Duties: Performs a variety of routine daily tasks, to include: Assisting Vendors & NOC Group as needed; Balance ATM’s and Vaults on Daily basis; Resolves problems; REG-E Disputes; Run Daily dispense reports; Respond to daily email requests from the branches and the NOC Group; Volume Reports, and other duties as assigned.

Requirements: Working knowledge of Reconciliation; Balancing ATM’s and Disputes; Strong analytical skills; Written/verbal communication skills; PC proficiency; Ability to multi-task; Attention to detail; Must be a Team player.

Prefer: N/A

Duties: Maintain a comprehensive understanding of the Policies and Procedures that pertain to Bookkeeping, as well as stay up to date with the changes to Deposit Operations Bank related Regulations. Responsible for overseeing the daily operations of the Bookkeeping Supervisor, the Bookkeeping Team Leads, and the Bookkeeping Representatives to ensure they follow and implement the Policies and Procedures that pertain to the department, as well as other banks regulations as necessary. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Listed are representative of the knowledge, skill and / or abilities required. Ensure that all daily deadline duties are being handled and that the different reconcilement spreadsheets that belong to Bookkeeping are being handled in a timely manner by the Supervisor and/or Team Leads. Verify that any large outages are handled immediately and that Senior Management is informed if needed; Partake in different meetings relating to fee schedule, policy, procedure, and internal document changes; Assist Senior Management with reports needed for evaluation of updates or changes to Regulations that may affect the Bank ;Conduct monthly GL audits to ensure that appropriate processes are being followed when fee refunds are being conducted by other Bank personnel; In charge of Account Analysis; Update the Business Continuity Plan on an annual basis to ensure that all areas of the department are considered in case of an emergency or in case we have to work in contingency mode; Review and implement changes needed to streamline department processes; Responsible for maintaining and updating the department’s policy and procedures; Enforce the regulations and ensure the department remains compliant with such procedures; Gather and document information for internal / external audit and bank examiner request; Responsible for corrective and disciplinary actions of all Bookkeeping employees; Attend seminars/trainings that will provide updated information that affects the Bookkeeping department or Deposit Operations directly/indirectly; Manage the quality control of the Supervisor and Team Leads’ specific duties. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Requirements: Knowledge of administrative and clerical procedures, banking terminology, managing files, records, and other office procedures; Familiar with ACH Rules and Regulations that pertain to Deposit Operations; 3-5 years of bank experience; Minimum of 1 year experience as a manager or supervisor; Previous work experience in Bookkeeping; High School Diploma or GED.

Prefer: Some college credit hours in related business field; Business degree in related field; Any certification relating to Bookkeeping, ACH or managing / supervising.

Duties: Assist FNB employees through e-mails and phone calls in reference to research, reconciliation of General Ledger (GL) accounts, overdraft issues to include charge-offs, OD Protection (ODP), and exception items including but not limited to: NSFs, non-posted transactions, stop payments and general transaction exception questions; Daily posting of customer transaction exceptions; Research and analyze customer account information requests and make necessary corrections if needed; Work with statements and account maintenance; Resolve GL outages due to closing of accounts and item processing corrections and adjustments; Process adjustments as needed to clear possible outages; and other related duties as assigned.

Requirements: At least 1 year of Bank bookkeeping experience; Strong verbal and written communication skills; PC proficiency; Ability to multi-task; Attention to detail; Analytical skills; Team player.

Prefer: Knowledge of JHA system.

Duties: Plans, directs, and organizes the sales and daily operational activities of the assigned branch, including lending; servicing accounts; cashiering; and customer relations activities. Manage and service a loan portfolio including but ,not limited to, business development, underwriting, originating, servicing, maintaining files and records, obtaining all appropriate documentation, completing reports, conducting inspections and handle all aspects of the collection and recovery process. Ensures compliance with Bank policies, procedures and statutory regulations. Promotes business development and maintain deposit services, credit administration, community relations, and all other branch operations. Prepare and present financial reports to Board of Directors, Sr. Management, etc. Review collection reports and take necessary actions. Participate in the approval/disapproval of lines of credit regarding commercial real estate and personal loans. Maintain effective communications between the branch and Bank operational departments through professional communications, reports, etc. Maintain prescribed security controls to protect against criminal or fraudulent activity and unnecessary risk or exposure. Interview, hire, train, promote, discipline, and recommend termination of employees. Plan and direct work assignments. Appraise work performance and address and resolve complaints/problems. Ensure that all branch personnel understand the Bank’s business objectives, as well as their individual departmental objectives, and that they work together to achieve the stated objectives. Be available to help resolve conflicting objectives. Ensure professional and respectful communication between all departments. Ensure that all branch personnel perform their job duties in a safe manner and that they take all reasonable precautions to avoid work-related accidents. Special projects and other duties as assigned.

Requirements: Bachelor’s degree in Finance, Accounting, Business Administration or related field; 4-5 years experience in Consumer and Commercial Lending; Experience in the marketing, maintaining and selling of ORE properties; Thorough working knowledge of the legal requirements of Commerical loan collections and protection of the Bank’s collateral; Strong analytical skills and orientation to detail and ability to meet project deadlines; Excellent verbal and written communications skills; Knowledge of economic and accounting principles and practices, the financial markets, banking and the analysis and reporting of financial data; Knowledge of business and management principles involved in strategic planning, resource allocation, leadership technique, and coordination of people and resources; Effective time management and problem solving skills; Effective supervisory and leadership skills, to include: motivating employees, goal setting, performance management, conflict resolution, etc; Ability to define problems, collect relative data, establish facts, draw valid conclusions, and develop effective corrective actions; Ability to read, analyze and interpret common banking-related journals, financial reports and legal documents and apply information to daily job duties; Ability to respond to common inquiries or complaints from customers, regulatory agencies or members of the business community; Ability to develop and grow new business opportunities; Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, and sales techniques.

Prefer: N/A

Duties: Reviews and analyzes account transactions for suspicious activity. Work with account officers to better understand the customers and their activities. Completes reports of the activity noted during the review process to be presented to appropriate committee.

Requirements: Knowledge of Teller/New Account procedures preferred or equivalent educational experience; Attention to detail with strong organizational, analytical, and communication skills; Knowledge of and experienced with MS Excel and Word.

Prefer: N/A

Duties: Individual must have the ability to gather, compile, interpret, analyze and summarize information and data to identify sales opportunities. Utilize and update the established Commercial sales pipeline and customer worksheets for timely tracking and follow up of referrals in progress. Coordinate and assist with product implementation between customers and internal bank departments. Perform in-person and telephone product presentations and demonstrations to existing customers and prospects. Assist customers, prospects and bank staff with commercial product questions, needs, and clarification via e-mail, telephone or in person. Perform other duties as assigned.

Requirements: High school diploma or equivalent; 2+ years of banking experience with customer interaction; Ability to multi-task and effectively complete tasks in a timely manner; Highly effective verbal and written communication skills; Ability to read, analyze and interpret common banking related transaction information, financial reports and legal documents; Strong analytical skills; Clear and confident presentation skills; PC proficiency; Attention to detail; Must be a Team player.

Prefer: Knowledge of commercial bank products, terminology and functions. Bachelor’s degree from a 4 year college or university.

Duties: Become familiar with each employee's duties and responsibilities for all operational departments; Assist in developing procedures to review each department to ensure current bank policies and bank operating procedures are compliant with banking laws and regulations. Conduct periodic reviews or audits to ensure that compliance procedures are followed. Identify compliance deficiencies, develop risk management strategies, and revise policies, procedures, controls, or disclosures to comply with the laws and regulations. Plan and conduct training to communicate all revisions. Must keep informed regarding any pending legal or regulatory changes, trends and best practices. Will assist with the review of input for HMDA, Flood and CRA for accuracy to source documents; the annual monitoring for compliance of programs that are required by bank policies; annual reviews of bank policies; annual assessments of Red Flags, Information Security, Fair Lending, and Compliance; coordinating the completion of risk assessments for new or changes to bank products and services; And other duties as assigned.

Requirements: Minimum 5+ years of work experience in multiple Bank departments; Microsoft office products ( Excel, Word, PowerPoint, and Outlook skills); Excellent written and verbal communication skills; Knowledge of bank policies and procedures.

Prefer: Bachelor’s degree in Business or related field experience in compliance; auditing

Duties: The Credit Administration Clerk will assist in providing clerical support to the Credit Administration Department in all related areas. Duties include handling incoming calls, emails and faxes. Following up on pending work / ticklers. Input and scan data into Silverlake, Synergy and work on various spreadsheets. Prepare GL tickets and other duties as assigned.

Requirements: Knowledge of administrative and clerical procedures, managing files, records, and other office procedures; Attention to detail with strong organizational, analytical, and communication skills; Knowledge of and experienced with MS Excel and Word; Knowledge of and experienced with telephone, fax machine, copier and scanner; Excellent typing skills; Ability to multi-task, prioritize and meet deadlines with little or no supervision; Ability to work independently and / or as part of a team.

Prefer: N/A

Duties: Analyze financial statements of prospective and existing borrowers in relation to new or renewal loan applications or periodic credit review of relationships; Summarize new and renewed loan requests in written form following standardized formats for loans which require approval via Loan and Discount Committee; Determine borrower(s)/guarantor(s) global cash flow and debt service ability and compare financial trends and ratios relative to borrower/guarantor(s) prior years and industry peer group; Analyze collateral type and value for proposed or renewed loans; Summarize findings and make recommendation for loan grade and/or non-accrual designation, if warranted, and loan policy violation identifications, if present; Assist with the initial establishment and ongoing update of Action Plans for loan relationships and ORE over $1MM in size in concert with the appropriate Loan Officer and under the supervision of the Credit Review Officer and Senior Credit Review Officer; Interfaces with Loan Officers professionally, timely and effectively to assist with the preparation of Credit Reviews, Action Plans and any other Credit Review Departmental task; Assist with the compilation, scanning and dissemination of the weekly Loan and Discount Committee meeting package, updating ticklers for newly received financial statements and logging the receipt and ensuring the timely completion of Credit Review requests; Maintain a competent knowledge of bank loan policy and regulatory requirements/guidelines as same pertain to all aspects of the Credit Review Department and its function. Continually utilizes internal and external resources to ensure a continuing education, in order to remain proficient and topical to ensure personal and departmental growth and efficiency; Assist with the preparation and review of Credit and Collateral Files (as needed) prior to the annual regulatory exam (seasonal); Maintain and secure client credit files both electronically and on paper and maintains customer confidence and protects operations by keeping information confidential (continually); Promote business for the bank by maintaining good customer relations and referring customers to the appropriate staff for services (as any opportunities arise); and Other related duties as assigned.

Requirements: A demonstrated ability to understand financial statements, utilize analytical and presentational software and maintain flexibility in a fluid working environment; Strong analytical skill sets capable of effectively analyzing financial and non-financial data, determining trends in the data and stress-testing both financial and non-financial components of individual loans and portfolio segments and solve problems; Professional written and verbal communication and presentation skills; Ability to maintain complete confidentiality in regards to bank-related business; Project-driven and able to demonstrate solid and consistent work effort (to include working the hours required to complete tasks in a reasonable time frame and within assigned deadlines); Ability to calculate and graph figures and amounts such as discounts, interest, proportions, percentages, and area and apply these concepts to practical situations; 1-3 years prior Credit Review or Loan Review experience (unless applicant has appropriate college degree); PC proficiency to include Microsoft Office products with emphasis on Excel and Word; Ten-key calculator proficiency; Bachelors degree in Accounting, Finance, or other business-related degree (dependent upon prior work experience).

Prefer: Knowledge and understanding of Bank regulations and Credit requirements and procedures; A ‘big picture’ mentality capable of taking a variety of factors into consideration in the review process and conveying those factors in writing in the review; A positive mental attitude, capable of inspiring fellow teammates and an eagerness to learn new skills, seek new responsibilities, while improving themselves and the bank; Ability to read and speak Spanish language to meet operational requirements; Ability to work professionally in a team environment and produce bottom line results; Ability to read, analyze, and interpret: financial statements and reports of varying levels of complexity, general legal documents, general business periodicals, professional journals, technical procedures, or governmental regulations; Ability to effectively present information and respond to questions from top Management, Regional/Branch Presidents, Lenders, and/or Board of Directors; Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form and to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists; Ability to define problems, collect data, establish facts, and draw valid conclusions; Working knowledge of collateral instruments (i.e., Real Estate documentation, Letter of credit, UCC filings, and personal/corporate guarantees, etc.); PC proficiency (to include Moody’s Risk Analyst and similar financial software); Working knowledge of Microsoft Power Point, Access or other database knowledge.

Duties: Assists customers with phone inquiries; Resolves problems; Cross sells services; Takes messages; and other duties as assigned.

Requirements: Customer orientation with ability to speak and understand Spanish; PC proficiency; Team player; Strong verbal communications skills, etc.

Prefer: N/A

Duties: Responsible for operational support duties of the Deposit Compliance Department; Assists the Senior Operations Officer as directed; Assists in ensuring compliance with Regulation E, D and CC; Assists in the coordination and support of compliance audits and examinations; Provides clerical assistance on the Bank's compliance policies and procedures; Performs a variety of routine daily tasks; Reviews reports; Prepares correspondence; Participates in special department projects, and other duties as assigned.

Requirements: Banking experience required (JHA system knowledge preferred); Strong verbal and written communication skills; PC proficiency; Ability to multi-task; Attention to detail; Analytical skills; Team player.

Prefer: N/A

Duties: The Internal Auditor will perform designated audits and provide support to auditors. The Auditor works independently, with little direct supervision, and on project teams to perform appropriate process analysis and evaluate internal controls. The individual will help determine scope, develop the detailed project plan and budget and schedule audit tasks. The Auditor will organize and prepare audit work papers and other documentation to document audit work and support audit findings. Provide timely written and verbal communication of audit status and findings to management. The Auditor will successfully complete projects by preparing the draft audit report and negotiating with management practical action plans to resolve issues identified during the audit; Other duties as assigned.

Requirements: Bachelor's degree in accounting, finance general business or acceptable equivalent; Two to five years of audit experience, or a combination of audit experience and relevant bank operations; Strong working knowledge of current information accounting and auditing standards; Accounting and Audit terminology, and internal auditing standards; Knowledge of risk management framework such as COSO; Effective verbal and written communication skills.

Prefer: Professional certification is encouraged (e.g. CIA, CPA).

Duties: Provide system administration, operational support, problem resolution; Perform hardware and software installations and upgrades; Monitor system performance and capacity; Forecast system demands and recommend upgrades, expansions, reconfiguration; Troubleshoot problems and take appropriate corrective action;Interact with IT staff or vendors in performing complex testing, support and troubleshooting; Document standards and operating procedures; Act as a technical resource to IT staff and system users;Manage projects and work related tasks.

Requirements: Bachelor’s degree in related field or 2-5 years applicable experience; Microsoft Server Administrator / Engineering support experience; Good understanding of TCP/IP and Active Directory networking; Experience helping business personnel get the most out of technology.

Prefer: N/A

Duties: Conducts independent and objective assessment of assigned commercial, commercial real estate and retail credits; Designates credit risk grade to determine loan portfolio quality; Ensures compliance and notes deviations from Bank policy and safety and soundness practices; Tracks financial, collateral and other documentations exceptions for follow-up; Analyzes sound worth of security interest, ensures lien perfection and notes possibility of loan impairment; Identifies trends, anomalies and structural weaknesses that may affect borrower performance and increase credit repayment risk; Determines accrual status based on asset’s payment ability, performance, and collectability; Performs in-depth financial analysis; Reports findings to Senior Loan Review Officer; Familiar with external bank examiners’ rules and regulations, new releases and publications to ensure bank’s compliance with law and sound banking practices; Familiar with current economic conditions and any secular, cyclical, or seasonal factors, nationally, regionally, and local industry conditions; Prepares written reports summarizing analyses, conclusions and recommendations for presentation to Board of Directors and Executive Management; Written analyses must be concise but thorough, and subject to review by external bank examiners.

Requirements: Bachelor's degree from a four-year college or university required in Accounting or Finance; Two or more years loan portfolio analysis working experience, commercial lending or related banking experience; Ability to read and interpret Recorded Documents in Spanish to determine Bank’s lien position; Ability to read and translate Mexican Corporate Documents and Recorded Documents; Excellent analytical and detail skills; Excellent written and communication skills both English & Spanish; PC proficiency in MS Excel and related software; Ability to develop and present information; Knowledge of commercial appraisal review or training; Maintain an objective and independent perspective throughout the entire review process; Evaluate loan officer assigned risk ratings; Evaluate loan officer compliance to Bank policies/procedures; Assess management supervision within lending portfolios; Prepare written/oral communications and reports; Provide suggestions/recommendations for improvement, etc.; Strong credit/financial analytical skills; Full knowledge of US and Mexico Tax Returns (Personal and Corporate); Knowledge of Corporate Structures (Corporations, S Corp, Partnership, LLCs, DBAs, etc.); Knowledge of Collateral Instruments (Deed of Trust, Security Agreements, UCC filings, etc); Knowledge of regulatory requirements, market area and economic climate, and standards applicable to commercial lending, commercial real estate, construction, and retail loan portfolio; Ability to define problems, collect data, establish facts, and draw valid conclusions; Ability to prioritize tasks with strong organization and detail oriented skills; Ability to handle changes in the reviews and to work under pressure (deadlines and differences of opinion); Must be fully bilingual in English and Spanish (written and oral); Strong leadership and teamwork skills; Ability to travel (including overnight) as required.

Prefer: N/A

Duties: Directs and assists New Account staff to ensure quality service and compliance with policies and regulations; Assists customers with bank services and inquiries; Advises Branch President on activities and assists with business development activities; Ability to speak and understand Spanish; and Other duties as assigned.

Requirements: Excellent customer service skills; Demonstrated teamwork skills; Working knowledge of bank services and products; Effective leadership skills; Strong PC proficiency required.

Prefer: Sales oriented.

Duties: Supervises, directs and assists New Account staff to ensure quality service and compliance with policies and regulations; Assists customers with bank services and inquiries; Advises Branch President on activities and assists with business development activities; Ability to speak and understand Spanish; and Other duties as assigned.

Requirements: Excellent customer service skills; Demonstrated teamwork skills; Working knowledge of bank services and products; Effective leadership skills; Strong PC proficiency required.

Prefer: Sales oriented.

Duties: Opens new accounts; Cross sells services; Sets up new accounts and check orders on system; Business development as needed; and other duties as assigned.

Requirements: Knowledge of bank services and products preferred; Customer/Sales orientation; Ability to speak and understand Spanish; PC proficiency.

Prefer: N/A

Duties: Receives all new ORE/OA assignments and prepares an ORE file; Ensures that all pre-foreclosure documentation is complete (we have appraisal, environmental where needed, title report, etc.); Identifies all issues that need to be addressed on the property and working with our facilities manager to address those issues (as well as arrange for the necessary cleaning, maintenance, and lock changes); Obtain approvals for repairs or completion of construction, (as may be appropriate); Evaluates leased properties and immediately engages a management company to operate them to maximize the cash flow from the asset pending sale; self-manages some properties (where appropriate), to minimize cost; Reviews title and other documents to identify M&M liens that need to be cleared, etc.; Arrange for utilities to be in place; Ensures that each property has appropriate insurance coverage; Work with outside legal counsel on evictions or other actions needed to preserve and protect the property; Engage a real estate broker and/or manage other marketing as may be appropriate (including providing recommendations for listing prices); Continually monitor valuations and recommend charge-downs or reserves (as may be required); Prepare periodic reports to management for current inventory, sales, etc.; Review all offers presented and ensure that offers to be submitted for approval have the appropriate contract documentation; Coordinate with brokers and title companies to ensure timely closing on all pending sales; Ensure that all accounting entries are timely and accurately prepared and submitted upon closing of a sale.

Requirements: 1-3 years experience in residential and commercial real estate transactions; 1-3 years experience with contract/document review; Some college helpful, prefer bachelor’s degree in a business-related field of study; Superior organizational skills; Good attention to detail with documents and numbers; Good interpersonal skills to work with both internal and external contacts; Strong team skills, ability to assist co-workers as needed; Proficiency (basic) with MS Excel.

Prefer: N/A

Duties: Responsible for managing a portfolio of problem loans. Manages the largest and most complex consumer, commercial, and real estate loan portfolio. Utilizes a high degree of independence in managing a large portfolio of a diverse and complex nature. Works in a team environment developing and recommending strategies to maximize recovery and reduce losses from own portfolio of commercial credits. Works closely with borrowers, executives, attorneys and mid-size company groups to review and restructure credit and repayment terms to better secure collateral, attain an equity position or charge-off the loan as appropriate. Other related duties as assigned.

Requirements: Bachelor's degree in finance, economics or related field; Interacts with OCC on a regular basis to maintain compliance with ever-changing bank and regulatory environment; Interacts with Credit Review on credits under review and compliance with Criticized Asset Policy; Develops plans to maintain compliance with lending policies, OCC regulations and other applicable guidelines/laws; Performs review of impairment calculations to confirm loss/reserve exposure on credit; Performs review of Troubled Debt Restructure analysis to ensure loan officers properly evaluate credits under TDR guidelines; Oversee compliance with Sarbanes-Oxley (SOX) controls as mandated by bank policy and monitored by Audit; Thorough working knowledge of analysis of corporate financial statements and commercial/corporate structure; Strong working knowledge of loan restructuring and re-negotiation of interest rates, terms, collateral requirements, documentation and loan agreements; Excellent verbal and written communication skills to interact effectively with all levels of Bank personnel and customers; Strong telephone communication and decision making skills; Strong leadership and people management skills; Demonstrated ability to analyze credit and to develop and negotiate repayment terms with mid-size companies and high net worth individuals; Ability to work professionally in a team environment and produce bottom line results; At least 3 years of management experience in commercial lending or work out environment; Minimum 7 years in complex consumer, commercial, AG, real estate and/or private banking lending/account management experience in a financial institution required; Minimum 7 years analyzing corporate financial statements and commercial/corporate structure required; Minimum 7 years experience with loan restructuring and negotiation required; Minimum 7 years experience analyzing credit and negotiating repayment terms required.

Prefer: At least 5 years Regulatory or similar experience.

Duties: Assist in multiple department functions such as process and review accounts in collection demand, foreclosures, repossessed assets and court order documents with ability to negotiate and obtain agreements; data entry, analytical thinking with effective problem solving skills. Performs loss mitigation and recovery activities in accordance with guidelines; Handles customer accounts in various stages of collection; Contact attorneys through written correspondence and telephone calls to obtain misc. information as required; Promptly communicate questions, concerns, and issues to management as needed to ensure accounts are handled following guidelines and applicable laws; Focuses efforts on minimizing losses and enhancing loss recovery; Participates in the early, mid or late stages of the collections process to include foreclosures, repossessions, charge offs, recovery, bankruptcy and liaison collections; Performs daily tasks, reviews reports, prepares correspondence, and participates in special projects; and other duties as assigned.

Requirements: Knowledge of MS Word, MS Excel and PC Proficient; Ability to multi-task, strong verbal & written communication skills, speak and understand Spanish; Understand accounting and reconciliation; Energetic, focused, and team-oriented; Experienced in oral and written communication.

Prefer: N/A

Duties: Cashes checks; Processes deposits and change orders; Balances cash drawer ensuring accuracy; Cross sells services and other duties as assigned.

Requirements: Working knowledge of cashier operations; Customer orientation; Attention to detail with number/math skills.

Prefer: N/A

Duties: Cashes checks; Processes deposits and change orders; Balances cash drawer ensuring accuracy; Cross sells services; Opens new accounts; Sets up new accounts and check orders on system; Business development as needed; and other duties as assigned.

Requirements: Working knowledge of cashier operations and bank services/products; Customer/sales orientation; Attention to detail with number/math skills; Ability to speak and understand Spanish; PC proficiency.

Prefer: N/A