As 2015 draws to a close and 2016 approaches, we are grateful for the privilege of serving Southwestern bankers by providing news of the industry. We wish our readers and advertisers peace, health, and prosperity during the holiday season and in the New Year.
Page 2 BANKERS DIGEST December 21, 2015
joins the Private Bank as a client advi-sor. He has nearly 15 years of experi-ence in wealth management and sales
management experience. Powell most recent-ly served as a senior pri-vate banker at Northern Trust and joins as a pri-vate banker. He also has
nearly 15 years experience in private banking and wealth advisory for high net worth clients. Smith most recently served as se-nior associate at Northern Trust and joins as an investment associate. He has nearly six years of wealth, hedge fund, and institutional investment ad-visory experience. Bagwell said clients can expect a full range of wealth planning and ad-visory services including investment management, cash management, and estate planning and trust administra-tion as well as deposit products and lending services customized for afflu-ent individuals and institutions. The Private Bank at Bank of Texas reported its assets under manage-ment reached nearly $2.1 billion in 2015, placing it among Dallas’ top wealth advisors. Bank of Texas has 23 locations throughout Dallas and Fort Worth and 13 locations in Greater Houston, as well as corporate and pri-vate bank offices. The bank is a mem-ber of BOK Financial Corp, Tulsa, OK Q
P E O P L E TEXAS
Kitzmiller and Paulson Join First National of Santa Fe
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The Private Bank at Bank of Texas Adds Hicks, Powell, and Smith at New Plano Office
Andrew Hicks, Scott Powell, and Andrew Smith
In This Issue...Four Benefits of ATM Managed Service for Financial Institutions Feature..............................................3
Newswatch......................................8
Charter Activity..............................9
Classified.......................................10
NEW MEXICO
First National Bank Santa Fe/First Na-tional Rio Grande has hired two oper-ations bankers in Albuquerque. James Kitzmiller has joined as vice president and senior retail operations officer. He has 30 years of experience in retail banking operations and pro-cedures. He will be responsible for the customer service experience through-out the bank’s branch network. Kitzmiller most recently served as re-gional services manager at Bank of Albu-querque and earlier as operations man-ager at US Bank/First Community Bank. Kristin Paulson has joined as vice president and audit manager. She has 10 years of internal audit experience at a Fortune 500 financial services firm and is a CPA Q
The Private Bank at Bank of Texas, N. A., Dallas, has expanded its reach with a new office in Plano and announced the addition of Andrew Hicks, Scott Powell, and A n d r e w Smith, said Norm Bag-well, Bank of Texas chair-man/ CEO. “The addi-tion of this team with a strong history in the market allows us to better serve our clients in North Dallas, Frisco, Plano, Prosper, and beyond while complementing our con-sumer banking and mortgage services available in Collin County,” Bagwell said. The new private banking team brings diverse backgrounds in wealth advising to high net worth clients. All three made the transition to Bank of Texas from Northern Trust. The team will operate from the Willow Bend banking center at 6105 W. Park Blvd. in Plano. Hicks most recently served as a wealth strategist at Northern Trust. He
Tom Nelson recently joined One Bank & Trust of Little Rock as senior vice president and commercial lending of-ficer. Nelson, who has more than 25 years of banking experience, serves at the 11101 Rodney Parham Rd. loca-tion in Little Rock Q
Nelson Is Sr Vice Pres, One Bank, Little Rock
ARKANSAS
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Financial insti-tutions describe their ATM net-works in a variety of ways. Some call them “costly” and a “hassle.” Others label them as an “account holder expectation.” Many banks and
credit unions don’t realize that select-ing the right ATM managed services vendor streamlines the channel op-erations and can turn a network from “costly” to “convenient.” ATM manage-ment companies can easily provide much-needed relief, providing finan-cial institutions and their cardholders with a wide range of benefits. Here are four benefits to consider.
1. Consistent Maintenance, Service, and MessagingMulti-vendor ATM networks can be prone to maintenance and service issues simply due to disconnects in communication. This same situation presents challenges for marketing in regards to consistent branding of the machines and delivering of products and services messaging. ATM man-aged services providers, on the other hand, pull everything related to the ATM into a single contact, reducing the potential for problems, and pro-viding a single source to push market-ing out to the entire network.
2. A Better User ExperienceCreating a consistent experience for each ATM user can have a direct ef-fect on brand identity and generate a much higher level of comfort with the financial institution and a greater level of convenience for cardholders.
F E A T U R E
ByPaul Albright
Outsource ATMwww.OutsourceATM.com
ATM MANAGEMENT
Four Benefits of ATM Managed Service for Finanical Institutions
(continued on Page 12)
Albright
However, achieving a standard look and feel can be much more difficult when using a variety of service provid-ers. Companies that specialize in ATM management can help ensure ma-chines are running on similar software interfaces, providing users with a con-sistent user experience. Standardized processing and levels of maintenance will also help alleviate inconsistencies throughout the ATM network.
3. Increased Functionality and Fewer Hassles Over RegulationsWhile ATMs are often viewed as basic cash dispensing machines, technol-ogy is finally beginning to catch up with this somewhat dated channel. In addition to EMV upgrades, PCI com-pliance, and other regulatory require-ments, new software and hardware functionality are beginning to enter the ATM industry. Consolidating ATM management through a single man-aged services vendor can make it eas-ier to implement new programs and processes. Many ATM managed ser-vices providers even offer regulatory compliance guarantees, relieving the financial institution of the cost and headache of having to constantly deal with new regulations.
4. Saved Time and Lowered Cost
Financial institutions must organize a wide variety of processes to prop-erly manage an ATM network, grow-ing more difficult and time consuming the larger the network becomes. And, distance from branches can increase the challenges, making the terminals more difficult to monitor and more expensive to manage. ATM managed services providers focus on ATM op-eration and can apply their expertise to properly operating a wide network of locations, often boosting network efficiency. And, as the financial insti-tution expands the functionality and reach of the ATM delivery channel, the managed services provider can, many times, reduce costly develop-ment expenses and implementation timelines. ATM managed services providers can also save banks and credit unions money by leveraging their focus on ATM operations when arranging cash forecasting, armored car manage-ment, insurance, and other require-ments. These expenses are spread out over a much larger network of ma-chines of the managed services pro-vider, translating into monthly cost savings for banks and credit unions. In addition, the ever-present “Return on Capital Discussion” is no longer part
Page 4 BANKERS DIGEST December 21, 2015
The Federal Reserve Bank of Dallas has re-appointed Alfred “Al” B. Jones
of Corpus Christi to its San Anto-nio branch board of directors for a three-year term beginning January 1, 2016. Jones is chair-man/CEO of Amer-ican Bank, N. A., and president of
American Bank Holding Corp., both based in Corpus Christi. He currently serves as chairman of the Corpus Christi Regional Eco-nomic Development Council and on the boards for Texas Exes, University of Texas System Chancellor’s Council Executive Committee, and business advisory council for the Texas A&M University–Corpus Christi College of Business. In recent years, Jones has served as chairman of the Indepen-dent Bankers Association of Texas and Christus Spohn Health System, and is a founding director of the Subchapter S Bank Association. The San Antonio Branch board con-sists of seven members, four appoint-ed by the Dallas Fed and three by the Federal Reserve Board of Governors in Washington, DC. The Federal Reserve Bank of Dallas has also appointed Charles E. Am-ato to its San Antonio branch board of directors to fill an unexpired term ending December 31, 2016. Amato is chairman and co-founder of SWBC, a San Antonio-based international di-versified financial services company. The Federal Reserve Bank of Dallas has also appointed Mary E. Kipp of El Paso to its El Paso branch board of di-rectors for a three-year term beginning January 1, 2016. Kipp is president of El Paso Electric Co., a regional electric utility. Previously, she was an enforce-ment attorney with the Federal Energy Regulatory Commission. Kipp serves as vice chair and executive committee member of the Borderplex Alliance, a binational economic organization, and serves on other El Paso boards Q
Galveston banker Jimmy Rasmussen has been re-elected to the Federal
Reserve Bank of Dallas board of directors by its member banks. He will serve a three-year term starting January 1, 2016. Rasmussen is p r e s i d e n t / C E O
of HomeTown Bank, N. A, Galveston, with $533 million in assets. He has served as president for 27 years. He is a former chairman of the In-dependent Bankers of Texas and was a TX representative on the board for the Independent Community Bankers of America. Rasmussen has been active in Texas City, La Marque, and Galves-ton community affairs. He holds BBA and MBA degrees in finance from Sam Houston State University. Ann B. Stern, president/CEO of Houston Endowment Inc. in Hous-ton, has been re-elected to the Dallas Fed board of directors by its mem-ber banks. She will serve a three-year terms starting January 1, 2016 Q
The Federal Reserve Bank of Dal-las has appointed David Zalman of
El Campo to its Houston branch board of directors for a three-year term beginning January 1, 2016. Zalman is chair-man/CEO of Pros-perity Bancshares Inc., a Houston-based regional fi-
nancial holding company with $21.7 billion in assets that operates Pros-perity Bank with more than 240 bank-ing locations in TX and OK. He has served with Prosperity Bank since 1986, having also served as president, chairman, CCO, and senior chairman. Zalman is a director of New ICM LP and Community Bankers Trust Corp. and trustee of the St. Philip School Endowment Fund. He is a past mem-ber of the El Campo City Council. He holds a BBA degree from The University of Texas at Austin. The Houston Branch board consists of seven members, four appointed by the Dallas Fed and three by the Fed-eral Reserve Board of Governors in Washington, DC Q
P E O P L E TEXAS
Zalman Rasmussen Jones
Prosperity CEO Zalman Tapped for Houston Fed Bh
Galveston’s Rasmussen Re-Elected to Dallas Fed Bd
Jones Reappointed to Fed’s San Antonio Branch Board
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Page 6 BANKERS DIGEST December 21, 2015
Gateway Bank, Rison, which offi-cially opened its second branch of-
fice in Malvern at 900 MLK Blvd. on June 25, an-nounced two new employees have been added to the Gateway family in Malvern, said P r e s i d e n t / C E O Troy Duke. Jim Ferguson
joins as market president and a senior lender. He has over 40 years banking experience, having served in Malvern, Arkadelphia, Hot Springs, and Ben-
ton. Ferguson is excited to be back in his hometown of Malvern. Camron Hurst of Prattsville joins as vice president and commercial/consumer lender. He has five plus years of experi-ence as a lender in
the Grant/Hot Spring county area. Gateway Bank currently has two full service locations - the home office in Rison and the branch in Malvern. The bank has also opened an LPO office in Bryant as of December 2015 Q
lender for North TX and Judy Miller as mortgage loan officer for Grayson, Fan-
nin, Collin, and Cooke counties. Kloppers has served in area banks for over 11 years in the po-sitions of com-mercial loan un-derwriting, loan preparation, and assistant branch
management. She holds a BS degree from Southeastern Oklahoma State University and an AS degree from Grayson County College. Prior to join-
ing Legend Bank, she most recently served as credit analyst at Inde-pendent Bank. Miller has an extensive back-ground in man-agement and fi-nancial services. She received her education at North
Central Texas College in Gainesville and at Paris Junior College in Paris Q
Legend Bank, a Bowie-based commu-nity bank in North TX for over 125 years,
announced the appointment of Randi Mitchell as vice president, mar-keting director. She will oversee all mar-keting and advertis-ing, said Toni Lucky, executive vice pres-ident and chief op-erations officer.
Mitchell has over 16 years of finan-cial marketing experience, including 12 years in marketing management. She previously served as senior vice president of marketing at the former OmniAmerican Bank in Fort Worth. She is a Certified Financial Marketing Professional, holds a BBA degree in marketing from Tarleton State Univer-sity, and is an honors graduate of the American Bankers Association School of Bank Marketing and Management. Legend Bank also announced two appointments to its Sherman LPO team, said Jay Bearden, executive vice president and chief lending officer. Leigh Ann Kloppers has joined as as-sistant vice president and commercial
P E O P L E TEXAS
Legend Bank Names Mitchell VP/Marketing Director, Kloppers and Miller Lenders at Sherman LPO
Ferguson and Hurst Join Gateway Bank in Malvern
Mitchell Ferguson
Miller
Kloppers
Hurst
ARKANSAS
Robert “Robi” McDonald, formerly a market president for Conway-based Centennial Bank, has joined Bank of the Ozarks’ commercial lending team in Little Rock as a senior vice presi-dent. McDonald also previously served as vice president and market lender at Centennial Bank. He earlier served as senior bank examiner for the Arkansas State Bank Department. He earned a BBA degree at Ouachi-ta Baptist University and a graduate banking degree from the SW Graduate School of Banking at SMU Q
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December 21, 2015 BANKERS DIGEST Page 7
The Louisiana Bankers Association (LBA) has reported new officers of the
Louisiana Bankers Education Council (LBEC) for 2015-2016. Michael Wilson of Guaranty Bank and Trust Co. of Delhi has been elected president. He succeeds Jake Guidry of St. Mar-
tin Bank in Lafayette. Guidry will serve as immediate past president on the ex-ecutive council for the next year. Other council members elected were:• President-Elect, Adam Johnston, First Guaranty Bank in Oil City & Ben-ton• Secretary/Treasurer, Mark Marion-neaux, Bank of Zachary, Zachary• Education Chairman, Jim Lyons, First National Bank of Louisiana in Crowley • Membership Chairman, Brooks Lewis, Citizens Bank in Baton Rouge• Councilmen at Large: Jennifer Boggs, Gulf Coast Bank in Baton Rouge; Mallie Bowers, First Federal Bank in Lake Charles; Chad Burgess, Citizens National Bank in Bossier City; Stephen David, Whitney Bank in Ba-ton Rouge; Robbin Hardee, Metairie Bank; Tony Haring, Caldwell Bank in Winnsboro; and Kendra Palmer, First Guaranty Bank in Benton. The mission of the Louisiana Bank-ers Education Council, the educa-tional outreach arm of the LBA, is to facilitate banker development and promote financial literacy outreach to LA bankers by:• Elementary school financial literacy education, i.e., Bank-at-School• High school financial literacy educa-tion, i.e., Simply Banking• College Freshman Scholarships• Louisiana JumpStart Coalition – partnering with others to promote fi-nancial literacy throughout LA• Education for middle management bankers• Management of the Louisiana Bank-ers Education Foundation which funds the above programs Q
Bank SNB in Oklahoma City an-nounced the appointment of Valerie
Forsythe as vice president and cor-porate recruiter. Forsythe will be responsible for re-cruiting and evalu-ating candidates for the bank, as well as maintain-ing and managing the relocations
and intern program. Forsythe joins Bank SNB with more than 12 years of experience in hu-man resources, including eight years at human resources consulting firm Robert Half International. She made the transition into banking more than five years ago, most recently as senior recruiter at Bank of Oklahoma before joining Bank SNB. A resident of Shawnee, Forsythe earned a BBA degree from East Cen-tral University and holds a certified di-versity recruiter (CDR) designation Q
P E O P L E OKLAHOMA
Wilson Forsythe
Citizens Bank of Edmond Reports Five New Officers
Forsythe Joins Bank SNB as Vice President & Recruiter
Wilson Is 2015-16 President, LBA Education Council
LOUISIANA
Citizens Bank of Edmond has hired five new officers: Jeff Brown, Kei-sha Landry, Caleb Lester, Susan Shippman, and Nathan Skaggs. Brown, Lester, and Skaggs will be professional bankers in the banking center, Shippman an account services specialist in the downtown location, and Landry an executive assistant to President/CEO Jill Castilla. Brown is a graduate from the Univer-sity of Oklahoma with a BS degree in mathematics. Landry most recently served as ex-ecutive assistant to the Oklahoma State Attorney General. She has ex-pertise in public relations, executive scheduling, and public affairs. Lester has more than four years of banking experience, previously as a mortgage banker, assistant branch manager, and consumer lender. Shippman brings more than 26 years of banking experience to the account services team. She has expertise in bank operations, retirement planning, customer service, reconciliation, and consumer products. Skaggs has more than five years of banking experience and has previous-ly served as a branch manager, adjus-tor, and banking center manager.
Citizens Bank, with $250 million in assets, continues to operate on the same downtown Edmond intersection where it was founded in April 1901 Q
Page 8 BANKERS DIGEST December 21, 2015
According to an article by Brian Brus in The Journal Record, Oklahoma Bank-
ing Commissioner Mick Thompson said his request that the state banking board cut assessments on state-chartered banks by as much as 30% was driven by yet another year of strong asset
growth. OK state banks now hold total assets of about $46 billion, Thompson said, up from $42 billion in 2014 and $40 bil-lion in 2013. Thompson believes the asset base is enough pool of resources to support the banking department’s services. The department receives no tax revenues for operations. Thompson said, “And we’re still finding ways of doing more with less....We continue to right-size.” He said assessment cuts of 30% for banks with assets of less than $500 million and 15% for banks with more than $500 million are entirely a matter of efficiency, because the department does not want to deal with a surplus. Stay tuned! Q
N E W S W A T C H
First NBC in New Orleans Completes State Acquisition
Thompson
ARKANSAS OKLAHOMA LOUISIANABanking Commissioner Wants To Cut Fees to Avoid Surplus
The Bank of Fayetteville (Bankshares of Fayetteville Inc., holding company) officially joined the Farmers and Mer-chants Bank of Stuttgart family at the end of November. According to the Farmers and Mer-chants’ website, mebanking.com, the bank announced, “We look forward to serving the Fayetteville community with “Me Banking” solutions for years to come!” Gary Hudson, president/CEO of Farmers and Merchants Bank, said the Federal Reserve Bank of St. Louis ap-proved its application to buy the Bank of Fayetteville on October 16 and ap-proval from the Arkansas State Bank-ing Department also was received, giv-ing the two parties the green light to close their cash deal. Hudson said the Bank of Fayetteville will keep its name. He said it is crucial to keep as many of the local staff in place as possible to provide the sta-bility customers expect. The Bank of Fayetteville will operate like a branch of Farmers and Merchants Bank. He also said all of the Bank of Fay-etteville employees have been offered jobs through at least June 2016. Bank of Fayetteville CEO Mary Beth Brooks indicated she will leave the bank as soon as the transfer is complete Q
The Bank of Fayetteville Joins Farmers and Merchants
First NBC Bank Holding Company (“First NBC”), the parent company of First NBC Bank, both of New Orleans, November 30 announced the success-ful completion of its acquisition of State Investors Bancorp Inc. (“State Investors”), the parent company of State-Investors Bank, Metairie. As part of the transaction, State-Investors Bank has also been merged with and into First NBC Bank. The acquisition of State Investors further expands First NBC’s presence in the New Orleans metropolitan area where it remains the largest bank holding company by assets headquar-tered in the market. As of September 30, 2015, First NBC had total assets of approximately $4.3 billion, net loans of approximately $3.1 billion, and to-tal deposits of approximately $3.6 bil-lion. State Investors had total assets of approximately $248.9 million, net loans of $200.0 million, and total de-posits of $146.6 million as of the same date. “This transaction presented us with an opportunity to acquire a well-es-tablished community bank in our mar-ket with a strong and proven credit history and a similar commitment to its customers and employees,” stated President/CEO Ashton J. Ryan Jr. Tony Sciortino, president/CEO of State Investors and State-Investors Bank, added, “We expect that our com-bination with First NBC will be seam-less and beneficial to our customers. First NBC’s platform will enhance our customers’ access to financial services through a broader branch footprint in our market and an expanded portfolio of financial products and services.” Shareholders of State Investors common stock will receive $21.51 per share in cash. Together with consid-eration to optionholders, the transac-tion is valued at approximately $50.8 million. The sale of State Investors to First NBC was originally announced in Jan-uary of this year. First NBC operates in the New Or-leans metro area, MS Gulf Coast, and the FL panhandle Q
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December 21, 2015 BANKERS DIGEST Page 9
R E G U L A T O R S
C h a r t e r
a c t i v i t yArkansasCHARTERS The ARKANSAS STATE BANK DEPARTMENT has received an ap-plication by The First National Bank of McGehee, McGehee, for a charter conversion to be known as First Natu-ralState Bank, McGehee.MERGERS AND ACQUISITIONS The ARKANSAS STATE BANK DEPARTMENT has approved an ap-plication by the The Farmers and Mer-chants Bank, Stuttgart, for a merger with The Bank of Fayetteville, Fayette-ville, and issued a certificate of merg-er effective November 30. The ARSBD has received an appli-cation by First National Bancorp Inc., Green Forrest, for an acquisition of Twin Lakes Community Bank, Flippin. The ARSBD has filed an applica-tion by The Citizens Bank, Batesville, for a merger with Parkway Bank, Rog-ers. The ARSBD has filed an application by Bank of the Ozarks, Little Rock, for a merger with Community & Southern Bank, Atlanta, GA. The FEDERAL RESERVE BANK OF ST. LOUIS has received an applica-tion by Stone Bancshares Inc., Moun-tain View, to become a bank holding company by acquiring 100% of Stone Bank, Mountain View.LouisianaBRANCHES The OFFICE OF FINANCIAL IN-STITUTIONS has approved an appli-cation by Gulf Coast Bank and Trust Company, New Orleans, for a branch at 300 W. Morris Ave., Hammond. The OFI has approved an applica-tion by Commercial Capital Bank, Delhi, for an LPO at 100 N. Cherry St., Hamburg, AR. The OFI has filed applications by IberiaBank, Lafayette, for LPOs: 106 Dover Rd., West Memphis, AR; 1050 Ellis Ave., Ste. 105, Conway, AR; and 2566 E. Joyce Blvd., Ste. 1, Fayette-ville, AR.MERGERS AND ACQUISITIONS The OFi has approved an applica-
tion for the proposed merger of Bank of Ringgold, Ringgold, with and into Bank of Montgomery, Montgomery, and to establish existing offices of Bank of Ringgold as branches of Bank of Montgomery.TexasBRANCHES The FRB OF ATLANTA has received an application by Compass Bank, Bir-mingham, AL, for branches: 5900 Que-bec St., Fort Worth, and 4640 Wood-lands Pkwy., The Woodlands. The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by Wallis State Bank, Wallis, for a branch at 2067 N. Central Expy., Ste. 104, Richardson. The TXDB has withdrawn an appli-cation byPlainsCapital Bank, Dallas, for a courier branch to serve Cameron, Hidalgo, Starr, and Willacy counties.HOME OFFICE RELOCATION The TXDB has approved an appli-cation by Mainland Bank, Texas City, for a home office relocation from 2831 Palmer Hwy. to 2501 Palmer Hwy., Tex-as City.MERGERS AND ACQUISITIONS The TXDB has approved an ap-plication by Wellington State Bank, Wellington, for a merger with Security State Bank, Littlefield. The TXDB has announced an appli-cation by Security State Bank, Anahuac, for a merger with Post Oak Bank, N. A., Houston, was effective November 30.
The FRB OF DALLAS has received an application by BankCap Equity Fund LLC, BankCap Partners GP L.P., and BankCap Partners Fund I, L.P., each a registered bank holding company lo-cated in Dallas, to acquire up to 23.2% of voting shares of Vista Bancshares Inc., Ralls, indirectly through BankCap Partners Opportunity Fund, L.P., Dal-las. Vista Bancshares Inc., is the par-ent company of Vista Bank, Ralls Q
FDIC Announces Resource, Cybersecurity AwarenessAs part of the FDIC’s Community Banking Initiative, the agency on No-vember 30 reported it is adding to its cybersecurity awareness resources for financial institutions. These include a cybersecurity awareness video and three new vignettes for the Cyber Chal-lenge, which consists of exercises that are intended to encourage discus-sions of operational risk issues and the potential impact of information technology disruptions on common banking functions. To help community financial insti-tutions assess and prepare for these operational risks, the FDIC is incorpo-rating new tools to its Directors’ Re-source Center at https://fdic.gov/regula-tions/resources/director/. Cyber Challenge is available at https://www.fdic.gov/regulations/resources/director/technical/cyber/purpose.html Q
Page 10 BANKERS DIGEST December 21, 2015
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First Financial Bank-Glen Rose, TX, is seeking MARKET PRESIDENT/ EVP/BRANCH MANAGER with a minimum of 5 years management and commercial lending experi-ence. Candidate needs excellent communication skills, ability to promote good customer relations, and strong business development skills. Interested applicant may ap-ply online at www.ffin.com or con-tact Vickie at [email protected] with questions. AA/EEO/Veterans/Dis-abled employer.
CREDIT ANALYST – Fort Worth, TX - Responsible for analyzing busi-ness and personal financial state-ments and tax returns, completing analytical underwriting summaries for new and existing borrowing re-lationships, computing global cash flow analysis, performing loan and portfolio stress testing, perform-ing profitability analysis, managing appraisal ordering process, and participating in loan committee meetings. Requirements include excellent writing and good verbal communication skills, bachelor’s degree in finance, accounting, or related field, and minimum 1 year of credit analyst experience with a bank. Complete job description can be viewed at www.worthington-bank.com. Please send resume to [email protected].
Northstar Bank, a community bank located throughout the Dallas/Fort Worth Metroplex and surrounding communities, is looking for Com-mercial Lenders. A COMMERCIAL LENDER at Northstar is responsible for commercial relationship devel-opment and maintaining and gen-erating a portfolio with a primary focus on commercial (C&I) loans. Please visit https://www.nstarbank.com/about-us/careers.html to apply. M/F/V/D.
December 21, 2015 BANKERS DIGEST Page 11
C L A S S I F I E D Are you an Aggie looking to come back home to College Station? Do you love working with small busi-nesses ($1-5MM)? BBVA Compass could be the next stop in your ca-reer. We are looking for an expe-rienced Business Banking Officer. Send resume to [email protected] or call 334.435.9439.
First United Bank is seeking a SE-NIOR LEVEL COMMERCIAL LEND-ER with good Business Develop-ment skills for the Lubbock market. Knowledge of agricultural credits a plus. Please email resume and salary requirements to [email protected].
First United Bank seeks SENIOR LENDER/BANKING CENTER MAN-AGER to oversee $115 million branch located in Lamesa, TX. Ap-plicants must have a bachelor’s de-gree in business or ag business/eco-nomics, and have at least 10 years of agricultural lending experience. Individual must possess strong busi-ness development skills. Prior man-agement and leadership skills a plus. We offer a competitive salary & great benefits package. Qualified candidate please forward resume’ to [email protected] or apply online at www.firstunited.net.
First State Bank - Graham, TX, is seeking a COMMERCIAL LENDER/BRANCH MANAGER. Candidate needs excellent communication skills, ability to promote good cus-tomer relations, and strong busi-ness development skills. 3+ years lending experience is preferred. In-terested applicant can send resume to [email protected].
SVP TRUST OFFICER sought for community bank in Amarillo, TX. Excellent networker with 10+ years of fiduciary client services/sales suc-cess desired. Please email your re-sume to [email protected] if
interested. Equal Opportunity Em-ployer – Member FDIC
Alliance Bank currently has an op-portunity for a LOAN/ADMIN ASSIS-TANT located in Sulphur Springs, Texas. This position is responsible for all the administrative and cleri-cal duties inherent in the process-ing of loans. This position supports a Senior Vice President primarily responsible for commercial lend-ing. Interested candidate must have a minimum of 2 years previous ex-perience in loan administration. Strong preference for experience in commercial loan administration and thorough knowledge of bank-ing laws and regulations. Please email Julie Degelia for more details or to submit a resume. [email protected] Equal Opportunity Employer.
Progressive, independent commu-nity bank is seeking a seasoned OPERATIONS OFFICER to oversee and provide leadership to opera-tions management by incorporat-ing and ensuring efficient processes in an environment of unexcelled customer service and satisfaction. Responsible for adherence to regu-lations and bank policies and pro-cedures. The successful candidate will possess a degree in a business or accounting discipline with 5-10 years bank operations experience. Competitive compensation pack-age. A complete job description can be found at bankvnb.com Please send resume to [email protected]. EEO/M/F/D/V/Affirmative Ac-tion Employer
COMMERCIAL AND REAL ESTATE LENDER for expanding Northeast Tarrant County bank. Position re-quires previous commercial and real estate lending experience with-in Northern DFW area markets. Col-lege degree in finance, accounting, or related field is required. Ideal candidate should have strong credit
underwriting background with pre-vious lending experience and pos-sess strong business development skills. Send resume’ to [email protected].
COMMERCIAL CREDIT ANALYST for expanding Northeast Tarrant County bank. Bachelor’s degree in finance, accounting or related field required. Must have excellent writ-ten and good verbal communication skills and be proficient in Microsoft Excel and Word. Previous commer-cial credit underwriting experience desired. Send resume’ to [email protected].
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PERIODICAL
ATM MANAGEMENT (continued from Page 3)
of the ATM delivery channel, when the financial institution elects to sell its ATMs to the service provider. The con-stant capital drain, as a result of new technology, regulation or standard, is no longer part of the profitability or ef-ficiency calculation. By using a single ATM managed services provider, banks and credit unions realize many benefits – cost savings, freeing up the staff to con-centrate on newer and more profitable
products, better maintenance and ser-vice, reduced headaches over regula-tory compliance, and better technolo-gy options. All of these improvements translate into a better branding for the financial institution by providing the cardholder with a more cohesive user experience Q
About the author: Paul Albright is vice president, sales and marketing for Outsource ATM. He is a recognized in-dustry leader in the payments space.
He maybe contacted at [email protected], by telephone at 832/721-1235, or connect with Paul on LinkedIn or follow him on Twitter. Troy LeBlanc is president of Out-source ATM. He has been helping fi-nancial institutions address their ATM needs for almost 20 years. Connect with Troy on LinkedIn. Outsource ATM is located at 12300 Dundee Ct., Ste. 115, Cypress, TX 77429. Telephone: 281/304-2204. Web-site: www.OutsourceATM.com.
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