”. With this as our foundation, FSB has grown to include thirteen full-service branches along with an additional LPO primarily situated in southeast Texas. Our vision for growth is cemented in staying true to our roots while continuing to add highly motivated, qualified individuals to our already talented team. Job Summary The Branch Manager position directs the operational and retail activities of the assigned retail outlet. This individual will be responsible for high quality customer service, promoting current product sales and initiatives, and delivering the service through a trained and motivated staff. Requirements Duties and Responsibilities · Manage the branch in a manner that's consistent with FSB's values to ensure market strength and high levels of customer service · Maintain familiarity with the Bank's personnel policy and consult with Human Resources, when necessary, to manage applicable employee leave and/or accommodation requests · Oversee branch operations including expense, income, and profitability to maximize Bank efficiency · Responsible for interviewing, hiring, training when necessary, and counseling personnel as well as actively promoting the growth of branch/Bank personnel · Actively participate in community-related civic organizations and functions to maintain and better the Bank's market position · Communicate and train employees on corporate initiatives, new regulations, and monitor, reward, and correct progress and outcome · Oversee and maintain branch security for employees and customers on a physical and financial level · Responsible for approving branch expenses as well as employee scheduling including hours, overtime, and PTO requests · Ensure the branch operates in compliance with applicable laws regulations · Perform secondary duties as assigned Education, skills, and other requirements: · Education: Associate's or Bachelor's degree in a related field is highly preferred · Experience: 3+ years of banking and/or managerial experience with education or 7+ years without · Software: Microsoft Office EOE/Veterans/Disability

First State Bank's mission is to treat the community as our home, customers as our neighbors, employees as our family, and by so doing, create value for our shareholders. Our Core Values are: Genuinely Care, Trust, Relentless Improvement and Accountability. All FSB employees perform their daily job responsibilities following these guiding principles in all aspects. Summary: Responsible for both teller and new account transactions, cross-selling bank products/services and resolving customer service issues. Process new accounts and transactions with accuracy and efficiency while delivering an overall professional customer service experience. Essential Job Duties & Responsibilities: Processing deposit & withdrawal transactions Balance cash drawer and TCR (Teller Cash Recycler) Detecting & reporting fraudulent or suspicious activities Evaluating customer needs to suggest appropriate bank products & services Opening & processing all available new account types Taking wire requests Assisting customers with: Debit card and internet banking services Check ordering, stop payments, and closing accounts Problem resolutions & special requests Performing other miscellaneous customer service functions Assisting customers with: Debit card & internet banking services, resetting passwords (II, III) Cross-training other staff members (II, III) Understanding loan options, including terms and rates (II, III) Consumer Loan application process (II, III) Complete In-Branch Closing process for Consumer Loan customers (III) Knowledge, Skills & Abilities: Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. **If hired for a bilingual position - Must be proficient in both English and Spanish language. Mathematics - knowledge of arithmetic, algebra, and their applications. Excellent attention to detail. Job Specifications: Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences. Oral Expression - The ability to communicate information and ideas in speaking so others will understand. Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong and know what steps to take to correct the problem. It does not involve solving the problem, only recognizing there is a problem. Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). Number Facility - The ability to add, subtract, multiply, or divide quickly and correctly. Speech Clarity - The ability to speak clearly so others can understand you both in person and over the phone. Near Vision - The ability to review customer information on the computer, on documents as well as visually identify customer identity. Speech Recognition - The ability to identify and understand the speech of another person. Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem. Reading Comprehension - Understanding written sentences and paragraphs in work-related documents. Physical Requirements - Lifting - The ability to lift a minimum of 10 lbs. up to a height of 3-4 ft. Standing/sitting - Must have the ability to remain in stationary positions 75% of the business day. Dexterity - The ability to operate a computer and other office machinery, such as a calculator, adding machine, copy machine and printer. Hearing - The ability to exchange accurate information to customers relating to their accounts and/or banking procedures. Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making. The ability to learn technical material. Other duties as assigned. This job description is subject to change at any time.

Full-time, Part-time Description Who We Are The First State Bank has remained committed to serving its customers and communities for over 65 years. We pride ourselves in offering innovative products with the same great service our customers have come to expect from “The Friendliest Bank Anywhere”. FSB's footprint has grown to include 13 full-service branches along with our Mortgage Loan Production office. Our vision for continued growth is cemented in staying true to our roots while continuing to add highly motivated, qualified individuals to our already talented team. Job Summary The Accounts Payable Clerk supports the bank's accounts payable and accounting operations to ensure accurate, efficient, and compliant processing of invoices, payments, and vendor management. This is a high-impact role, with visibility across bank departments and influence on financial operations. Duties and Responsibilities • Daily processing of invoices, payments, and expense reimbursements • Demonstrate ability to reassess and reprioritize workload in real time to meet operational deadlines • Ensure timely and accurate disbursements for all payment types • Ensure compliance with regulatory requirements, bank policies, and GAAP standards • Collaborate with internal team members in preparation for external reviews and audits • Maintain and update vendor records within the Accounts Payable platform • Maintain vendor relationships and assist in payment-related inquiries and discrepancies • Provide responsive and professional customer service to internal stakeholders and external vendors • Prepare accounts payable reports, including ageing reports and payment summaries • Support month-end and year-end closing activities • Perform secondary duties as assigned Requirements Preferred: 1+ years of experience in Accounts Payable, Accounting, Bank Operations, or Financial Operations. Familiarity with accounting principles and general ledger structure. Experience with accounting software (QuickBooks, AvidAscend/BankTel, Fiserv Prologue) Proficiency in Microsoft Office and document management systems Required: High school diploma or equivalent (Associate's or Bachelor's in Accounting, Finance or Business preferred) Strong attention to detail and commitment to data accuracy Excellent organizational and time management skills Ability to thrive in a fast-paced, deadline-driven environment Strong communication skills and a collaborative mindset Willingness to learn, take initiative, and adapt quickly to changes EOE/Veterans/Disability

Commercial Lender Reports To: Bank President Remote: ☐ YES or ☒ NO Exempt: ☒ Non-exempt: ☐ Compensation & Benefits: $65,000 - $100,00 annually First Bank & Trust of Memphis-Amarillo offers a comprehensive benefit package and PTO (paid time off) for eligible employees. The benefit package includes Health, Dental and Vision Insurance, options to participate in a Health Savings Account, Flexible Spending Account, Health Reimbursement Arrangement, Life and AD&D coverage, voluntary Short-Term, Long-Term Disability and Supplemental insurance. In addition, eligible employees have the option to participate in a company retirement plan. Role Overview The Commercial Lender is a key financial position responsible for developing, managing, and evaluating a portfolio of commercial loan accounts. This individual coordinates with the Bank President in implementing bank policy and procedures, ensuring all loans are within established lending guidelines, and providing profitability to the bank at minimum risk. This role requires a highly motivated and detail-oriented professional who can analyze complex financial data, structure customized lending solutions, and proactively drive business development while maintaining a commitment to exceptional customer service. Essential Duties: Interview loan applicants and analyze complex financial data, including statements and tax returns, to determine the creditworthiness of prospective borrowers. Establish and negotiate terms under which credit will be extended, including rates, loan structure, and collateral requirements, based on the borrower's financial status and the bank's lending policy. Underwrite and analyze credit and financial information to determine creditworthiness. Prepare loan proposals, presentations, and detailed credit memos for loan committees or internal approvers. Approve loans up to individual lending authority and serve as the contact officer on loans exceeding this limit. Monitor and evaluate the financial condition of existing loans through direct inspection, review of interim financial reports, and personal interviews. Manage a loan portfolio and maintain strong, long-term relationships with clients to drive growth and success. Develop new business by actively contacting prospective customers and cross-selling bank products and services. Monitor loan repayment activities and assist with collection duties on past-due accounts. Communicate loan decisions, terms, and conditions to clients and ensure all loan documentation is compliant with company policies and procedures. Participate in various community affairs to increase the bank's visibility and create new business opportunities. Regular, reliable and predictable attendance is an essential function of this role. Perform other duties as assigned. Knowledge, Skills, and Abilities Strong understanding of credit and financial analysis, with the ability to evaluate and analyze complex financial statements and tax returns. Knowledge of loan documentation and portfolio management is required. Excellent verbal and written communication skills (using accurate word usage, grammar, and spelling) to present to committees and communicate clearly with clients. Professional phone etiquette is essential. Strong customer service skills and ability to build long-term relationships with clients. Knowledge of regulatory compliance and lending policies and procedures, ensuring all documentation complies. Qualifications Experience & Education A technical level of knowledge normally acquired through completion of an undergraduate program in business administration, finance, related field or a combination of equivalent education and experience required. At least 5 to 7 years of progressively increasing responsible commercial lending experience is required. Physical Requirements This is a primarily sedentary position, involving prolonged periods of sitting and working on a computer, calculator, and other office equipment. The role requires the ability to multi-task, work in a fast-paced, changing environment, and maintain a commitment to accuracy and timeliness. The ability to follow policies, procedures, and written/verbal instructions, and maintain confidentiality is essential. The employee must have physical strength and dexterity to handle routine office materials and tools, with occasional lifting and transporting up to 25 lbs. First Bank & Trust-Amarillo is an equal opportunity employer. All candidates for employment are considered equally, and no distinction is made based on race, color, national origin, age, religion, disability, sex, sexual orientation, gender identity, gender expression, marital status, genetic information, or veteran status. Bank19 is also committed to providing qualified applicants and employees reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or employee requiring reasonable accommodation to perform any essential job function should contact Human Resources.

Join Our First State Bank Family! First State Banks mission is to treat the community as our home, customers as our neighbors, employees as our family, and by so doing, create value for our shareholders. Our Core Values are: Genuinely Care, Trust, Relentless Improvement and Accountability. All FSB employees perform their daily job responsibilities following these guiding principles in all aspects. Benefits of Working at First State Bank: Growth Opportunities Employer Paid Employee Health Insurance Vision, Dental and Other Great Benefits 401K and Employee Stock Ownership Match Options Paid Time Off Paid Federal Holidays Summary: Supervises and coordinates branch activities of Retail Services staff (New Accounts, Tellers, and Lobby Staff) in providing personalized banking services by performing the following duties. Essential Job Duties & Responsibilities: Assign duties, coordinate schedules, evaluate staff performance and provide training and support to ensure efficient functioning of the Retail Services department as well as present, monitor and maintain a professional work environment. Monitoring and reporting of lobby safety and maintenance. Assisting customers and staff with problem resolutions & special requests (wires, debit card and internet banking services). Evaluating customer needs to suggest appropriate bank products, opening & processing all available new account types and detecting & reporting fraudulent or suspicious activities. Knowledge, Skills & Abilities: Customer and Personal Service -- Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. English Language -- Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. Mathematics -- Knowledge of arithmetic, algebra, and their applications. Excellent attention to detail. Other duties as assigned. This job description is subject to change at any time.

Who we are The First State Bank is an independent community bank passionately focused on providing exceptional customer service and fostering relationships within the communities we serve. FSB has held these principles for over 65 years, down to the motto our customers have come to know us by -- "The Friendliest Bank Anywhere". Position Summary The Senior Loan Officer will be responsible for building and maintaining strong relationships with clients in the Sugar Land and greater Houston market. The ideal candidate will be a true banker with a deep understanding of banking principles and a commitment to providing personalized service that extends beyond just sales. Duties and Responsibilities Assess clients' financial needs and provide mutually beneficial loan solutions aligned with customer goals and FSB guidelines Develop and maintain relationships with new and existing clients in the Sugar Land and greater Houston metro market Must have an understanding of cash-flow principles in order to understand if a good deal is a good deal beyond surface level conversations Submits application to credit analysts or, when appropriate, examines application and creditworthiness of potential borrower; determines or makes recommendations regarding approval or denial/modification of requested loan within respective authority limits Approves or, when outside pre-approved lending limits, refers loans to management for further analysis and approval Remain informed of market trends, lending products, and regulatory changes to provide compliant and informed guidance to clients Understand different lending and bank products to identify any cross-sell opportunities Collaborate with internal teams to ensure a seamless loan process with an exceptional customer experience Maintains a robust referral network in the local banking community with builders, real estate agents, and other related industries Represent the bank at community and networking events to enhance visibility and brand recognition Performs other duties as assigned Requirements Qualifications, Skills, and Abilities Bachelor's or Master's degree from an accredited university preferred 5+ years with education or 9+ years with requisite experience Excellent verbal and written communication skills Excellent interpersonal, customer service, and sales skills Proficiency with Microsoft Office Suite and/or loan origination software EEO Statement The First State Bank is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion or belief, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other legally-protected characteristic.

Community Banker Make a Positive Impact First State Community Bank is seeking a quick learning, positive and energetic individual with a strong work ethic for a Community Banker position. You're the starting point. So many of the folks that bank with FSCB started at a work station just like yours. From a brand new business venture to a young child saving their allowance, you'll be an important financial resource to customers. They'll also turn to you for answers. Our best Community Bankers know their customers, ask the right questions to uncover financial needs, and guide them to the right solution. Responsibilities in Accordance with Our Corporate Values Build trust with customers by accurately and efficiently processing transactions Constantly seek to improve the financial health of customers through the recommendation and education of FSCB products that meet their needs Works as part of a team to create exceptional customer experiences Is a consistent advocate and ambassador of FSCB corporate values both inside and outside the bank Develop and maintain accounts for new and existing customer relationships What You Can Expect Competitive pay and benefits package - including an annual bonus program 401(k) with generous employer match benefit Helpful, qualified, and available leadership A caring, stable working environment Qualifications High School Diploma or Equivalent Prior cash handling experience preferred Exceptional customer service skills Strong communication skills General clerical and office technology skills Additional Information Being a First Stater.... Being a First Stater means that you roll up your sleeves and dig in. It means you work hard and do your best. It means that you enjoy learning new skills and are always eager to improve. It means you help the team by being a great teammate. It means you're passionate about making a difference in the lives of our customers and our communities. It means you consistently find new ways to improve our organization. Do you have what it takes to be a First Stater? Make a Difference - Apply Now! First State Bancshares, Inc. is an Equal Opportunity Employer. All your information will be kept confidential according to EEO guidelines.

Tellers are responsible for providing quality customer service experience including efficient and accurate paying and receiving transactions. Assessing customer needs and providing information on bank products and services is an important part of this position. The Teller has no previous banking experience. Responsibilities: Emulate SSB&T Core Values Greet customers and provide quality customer service Provide account services to customers regarding daily transactions such as, process deposits, accept loan payments, cash checks/savings withdrawals, and redeem saving bonds Process and balance Teller Capture Record/process night drop and mail deposits Process cashier's checks and gift cards Process online transfers Balance cash drawer, vault and ATM Process coins through coin counter Process change orders for Commercial Customers Provide customer service by answering questions for customer in person/phone Accept address changes Refer customer to other bank products/services Customer Entry to Safe Deposit Boxes Receive/Ship money to Federal Reserve Other duties as assigned Requirements High School Diploma or General Education Degree (GED) Ability to handle large amounts of currency with speed and accuracy Good organizational, relational and communication skills Excellent customer service skills Prior cash handling experience preferred 10-key by touch preferred Proficient computer skills relevant to Outlook, Word & Excel

Loan Officers will be responsible for building and maintaining loan portfolios. Loans will meet established guidelines in compliance with bank policy. Loan Officers will process and perform loan servicing responsibilities for existing and prospective bank customers. They will also assist with monitoring loans and reporting loan conditions. Responsibilities: Promote and emulate SSB&T Core Values Provide excellent customer service according to our Core Values Call on prospective customers and accept credit applications Evaluate a potential borrower's loan application, financial capacity, and creditworthiness Approve or deny loan requests within appropriate lending limit Prepare and present loans to appropriate approval authority if loan amount exceeds established lending limit or deviates from policy Professionally and effectively communicate between all departments and branches of the Bank Ensure closing of loans with customers and monitor the funding of an approved loan Maintain responsibility for loan files; manage a portfolio of consumer and commercial loans Support SSB&T community outreach and events Attend offsite meetings and training events; complete web-based training as required Inspect secured collateral and coordinate collection efforts and disposition of collateral if needed Assist branch opening, closing, and balancing duties Review all loan documentation for accuracy and collateral Manage draws for all construction loans Seek out new bank relationships; grow bank deposits Service commercial and retail customers including cross-selling additional services Actively promote loan and deposit products and services to current and potential customers Other duties as assigned Requirements Must meet minimum qualifications to be considered Loan Officer Minimum 4 years banking experience required Bachelor's Degree in finance or related field preferred, including accounting coursework Experience using all MS Office products Formal credit training preferred Ability to perform intermediate financial analysis under limited supervision Good oral and written communication skills AVP Loan Officer - all Loan Officer qualifications above plus: Minimum 6 years banking experience required Credit underwriting and lending experience required VP Loan Officer - all Loan Officer qualifications above plus: Minimum 8 years banking experience required Credit underwriting and lending experience required SVP Loan Officer - all Loan Officer qualifications above plus: Minimum 10 years banking experience required Credit underwriting and lending experience required

The Mortgage Operations Specialist serves a multi-purpose role and fulfills the responsibilities of a Mortgage Loan Specialist (Processor), Closing Coordinator, and Department Support. This position is responsible for delivering quality customer experiences to current and potential customers. Employees in this position must demonstrate a general knowledge of Mortgage Lending from Application to Funding. The Mortgage Operations Specialist must possess a positive attitude, good communication skills and a strong work ethic. Responsibilities: · Emulate SSB&T Core Values Processing Specific: · Reviews and establishes loan e-folder for all required documentation including income, credit report, bank statements, IDs, purchase contract, refi documents, real estate owned documentation, etc. · Orders flood certs, tax transcripts, title commitments, tax certificates, appraisal, survey (if needed), insurance policies, payoffs, verifications of employment, verifications of mortgage, credit supplements, FHA/VA case #, etc. · Requests any additional documentation needed from borrower, realtor, builder, title company, surveyor, insurance company, credit vendor, etc. · Run fraud report, LDP/GSA inquiries, FNMA Desktop Underwriter, FreddieMac Loan Prospector, Mavent, pre-close credit report, etc. · Submits complete loan file to underwriting for approval and or conditions · Requests all Conditional Approval conditions for submission to UW for Final Approval · Utilizes Loan Closing Checklist and prepares request for documents. · Prepares Changed Circumstance Loan Estimates (COC) for changes in fees that occur during loan processing · Compiles credit file for upload to investor to purchase · Other duties as assigned Closing Coordinator Specific: · Reviews UW approval, fees itemization, invoices and borrower receipts. · Confirms loan passes compliance review from Approval to Funding. · Submits request for Closing Disclosure and loan documents from fulfillment vendor. · Reviews Closing Disclosure for accuracy, updates Encompass accordingly. · Sends Initial Closing Disclosure to borrowers in prescribed timeframes and methods. · Coordinates closing dates and times with all parties involved in the transaction. · Reviews closing document package from fulfillment vendor for accuracy prior to closing. · Assists fulfillment vendor & title company with documentation required for loan funding. · Prepares Funding Reconciliation for approval · Prepares Wire request for funding and approval. · Moves milestone to Funding in Encompass after funding authorization number is received. · Assigns executed loan documents to appropriate eFolder buckets in order to be shipped. · Compiles documents and builds Horizon package and sends to Loan Operations department to book loan on Horizon system. · Assists Secondary Market Specialists with documents requested from investor for loan purchase. · Mails Goodbye Letters and insurance change notices for sold loans Department Support: · Answers incoming phone calls for department · Greets customers who come in person to the office · Assists Loan Operations personnel with payments, payoff issues and refunds for Mortgage Loans Held for Sale · Reviews mailing address report monthly to ensure proper mailing addresses are loaded into Horizon correctly for year-end statements · Assists Loan Officers and department with community involvement and events · Other duties as assigned Requirements · High School diploma or equivalent · Associates or Bachelor's Degree preferred · 3 years real estate loan experience in a financial institution or title company · Knowledge of real estate loan documents, title documents, insurance policies, tax information, etc. · In-depth knowledge of current mortgage lending guidelines as well as state and federal regulations · Exceptional attention to detail and strong organizational skills · Must be able to efficiently multi-task with accuracy. · Excellent interpersonal, written and oral communication skills · Computer skills: Microsoft Office products, Outlook and Encompass or similar LOS

Who We Are The First State Bank first opened its doors in Louise, Texas, on May 7, 1956. Nearly 70 years later, our commitment to providing exceptional customer service is matched only by our resolve to remain an independent community bank. Today, FSB includes 14 branches proudly serving communities throughout the Texas Gulf Coast, Coastal Bend, and South Texas regions. As we continue our growth, we remain committed to our community roots and building our team with passionate, talented professionals who share in our mission as The Friendliest Bank Anywhere. Job Summary Universal Bankers establish, expand, and maintain customer relationships by providing extensive, personalized service focused on the specific needs of each individual and business banking customer. This position combines the traditional Teller and Personal Banker responsibilities into one position in an effort to offer customers more banking options while still providing traditional teller services. Duties and Responsibilities Upholds the Bank's standard of exceptional customer service while promptly, and efficiently, processing customer transactions Promotes positive public relations by providing professional, pleasant greetings, maintaining eye contact, smiling, and addressing customers by name Contributes to the attainment of branch sales goals and related objectives by promoting the Bank's products and services as well as generating leads and referrals Protects the Bank's financial interests by controlling and balancing the assigned cash drawer and following policies and procedures to minimize losses Answers telephone inquiries and directs questions to the appropriate office personnel Researches customer questions and resolves account issues, when applicable, to help maintain customer relationships Performs routine office and clerical duties (i.e. filing signature cards, preparing bank bag pickup, processing night deposits, ATM custodian, etc.) Acts as a point-of-contact for customers seeking to open a new account Reviews documents for accuracy and/or legal compliance and verifies the identity of account holders Complies with all Bank policies and procedures including, but not limited to: BSA/AML,CIP Automated Clearing House (ACH) Regulations CC and DD (Funds availability, Truth in Savings) Perform other duties as assigned Requirements Qualification, Skills, & Abilities High School diploma or GED required, Associate's or Bachelor's from an accredited college or university preferred Cash handling experience required in lieu of college education Excellent interpersonal, customer service, and verbal communication skills Prior banking experience highly preferred EOE/Veterans/Disability

Assist loan officers with day-to-day operations. Employees in this position must demonstrate general knowledge of all loan products and services. Responsibilities: Emulate SSB&T Core Values Provide customer service from application for loan thru loan payoff Collect required documents to process loans Order and review title documents and appraisals Prepare loan packages for Director Loan Committee meetings Review all loan and attorney documents prior to submitting to loan operations Monitor loan exceptions and gather documents to satisfy Work with title company and loan operations to balance HUD/CD Schedule closing with borrower, loan officer, and title company as needed; close loans Gather and scan all signed loan documents; submit to loan operations for funding approval Create wires for loan funding Prepare and file UCC's; record property documents with county Maintain and collect insurance on all titled or deeded collateral; review insurance reports Assist with preparation of interim construction loan draw documentation Perform daily process of loan maintenance and OTE's Review booked loans for accuracy Run daily and end of month reports Other duties as assigned Requirements High School diploma or General Education Degree (GED) Microsoft Office, Word and Excel knowledge Ability to meet deadlines Demonstrate excellent typing skills Understanding of various types of loans and related regulations preferred Working knowledge with loans preferred Ability to multi-task in a fast paced environment Ability to obtain a Notary Public Commission if not already certified Must have great interpersonal skills

First State Bank's mission is to treat the community as our home, customers as our neighbors, employees as our family, and by so doing, create value for our shareholders. Our Core Values are: Genuinely Care, Trust, Relentless Improvement and Accountability. All FSB employees perform their daily job responsibilities following these guiding principles in all aspects. Summary: Responsible for both teller and new account transactions, cross-selling bank products/services and resolving customer service issues. Process new accounts and transactions with accuracy and efficiency while delivering an overall professional customer service experience. Essential Job Duties & Responsibilities: Processing deposit & withdrawal transactions Balance cash drawer and TCR (Teller Cash Recycler) Detecting & reporting fraudulent or suspicious activities Evaluating customer needs to suggest appropriate bank products & services Opening & processing all available new account types Taking wire requests Assisting customers with: Debit card and internet banking services Check ordering, stop payments, and closing accounts Problem resolutions & special requests Performing other miscellaneous customer service functions Assisting customers with: Debit card & internet banking services, resetting passwords (II, III) Cross-training other staff members (II, III) Understanding loan options, including terms and rates (II, III) Consumer Loan application process (II, III) Complete In-Branch Closing process for Consumer Loan customers (III) Knowledge, Skills & Abilities: Customer and Personal Service - Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. English Language - Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar. **If hired for a bilingual position - Must be proficient in both English and Spanish language. Mathematics - knowledge of arithmetic, algebra, and their applications. Excellent attention to detail. Job Specifications: Oral Comprehension - The ability to listen to and understand information and ideas presented through spoken words and sentences. Oral Expression - The ability to communicate information and ideas in speaking so others will understand. Problem Sensitivity - The ability to tell when something is wrong or is likely to go wrong and know what steps to take to correct the problem. It does not involve solving the problem, only recognizing there is a problem. Information Ordering - The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations). Number Facility - The ability to add, subtract, multiply, or divide quickly and correctly. Speech Clarity - The ability to speak clearly so others can understand you both in person and over the phone. Near Vision - The ability to review customer information on the computer, on documents as well as visually identify customer identity. Speech Recognition - The ability to identify and understand the speech of another person. Mathematical Reasoning - The ability to choose the right mathematical methods or formulas to solve a problem. Reading Comprehension - Understanding written sentences and paragraphs in work-related documents. Physical Requirements - Lifting - The ability to lift a minimum of 10 lbs. up to a height of 3-4 ft. Standing/sitting - Must have the ability to remain in stationary positions 75% of the business day. Dexterity - The ability to operate a computer and other office machinery, such as a calculator, adding machine, copy machine and printer. Hearing - The ability to exchange accurate information to customers relating to their accounts and/or banking procedures. Active Learning - Understanding the implications of new information for both current and future problem-solving and decision-making. The ability to learn technical material. Other duties as assigned. This job description is subject to change at any time.

Loan Operations Specialists must demonstrate a general knowledge of consumer and commercial loans, real estate loans and TRID federal regulations. Provide administrative support in the form of loan documentation preparation and through updates to our Core system, Horizon XE. Review and provide approval for loan documents and disclosures for accuracy and completeness. Provide approval for executed loan documents for funding, and complete loan documentation due diligence needed to move loans from the approval stage to closing. Responsibilities: Emulate SSB&T Core Values Working knowledge of our nCino program for the preparation, reviewing, funding and building of commercials loans Working knowledge of Laserpro Review Loan and Real Estate Loan Memorandums prior to document preparation (consumer) Prepare Integrated TILA-RESPA Disclosures (Early and Closing) on consumer real estate loans, prepare non-real estate, Home Equity, Home Improvement (as required by bank policy) and Real Estate Modification/Extension loan documents Review loan documents, disclosures and documentation requirements for accuracy prior to execution to provide approval for closing Identify and communicate errors found so corrections can be made timely Communicate with loan officers and loan assistants with obtaining necessary information to prepare loan documents and disclosures Coordinate real estate loan closings with loan personnel, title companies and attorneys' offices Review executed loan documents on all files for completeness and approve for funding Updating and balancing of monthly reports Perform periodic detailed review of GL accounts Maintaining conditions/exceptions reports Process and maintenance in Horizon XE Indexing into ImageCentre Support SSB&T community involvement and events Other duties as assigned Requirements High school diploma or GED Detail oriented, quality focused, flexible and able to adapt to change Ability to effectively organize workload and meet timelines Proficient computer skills relevant to Outlook, Word & Excel Loan knowledge preferred

Job DescriptionDescription: Tellers are responsible for providing quality customer service experience including efficient and accurate paying and receiving transactions. Assessing customer needs and providing information on bank products and services is an important part of this position. The Teller has no previous banking experience. Responsibilities: Emulate SSB&T Core Values Greet customers and provide quality customer service Provide account services to customers regarding daily transactions such as, process deposits, accept loan payments, cash checks/savings withdrawals, and redeem saving bonds Process and balance Teller Capture Record/process night drop and mail deposits Process cashier's checks and gift cards Process online transfers Balance cash drawer, vault and ATM Process coins through coin counter Process change orders for Commercial Customers Provide customer service by answering questions for customer in person/phone Accept address changes Refer customer to other bank products/services Customer Entry to Safe Deposit Boxes Receive/Ship money to Federal Reserve Other duties as assigned Requirements: High School Diploma or General Education Degree (GED) Ability to handle large amounts of currency with speed and accuracy Good organizational, relational and communication skills Excellent customer service skills Prior cash handling experience preferred 10-key by touch preferred Proficient computer skills relevant to Outlook, Word & Excel