SVP, Associate Director

The Associate Director – Commercial Lending is responsible for the overall performance of the team of relationship managers and respective loan and deposit portfolios assigned to them; ensures that all aspects of the Team's activities obtain maximum profits commensurate with the best interest of shareholders, customers, employees, and the public. The Associate Director – Commercial Lending reports to the Chief Banking Officer. Provides the highest level of customer relations and service; and ensures compliance with Bank policies and procedures. The position of Associate Director – Commercial Lending is directly responsible for attaining all established team operational and financial goals. Performs supervisory duties of staff, coordinates staff for coverage in all related areas of the department.

Assures compliance with all Bank policies and procedures, as well as, all applicable state and federal banking regulations.

Responsibilities:

• Ensures that tasks, objectives and goals designated and approved by the Bank's Chief Banking Officer are fulfilled as directed.
• Ensures the Chief Banking remains fully informed on the conditions and operations of the team's portfolio and the important factors influencing operations and decisions made by the Associate Director – Commercial Lending and respective team members.
• Develops annual team goals and monitors this in conjunction with the Chief Banking Officer. Associate Director – Commercial Lending shall perform quarterly production reviews with each relationship manager (goal vs. actual) and shall provide a quarterly consolidating team goal vs. actual report to the CEO, prior to the third Friday following quarter end.
• Supervises and works closely with all relationship managers to develop annual production and career development goals.

• Works with other departments and product specialists assigned to the team to ensure relationship managers can effectively cross-sell products and adhere to the associated implementation process.

• Ensures that all Commitment Reports are thorough, accurate and adhere to Bank policy.

• Monitors team overdraft, past dues, NSF, credit and collateral exceptions and ensures all are maintained within a reasonable minimum.

• Leads by example. The Associate Director – Commercial Lending is a "player coach". He/she will set the standard in the areas of:

• Adherence to and promotion of Corporate Values:

• Production;
• Portfolio Management;
• Credit Underwriting; and

• Commitment to Process, particularly in the areas of:

  • Loan Administration
  • Business Development
  • New Account opening
  • Approval Authority and Authorization Limits

• Executes the TSB Business Development model by:

• Engaging in business development activities through a network of contacts developed;

• Performs queries utilizing Business Wise to ensure all companies have been contacted and rated;
• Ensures all prospect calls are input into Business Wise;
• Promotes the TSB Institute by ensuring top prospects are invited to monthly continuing education training; and

• Promotes cross-selling of bank products – including residential mortgages, insurance, merchant card services, credit cards and cash management

• Proactively reducing the departments' watch and substandard loans.

• Represents the Bank in community, civic, and community reinvestment functions.
• Directs, monitors, and appraises the performance of relationship managers on the team.
• Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow through with customers and/or staff involved.
• Provides supervision and support to all areas of the branch or department where service or assistance is needed; oversees activities of assigned department personnel; opens and closes the department.
• Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the team, coordinating available resources (e.g., staff, materials, etc.) for maximum results.
• Consistently applies superior decision-making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development.
• Assumes responsibility for special projects; gathers data and prepares reports for the Chief Executive Officer and Chief Credit Officer.
• Plays a positive role in the development and growth of assigned staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff.
• Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training.
• Processes, solves and answers complex customer transactions, problems or inquiries.
• Assumes responsibility for various team functions in the absence of staff members or in overload situations.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank's goals and values; benefits the bank through outside activities.

Required Qualifications:

• Bachelor's degree from a four-year college or university. Work-related experience must consist of management experience in the financial services industry. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related.
• Mastered knowledge of related state and federal banking compliance regulations, and other Bank operational policies.
• Mastered knowledge of Bank policies and procedures, and the Bank's products and services.
• Exceptional organization skills with the ability to provide leadership, supervision and training for three or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills.
• Advanced knowledge of human resource labor laws and policies.
• Basic skills in computer terminal and personal computer operation; mainframe computer system; word processing and spreadsheet software programs.
• Basic typing skills to meet production needs of the position.
• Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.
• Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees.
• Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate).
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Ability to work with no supervision while performing duties.
• Current Texas driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.

Preferred Qualifications:

Computer/Software Programs used will include (prior experience with these is helpful):

• Fiserv-Precision (core system).
• Fiserv-Director Unity (document imaging).
• Microsoft Office.
• Microsoft Excel.
• NCino Sales Force.

Why join Texas Security Bank:

We are more than just a Bank. Are you ready to join a team of Champions? Texas Security Bank is proud and honored to be an award-winning organization where our employees serve as brand ambassadors to our customers, our community and each other. The TSB core values; integrity, growth, team players, independent thinking, exemplary customer service, winning, innovation, collaboration, discipline to process and diligence are the principles established that determine how we conduct ourselves and our business decisions.

Texas Security Bank is a place where you will be challenged to excel and given room to grow as a valued part of one of North Texas' fastest-growing community banks. We are honored to be a Best Workplace by the Dallas Business Journal, the Dallas Morning News, and the Best Workplace Institute. The awards are a reflection of our positive workplace culture and a distinction we are proud to have earned. We work hard every day to ensure our employees know they are valued and appreciated.

We invest more resources in business education for owner managed businesses than other banks. Our focus on continuing education is truly unique and needed. We Elevate the Champions of Free Enterprise in an era where little differentiation among banks exists. Our focus on education isn't just for our customers- it's for our employees as well.

About Us:

Texas Security Bank is an independent bank focused on the success of independent business owners. Most banks are institutional. We're entrepreneurial. We were founded in 2008 and have grown to over $1 Billion in total assets. We do more than offer services to customers; we solve problems. We are unique in the banking industry with a mission to 'Elevate the Champions of Free Enterprise' and are committed to reinforcing the mission by educating business owners, elevating our customers and the community, and leading through innovation and exemplary customer service. As an organization that celebrates its wins, we are honored to be named the Dallas Morning News People's Choice Award for Best Bank in DFW, Dallas Business Journal's Best Place to Work and have a Net Promoter Score of 87.8 when the banking benchmark average is 30.