Garett Longwell has joined Mutual of Omaha Bank as a senior commercial

banker in Hous-ton, TX. Based out of the bank’s new commercial lend-ing office at 520 Post Oak Blvd., he will work with Houston busi-nesses. Longwell has nearly 20 years of

banking and real estate experi-ence, including executive positions at Sterling Bank, Capital One Bank, and JPMorgan Chase/Texas Com-merce Bank, all in TX. He also served as owner and managing partner of a consulting partnership in Houston. Longwell holds a bachelor’s degree from Niagara University in Niagara Falls, NY, and an MBA degree from Tu-lane University in New Orleans, LA Q

Marla G. Mitchell has been promoted to vice president at Simmons First Na-tional Bank, Pine Bluff, AR, according to J. Thomas May, chairman/CEO. Mitchell, who is a commercial loan officer, has served with the bank for more than 20 years. In addition to her role as a commer-cial lender, she is a member of the lending training team and a member of the acquisition and

Citizens Security Bank & Trust, Bixby, OK, has announced that John Pixley

has joined the bank as a senior vice president and market president of the mid-town Tulsa office, which is under develop-ment and will be the bank’s 14th lo-cation. He is cur-rently serving from

the location at 81st and Yale in Tulsa. W. Carlisle Mabrey III, president/CEO, made the announcement. Pixley was formerly president of F&M Bank, Tulsa. He has 31 years of banking experience, the past 26 in Tul-sa. He specializes in serving middle market businesses and individuals. A graduate of Oklahoma State University and the Graduate School of Banking of the South at LSU, he is involved with various community organizations, including Cascia Hall School Foundation, Friends of Scout-ing, United Way, Committee of 100, and Oklahoma Bankers Association Q

Volume 141, No. 15October 15, 2012

In This Issue...

Federal Judge Dismisses Wire Transfer Collection CaseFeature............................................3

Charter Activity............................8

Classified.....................................10

Please route this issue:

www.bankersdigest.com

Longwell

Published weekly on Mondays except fifth Mondays

Citizens Security Names Pixley Market President

Mitchell Promoted to Vice President in Lending,Simmons First National Bank, Pine Bluff, AR

Pixley

conversion team. Mitchell is a 2012 graduate of the Graduate School of Banking at LSU, a 2009 graduate of the ABA National Commercial Lending School at SMU in Dallas, TX, and of several Arkansas Bankers Association courses. She is active in her community, serving as a board member for the CASA Women's Shelter. Simmons has also reported the promotion of Kelly Burris to officer. The 15-year Simmons First Pine Bluff employee serves as a branch manager at the Jefferson Square Financial Cen-ter at 2711 Olive St. in Pine Bluff Q

Mitchell

Broadway Bank, San Antonio, wel-comes Stephen S. Jeffrey as senior

vice president and private bank-er in Austin, TX. He serves at the bank's new Austin LPO, which is lo-cated at 2905 San Gabriel St., Ste. 309. Jeffrey has over

14 years of financial services expe-rience, with eight years in private banking and custom lending. He has served with JPMorgan Chase Bank and Wells Fargo's Private Bank in Austin. The third generation Austin native is a Texas State University graduate. Broadway Bank recently announced a new regional headquarters in Austin and plans to open up to six branch locations in the area over the next five years Q

Jeffery

Jeffrey Is Senior VP, Broadway Bank Austin

Longwell Joins Mutual of Omaha in Houston

Page 2 BANKERS DIGEST October 15, 2012

p e o p l e TeXAS

that Christopher Williston, vice presi-dent of communications, was recently

honored by the Texas Society of Association Execu-tives (TSAE) with its Young Profes-sional Leadership Award. Williston was recognized for his professional achievements dur-

ing his early years of TSAE member-ship. The nominee must meet certain professional criteria, be 39 years old or younger, and a TSAE member for three years to be considered. Williston, the son of IBAT CEO Chris Williston, joined IBAT in 2009 as director of association management services and became vice president of

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Dobbs & James Will Serve Prosperity in Bellaire

Williston

David Zalman, chairman/CEO of Prosperity Bancshares Inc. in Hous-ton, announced that Randy Dobbs, former CEO of Community National Bank, Bellaire, will serve as president of Prosperity Bank-Bellaire Banking Center, responsible for the daily op-erations of the center. Zalman also announced that John James, former president of Commu-

nity National, will serve as executive vie president at the Bellaire Banking Center. Prosperity completed its acquisi-tion of Community National Bank on October 1. Shareholders of Commu-nity National Bank received $27.4 mil-lion in the transaction, $11.4 million in cash consideration, and 372,396 shares of Prosperity stock Q

McNair Upped to Lender, ABC Bank in AustinWolfforth-based American Bank of Commerce (ABC Bank) has reported that Vice President Will McNair has been promoted to consumer lender in Austin. McNair has served with the bank for more than 12 years. He previously served as as operations manager in Austin. He is a graduate of Hendrix College in Conway, AR Q

The Independent Bankers Association of Texas (IBAT), Austin, has announced

communications in 2012. His respon-sibilities include developing strat-egies for member communication tools, unifying departmental messag-ing, assisting with government rela-tions efforts as a registered lobbyist, helping to drive direction of IBAT mag-azine editorial content, and serving as editor-in-chief of digital content Q

IBAT’s Christopher Williston Receives Leadership Award

2012 Fall Edition

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October 15, 2012 BANKERS DIGEST Page 3

F e A T U R e

Reprinted with Permission fromThe BSA Examiner

Wayne Barnett Softwarewww.barnettsoftware.com

RISK MANAGEMENTBank Had a Bad Day in

Federal Court: Judge Dismisses Wire Transfer Collection Case

B D

FEATURE

(continued on Page 8)

A regional bank head-quartered in the South recently had a bad day in federal court.

What constitutes a bad day? It’s hav-ing a judge dismiss a suit where the bank is trying to collect $440,000 from a former customer–and knowing the dismissal increases the likelihood the former customer will succeed in its suit to collect a larger amount from the bank. The story ... is outlined below:1) Bank customer in the tile business in a Midwest state had been a custom-er of the bank for several years.2) Bank customer, like all title compa-nies, routinely executes wire transfers. However, the company had never ex-ecuted an international wire transfer.3) The bank, like all large banks, al-lows customers to initiate domestic and international wires via its Internet Banking System (IBS).4) When initiating wires, the bank allowed customers to choose either “single factor” or “dual factor” authen-tication. • Single factor authentication lets one (1) person enter, verify, and re-lease a wire. • Dual factor authentication requires two (2) people. A wire cannot be veri-fied and released by the person who entered it. • All customers executing wires with the bank must contractually agree to hold the bank harmless for unauthor-ized wires, regardless of the authenti-cation method used. • Customers must also agree to reim-burse the bank for legal expenses in-curred in the event the bank is wrong-fully sued.

5) In 2005, the FFIEC (Federal Finan-cial Institutions Examination Coun-cil) issued its Internet Banking Secu-rity Guidance. It cautions banks that single factor authentication is inad-equate for high-risk transactions (for example, wires). However, five years later, the bank still allowed it. • The customer was one of the bank’s customers that used single factor au-thentication.6) On March 17, 2010, an unauthor-ized outgoing international wire was

initiated for the customer. The wire was for $440,000, and, as previously noted, the customer had never [previ-ously] initiated an international wire • The transaction exceeded the cus-tomer’s DDA balance by $90,000. The bank approved the overdraft without first confirming the wire. • It appears computer hackers used a phishing scheme to steal the cus-tomer’s IBS credentials and initiate the wire.

Bankers DigestTIB-Lending4.75 x 7.52012 - October

Page 4 BANKERS DIGEST October 15, 2012

p e o p l e

oKlAHoMA

ARIZoNA

ARKANSAS NeW MeXIColoUISIANA

Eric King and Donna Townsell have received corporate-level promotions at Centennial Bank in Conway. King was promoted to market-ing manager. He joined the bank five years ago as a lending officer and has been serving as a public relations of-ficer since 2009. Townsell was promoted to vice president of corporate efficiencies; she oversees revenue and expenses at locations throughout AR, FL, and AL. Previously, she was a project manager for the bank for five years Q

King and Townsell Upped, Centennial Bank in Conway

Cockrum Promoted to VP, Simmons First in Pine BluffSimmons First National Corporation recently announced the promotion of Leigh A. Cockrum to vice president. She has served as a personnel man-ager since 2011 and within the Human Resources Group for nearly 15 years. Cockrum graduated from the Uni-versity of Arkansas with a BS degree in vocational education/human resource development and attended the Hu-man Resource Management School from the Graduate School of Banking in Madison, WI. She is certified as a Professional in Human Resources (PHR) and a member of the Pine Bluff Personnel Managers Association. Cockrum is actively involved in her community, including vice chair of the board of trustees for the Arts & Sci-ence Center for Southeast Arkansas, and on the board of The Pine Bluff Symphony Orchestra Q

LeBlanc Takes on New Duties, MidSouth Bank in Lafayette

Wells Joins Sunrise Bank of Albuquerque in Credit Analysis

Summit Bank in TulsaHires McDaniel as Lender

MidSouth Bank, N. A., Lafayette, has promoted Assistant Vice President Kelly LeBlanc to retail projects man-ager. In her new role, she will lead retail project implementations, including new products, software, and initia-tives. LeBlanc, who has served with Mid-South since 2007 and has 12 years of banking experience, retains her du-ties as banking center manager of the Dulles location at 2218 Ambassador Caffery Pkwy., which primarily serves west Lafayette and the Scott area Q

Summit Bank, Tulsa, has announced the hiring of Ryan McDaniel as as-sistant vice president and commer-cial lender. He previously served with American Bank of Commerce (ABC Bank) in Plano, TX. The Tulsa native is a graduate of the University of Oklahoma. Summit Bank is located in the Park Towers office building at 53rd and Yale. The $230 million bank is locally owned by over 90 shareholders Q

Michael Wells has recently joined Sunrise Bank of Albuquerque as a se-nior credit analyst. Wells has 26 years of banking expe-rience in Albuquerque. He has served as a commercial lender at Charter Bank, a construction lender at First Security Bank, and a mortgage lender at First National Bank. He earned a BA degree from Chad-ron State College in Chadron, NE, and is a graduate of the Western States School of Banking Q

Shaffer and Lira Promoted, Emery Hired, Comerica BankComerica Bank has reported the re-cent promotions of Gary Shaffer to district manager for the AZ retail bank-ing team and of Kevin Lira to banking center manager at 14211 W. Bell Rd. in Surprise. Shaffer has 13 years of banking ex-perience, including eight years in re-tail banking. The four-year Comerica employee previously served as a bank-ing center manager before his promo-tion. He earlier served more than four years at JPMorgan Chase Bank as a branch manager and lender. The bank also reported the hiring of Roy Emery as vice president of AZ business banking Q

ARIZoNAMaynard Upped to VP, Bec Hired as VP, Alliance BankAlliance Bank, Phoenix, has an-nounced the promotion of Kate May-nard to vice president, sales manager, and the hiring of Anca Bec as vice president, sales officer in the trea-sury management group, both at the bank’s headquarters at Cityscape in downtown Phoenix Maynard began her banking career in AZ and holds a BA degree from the University of Alabama. She is a mem-ber of the Hon Kachina board of direc-tors and AFPA. Bec has over 10 years of banking experience. She holds a BA degree in finance/economics from Binghamton University, State University of New York, and is active in Arizona Women Education and Employment (AWEE) Q

October 15, 2012 BANKERS DIGEST Page 5

Tom Tyler, Partner

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Page 6 BANKERS DIGEST October 15, 2012

N e W S W A T C H TeXAS

Independent Bank Group Acquires United CommunityIndependent Bank Group, the McKin-ney-based holding company for Inde-pendent Bank, announced October 2 that it has completed the acquisition of United Community Bank, a High-land Village-based bank. The acqui-sition expands Independent Bank Group’s presence in the Dallas area to 22 locations. The announcement was made by David Brooks, chairman/CEO of Independent Bank Group, With 31 locations throughout North and Central TX, Independent Bank now has over 330 employees at 31 banking locations and two full-service mortgage offices, with combined as-sets of more than $1.6 billion. Former United Community Bank Chairman John Jones will have a con-sultative role with Independent Bank. Gary Lewis, former president of United Community Bank, will remain with Inde-pendent Bank as the area president Q

Frost Bank, San Antonio, and The Baker Group Announce Safekeeping and Asset/Liability Management AllianceThe largest correspondent bank in TX and one of the nation’s largest inde-pendently owned securities firms are teaming up to provide securities safekeeping for financial institu-tions throughout the U.S. San An-tonio-based Frost Bank and Oklaho-ma City-based The Baker Group have announced that The Baker Group will refer commu-nity banks to Frost Bank for securities safekeeping services, and Frost Bank will refer its correspondent banks to The Baker Group’s asset/liability man-agement services. Cliff McCauley, executive vice president, correspondent banking at Frost, announced that Jeff McQueen, a banking executive with experience in financial services and banking, has joined Frost to lead its correspon-dent banking program outside of TX,

including new relationships through the alliance with The Baker Group. McQueen, who offices out of the Frost correspondent banking office in downtown Dallas, previously served with Advantage Health Plans Trust. David Daugherty, president/CEO, The Baker Group, announced that Mark Baumann, a financial strategies analyst, will lead the group’s alliance with Frost Bank. Frost Bank, founded in 1868, has more than 100 years of correspondent banking experience and more than 250 correspondent banking clients across TX, AR, IL, and OK. Frost Bank is the banking subsidiary of Cullen/Frost Bankers Inc., a financial holding company headquartered in San Anto-nio, with assets of $20.9 billion at June 30, 2012. The Baker Group works with more than 800 financial institutions across the country. Since 1979, The Baker Group has helped clients improve decision-making, manage interest rate risk, and maximize investment portfolio performance. Baker’s proven approach of total resource integration utilizes software and products devel-oped by Baker’s Software Solutions combined with the firm’s investment experience and advice. The Baker Group LP is the sole authorized dis-tributor for the products and services developed and provided by The Baker Group Software Solutions Inc. Q

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Trustmark Corporation and BancTrust Extend Deal ClosingTrustmark Corporation, Tupelo, and-BancTrust Financial Group Inc., Mo-bile, AL, announced that the defini-tive agreement announced in May in which BancTrust will merge with Trust-mark has been amended to accom-modate the closing of the merger in early 2013. The latest possible closing date for the merger has been extended from December 31, 2012, to February 28, 2013. The extension will provide additional time to receive regulatory approval and to ensure a smooth tran-sition and operational conversion. All other material aspects of the deal re-main unchanged. BancTrust Financial shareholders overwhelmingly supported the merger at a special shareholders' meeting on September 26, said BancTrust Presi-dent/CEO W. Bibb Lamar Jr. BancTrust Financial, the second larg-est banking company based in AL, pro-vides financial services through 40 Banc-Trust bank offices in southern two-thirds of AL and nine offices in northwest FL Q

October 15, 2012 BANKERS DIGEST Page 7

N e W S W A T C H oKlAHoMAARKANSAS

Vision in Ada to Acquire Community Bank of the ArbucklesVision Bank, N. A., Ada, has entered into formal agreement to acquire Community Bank of the Arbuckles, Sulphur, according to the Ada News. Vision Bank CEO James Hamby confirmed the agreement and said the acquisition should be finalized before the end of 2012. Community Bank of the Arbuckles has two locations in Murray County, 1100 W. Broadway in Sulphur and 1200 E. Main in Davis. As of June 30,

2012, Community Bank reported total assets of $95.3 million, total loans of $43.9 million, total deposits of $84.7 million, and total equity capital of $8.297 million. The non-member bank was established in 1974 as Sulphur Community Bank. Vision Bank is a $525 million-asset institution based in Pontotoc County, which is adjacent to Murray County, with banking offices in Ada, Durant, Shawnee, Prague, and Meeker Q

Bank of the Ozarks Inc. to Acquire SE Alabama BankBank of the Ozarks Inc., Little Rock, an-nounced October 4 that it has entered into a definitive agreement and plan of merger (“Agreement”) with Genala Banc Inc., Genava, AL, whereby $3.76 billion-asset Bank of the Ozarks Inc. (BOZ) will acquire all of the outstand-ing common stock of Genala Banc Inc. in a transaction valued at approxi-mately $27.3 million. Genala Banc Inc. is the holding company for southeast AL’s The Citi-zens Bank, which operates one bank-ing office in Geneva, located near the AL and FL border north of I-10. As of June 30, 2012, The Citizens Bank had approximately $170 million of total assets, $45 million of loans, and $142 million of deposits. “The Citizens Bank is a healthy bank with a great history (opened in 1901)...and provides a nice link between our two offices in Mobile, Alabama, and our two offices in Bainbridge, Geor-gia,” said George Gleason, BOZ’s chairman/CEO. Under the terms of the Agreement, approved by the boards of directors of both companies, BOZ will issue shares of its common stock valued at approximately $13.9 million plus ap-proximately $13.4 million in cash for all outstanding shares of Genala Banc common stock, all subject to certain conditions and potential adjustments. Simultaneous with the closing of the transaction, Genala Banc will merge into Bank of the Ozarks Inc., and The Citizens Bank will merge into BOZ’s wholly-owned bank subsidiary, Bank of the Ozarks. Completion of the transac-tion is subject to necessary approvals and conditions. The transaction is ex-pected to close in late December 2012 or during the first quarter of 2013. BOZ has 116 offices in AR, GA, TX, FL, AL, NC, and SC Q

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F e A T U R e R e G U l A T o R S

C h a r t e r

a c t i v i t yArizonaBRANCHES The OFFICE OF THE COMPTROL-LER OF THE CURRENCY has re-ceived an application by BOKF, N. A./Bank of Arizona, N. A., Phoenix, to re-locate a branch from 5050 N. 44th St. to 3001 E. Camelback Rd., Phoenix.MERGERS AND ACQUISITIONS The OCC has received an applica-tion by UMB Bank, N. A., Kansas City, MO, to merge with UMB Bank Arizona, N. A., Scottsdale, with the resulting bank titled UMB Bank N. A., Kansas City, MO.LouisianaBRANCHES The OFFICE OF FINANCIAL IN-STITUTIONS has approved an ap-plication by Teche Federal Bank, New Iberia, for a branch at 124 Heymann Blvd., Ste. 101, Lafayette. The OFI has approved an applica-tion by Merchants & Farmers Bank & Trust Company, Leesville, for a branch at 975 Beglis Pkwy., Sulphur. The OFI has approved an applica-tion by Gibsland Bank & Trust Com-pany, Gibsland, for a branch at 9595 Mansfield Rd., Shreveport. The OFI has approved an applica-tion by Community Trust Bank, Chou-drant, to relocate branches from 171 Cobblestone Dr. and 1770 Hwy. 51 N. to 1912 Main St., Madison, MS.New MexicoBRANCHES The OCC has approved an applica-tion by Los Alamos National Bank to relocate a branch from 6801 Jefferson, NE, Ste. 300, to 6700 Jefferson, NE, Ste. D-1, Albuquerque. The OCC has approved an appli-cation by First National Bank Texas, Killeen, for a First Convenience Bank branch at 3728 N. Prince St., Clovis.OklahomaBRANCHES The OCC has approved an applica-tion by BOKF, N . A., Tulsa, to relocate (continued on Page 9)

• As we reported last year (2011), a 2011 study found that 40% of small businesses operate with inadequate virus and security software. • The same study found that 80% of computer operators store user IDs and passwords in Microsoft Outlook or Word. • If the customer had been using dual factor authentication, hacking a single PC would not have allowed the theives to commit this crime.7) UCC 4A, the governing law for wires, requires banks to use a “mutu-ally agreeable and commercially rea-sonable security procedure.” • The 2005 FFIEC guidance leaves no doubt that single factor authentica-tion is an insufficient security proce-dure.8) The customer sued the bank, as-serting that the bank’s divergence from UCC 4A voided its wire agree-ment (including the hold harmless clause). The case is pending.9) The bank disputed the customer’s assertion and countersued. The bank’s suit was rejected in federal court. In his opinion, the presiding judge noted “...this is a very close call...” In our opinion, it doesn’t seem that close, and we doubt the bank will ap-peal the decision. Bottom line: the bank’s strategy for managing wires was flawed: there is no scenario where banks and custom-ers can agree to ignore the law–and that’s what happened here. And as this case shows, relying on hold harm-less agreements instead of common sense is a dumb idea. How does this end? We predict

the bank will lose in court, and the total cost to the bank (including legal fees and court costs) will be $650,000-$800,000. We also predict the bank’s insurance company will cite the bank for being in violation of UCC 4A and refuse to idemnify it Q

About the author: Wayne Barnett Soft-ware has products that help with BSA/AML compliance, fraud detec-tion (with special emphasis on ACH & IATs), and wire transfer operations. Contact by telephone: 877-945-4344, email: wbarnett@barnettsoftware.com.

(continued from Page 3) FDIC Releases Two New Deposit Insurance ResourcesOn September 19 the FDIC released two new resources to help bankers and depositors understand FDIC de-posit insurance coverage: (1) FDIC’s most popular consumer brochure, Your Insured Deposits, is now available in a large-print version for visually impaired individuals, and (2) the new FDIC Deposit Insurance Coverage for Bankers, a self-paced, computer-based training module targeted to a banker audience, now available in an interactive format on FDIC’s Web site, on DVD, and in a Portable Document Format (PDF): See www.fdic.gov, Sub-ject: FIL-40-2012: Deposit Insurance Coverage - Two New Deposit Insur-ance Resources Now Available. Statement of Applicability to Insti-tutions Under $1 Billion in Total As-sets: The resources referenced in this Financial Institution Letter (FIL) are available at no cost to all insured fi-nancial institutions, including those under $1 billion in assets Q

October 15, 2012 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 y

bank name will be NORTHSTAR BANK OF TEXAS. The FRB OF DALLAS has filed an application by Treaty Oak Bank for this merger and to establish 10 branches of NORTHSTAR BANK OF TEXAS, Denton Q

a branch from 10122 S. Memorial Dr., Tulsa, to 11116 S. Memorial Dr., Bixby. MERGERS AND ACQUISITIONS The FEDERAL RESERVE BANK OF KANSAS CITY has filed an appli-cation by Vision Bancshares Inc., Ada, to acquire 100% of the voting shares of Sulphur Community Bancshares Inc., the parent of Community Bank of the Arbuckles, both in Sulphur.TexasBRANCHES The OCC has approved an applica-tion by Bank of America, N. A., Char-lotte, NC, for a branch at 25645 Katy Fwy., Katy. The OCC has approved an applica-tion by Citizens National Bank, Hen-derson, for a branch at 200 N. Fredo-nia St., Longview. The OCC has approved an applica-tion by First Victoria National Bank, Victoria, for a branch at 14015 South-west Fwy., Ste. 5, Sugar Land. The OCC has approved an applica-tion by Amarillo National Bank, Ama-rillo, for an American National Bank branch at 5905 82nd St., Lubbock. The OCC has received an applica-tion by Green Bank, N. A., Houston, for a branch at 16771 Dallas Parkway, Addison. The OCC has received an appli-cation by Independence Bank, N. A., Houston, for a branch at 650 W. Bough, Ste. 140, Houston. The TEXAS DEPARTMENT OF BANKING has approved an applica-tion by Southwest Bank, Fort Worth, for a branch at 2200 Pool Rd., Ste. 108, Grapevine.MAIN OFFICE RELOCATION The OCC has received an applica-tion by First Community Bank, N. A., Sugar Land, to relocate its main office from 13135 Dairy Ashford, Ste. 175, to 3 Sugar Creek Center Blvd., #200, Sugar Land.

(continued from Page 8)

MERGERS AND ACQUISITIONS The OCC has approved an applica-tion by First Bank of Conroe, N. A., Con-roe, to P&A a branch of First Community Bank, N. A., Sugar Land, at 13135 Dairy Ashford, Ste. 175, Sugar Land. The TXDB has received an appli-cation by Treaty Oak Bank, Austin, to merge with affiliate NORTHSTAR BANK OF TEXAS, Denton. Treaty Oak Bank proposes to move its home of-fice from 101 Westlake Dr., Austin, to 400 N. Carroll, Denton. The resulting

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CHIEF FINANCIAL OFFICER need-ed for community bank. Must have strong operations experience. Be part of the executive management team. Sharon Emiliano, Babich & Associates, Sharon@babich.com, 214/823-9999, #306. www.babich.com.

SENIOR COMMERCIAL LOAN OFFI-CER needed in TYLER, TX area. Per-son will have 10+ years of solid lend-ing experience. Business degree a plus. Reimbursement for relo avail-able. Contact Donald Graff, Babich & Associates, dgraff@babich.com, 214/823-9999, #319.

BANK RECRUITER for Dallas Office needed. Solid experience in bank-ing needed with the desire to build

a new long-term career. Excellent training provided. Call Sharon Emil-iano for additional details. Babich & Associates, Sharon@babich.com, 214/823-9999, #306. www.babich.com.

TEXAS COMMERCIAL LENDER: Solid Community Bank EAST OF AUSTIN will add high-integrity, get-it-done, VP-level lender to staff. Position will inherit a clean, commercial portfolio of loyal cus-tomers, enjoy a beautiful facility in which to work and a less hectic, smaller-town lifestyle. Clean credit and criminal check, and particularly high-character, re-quired. Mark Mitchell, Lone Star Search, 972.335.9009, www.lone starsearch.net.

LAKE CHARLES, LA: Great Opportunity for LOCAL COMMERCIAL LENDER to join stable bank, in lending mode, with strong incentive program. Mark Mitch-ell, Lone Star Search, 972.335.9009, www.lonestarsearch.net.

$400M independent community bank in East Texas has an opening for a COMPLIANCE OFFICER. Must have compliance experience. Send resume in confidence to bankers digest@bank ersdigest.com, subject line Box D-5.

Well rounded COMMERCIAL/CON-SUMER LENDER, ASSISTANT IN-VESTMENT OFFICER, BOARD SECRETARY. Growing West Texas Community Bank is seeking an indi-vidual with the above qualifications. This individual would be a part of the Executive Management team of a well capitalized, stable community bank with local ownership. Reply to bankersdigest@bankersdigest.com, subject line Box T-5.

BRANCH MANAGER - for small town West Texas community bank. Individ-ual would need a minimum of 2 years

lending experience with some opera-tions experience. Good opportunity to grow and run your own “shop” and be a part of the bank management. Reply to bankersdigest@bankersdi gest.com, subject line Box T-6.

North Louisiana Community Bank seeking a LOAN SERVICING SPE-CIALIST. Position will act as point of contact for residential loan ad-ministration issues/workflow, handle all escrow-related functions as well as management of servicing staff. Strong working knowledge of Fannie

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October 15, 2012 BANKERS DIGEST Page 11

C l A S S I F I e D Mae seller/servicer requirements re-quired. Bachelor’s degree preferred or equivalent hands-on experience in residential mortgage loan servicing is required. For additional details, re-ply to bankersdigest@bankersdigest.com, subject line Box S-5.

CHIEF COMPLIANCE OFFICER need-ed for a $1,000M strong, indepen-dent bank in North East Texas. Prefer candidate with regulatory experience but must have at least 3 years lead-ing a compliance department. We offer competitive salary and excel-lent benefits. Qualified candidates should send resume in confidence to bankersdigest@bankersdigest.com, subject line Box S-7. EEO/AA.

Community bank in Houston County, TX, is seeking a qualified candidate to become PRESIDENT AND CEO. The bank is well-capitalized and does not have any significant problems. Knowl-edge in how to manage all facets of a community bank is needed. The can-didate must also possess excellent community involvement skills. Ability to work effectively with regulators is a must. Compensation will be competi-

tive. Reply to bankersdigest@Bank-ersdigest.com, subject line Box S-6.

BANK SECURITY EQUIPMENT SALES: growing company seeking self-starting Area Sales Managers based in Houston and San Antonio selling to banks and credit unions their CCTV systems, physical secu-rity equipment, alarms, and service contracts. Excellent benefits pack-age, training, and support from this Dallas-based company: security-texas.com and iris-dvs.com. Experi-ence in this field required, college preferred, computer, writing, and speaking skills required. E-mail dwood@securitytexas.com.

LOAN REVIEW OFFICER: TIB-The Independent BankersBank, Irving, TX. This position assesses lending and loan administration of prospec-tive and existing customer financial institutions to aid in early detection of potential problem loans. The primary duty is to evaluate loan quality and prepare detailed, concise reports for the client’s use. Qualifications in-clude: a four year degree in Account-ing or Finance, 1-5 years lending or

loan administration experience, prior regulatory experience is preferred. Heavy travel is required (70-75%), the individual must possess good computer, communication and inter-personal skills, and have the ability to work well in a team environment. Please find this and other Career Opportunities at: www.mybankers-bank.com. To apply for this opportu-nity, please go to: http://ch.tbe.taleo.net/CH12/ats/careers/requisition.jsp?org=TIBBANK&cws=1&rid=98.

Louisiana Community Bank in St. Landry Parish looking for a quali-fied applicant to fill a position of CONSUMER/MORTGAGE/COM-MERCIAL LENDER. Ideal candidate will have 3-5 years lending experi-ence, college degree, and interest in community/business develop-ment. Competitive salary and ben-efits. Send resume with references to Bank Human Resource Depart-ment, P.O. Box 1909, Opelousas, LA. 70571-1909. EOE.

First Financial Bankshares Inc. has an opening for an MCIF/DIRECT MAIL MARKETING SPECIALIST. Success-

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Page 12 BANKERS DIGEST October 15, 2012

ADDRESS CHANGE - When writing to us about your subscription, enclose the address label from your copy of Bankers Digest. You can also change your address or other information at www.bankersdigest.com under subscriptions.

Bankers DigestP.O. Box 743006Dallas, Texas 75374-3006(USPS 041180)

PERIODICAL

ful candidates will have marketing or direct mail campaign experience as well as excellent communication and strong writing skills. Interested appli-cants may apply online at www.ffin.com or contact aricci@ffin.com with questions. EOE/AAP.

First Financial Bank, Mineral Wells , TX, has an opening for a SENIOR VICE PRESIDENT-COMMERCIAL LENDER. Successful candidates will have strong credit skills, proven leadership abilities and desire to be part of the community. Interested ap-plicants may apply online at www.

ffbmw.com. EOE/AAP.

First Financial Bank, Abilene, TX, has an opening for a TREASURY MAN-AGEMENT SALES MANAGER. Suc-cessful candidates will have 10 years Treasury Management experience and CTP as well as great leadership skills and the drive to deliver excel-lent customer service through prod-uct sales. 5 years sales management experience preferred. Interested ap-plicants should apply online at www.ffbtexas.com or contact aricci@ffin.com with questions. EOE/AAP.

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