February 6, 2017 www.bankersdigest.com Volume 150, No. 5 Hitt Is President; Davis and Mossman Machen Named CEO, Promoted, Community NBT, Corsicana, TX Bear State Financial Community National & Trust of proven to be a trusted leader in our Matt Machen has been named to re- Chairman of the Board and CEO lending department and he has played place Mark McFatridge who resigned K.C. Wyatt has an instrumen- as CEO of Bear announced the tal role in the State Finan- promotion of strategic plan- cial Inc., Little Rusty Hitt to ning of grow- Rock, AR. The president and ing the bank board of di- the promotion from one lo- rectors for the of two bank of- cation to thir- publicly-trad- ficers. teen,” said Wy- ed bank hold- Hitt has att. ing company served with Ginne Da- made the an- the Corsicana- vis was pro- nouncement. based bank moted to vice Machen has for 20 years, Hitt president. She Davis been presi- Machen as executive has been with dent of the company’s bank subsid- vice president and chief lending offi- the bank for eight years and currently iary, Bear State Bank, Little Rock. cer for the last 14 years. He graduat- serves as marketing officer. She earned McFatridge joined Bear State Bank ed from Texas State University with a a BBA degree in marketing from Texas when the MO bank he headed was ac- BBA degree in finance, as well as from A&M University. She is involved in her quired in 2015. the Southwestern Graduate School community by serving on the Corsi- Machen joined Bear State — then of Banking at SMU. He serves on the cana Education Foundation board First Federal Bank in Harrison — in board of directors for Community Na- and is a member and a board member 2011, following its recapitalization by tional Bank & Trust. for the Corsicana Rotary Club. Bear State Financial. The announce- “Over the last two decades Rusty has (continued on Page 2) ment said Machen led the bank’s turn- around in NW AR before relocating to Little Rock, first as CFO. He was pro- Brower Named President, FSB, Anadarko, OK moted to bank president in April 2016. Machen has 14 years of banking ex- First State Bank, Anadarko, OK, CEO Since the bank was chartered in perience. He is a graduate of the Uni- Donald R. (Don) Clark announced the 1909, Brower is the eighth president versity of at Fayetteville and promotion of Jason Brower to presi- of First State Bank, Anadarko, an $80 the ABA Stonier Graduate School of dent. million-asset institution with 25 em- Banking. He has a leadership certificate Brower’s ployees. from Wharton School of Business at the dedication to Since joining First State Bank in University of Pennsylvania and com- Caddo County 1996, Brower has served as a commer- pleted the executive financial leader- bank started cial, small business, and mortgage ship program at the Darden School of 21 years ago lender, and in investments and finan- Business at the University of Virginia when he be- cial planning. Q gan working Brower graduated from the Universi- In This Issue... his way up the ty of Science and Arts of in ranks to senior 1996 with a BSBA degree. He is active Lower Risk of Exposure to vice president in local church and community affairs. Unlawful Internet Gambling (UIG) and now presi- He is a member of local Kiwanis Inter- Feature...... 3 dent. Brower national club organization Q Published weekly on Mondays except fifth Mondays P E O P L E TEXAS COMMUNITY NBT (continued from Page 1) Thompson Joins Texas Bank and Trust Co. as Marlana Mossman was promoted Executive Vice President/Lender in Longview to assistant vice president. She is the Clay Thompson has joined the staff Development Corporation, the Tyler branch operations officer at the Red of Texas Bank and Trust Company in affiliate of the Susan G. Komen Foun- Oak office. She Longview as ex- dation, and the Tyler YMCA Q has served at the ecutive vice presi- bank for five years dent and com- In This Issue... and has 11 years mercial lender in Lower Risk of Exposure to UIG of banking experi- the bank’s main Feature...... 3 ence. She gradu- branch, according ated from The to Chairman Rog- Newswatch...... 8 University of Texas ers Pope. at Arlington with a Thompson was Charter Activity...... 9 BA degree. most recently em- Community Mossman Thompson ployed by Genera- Classified...... 10 National Bank tions Federal Credit Union in San An- & Trust of Texas has locations in tonio as executive vice president and Regulator Oversight of Fintechs..12 Corsicana (two), Buffalo, Burleson, chief operating officer. His banking Fairfield, Frost, Lake Worth, Mineral background also includes positions in Wells, Possum Kingdom, Red Oak, lending at several institutions in the Bankers Digest® Richland Chambers Lake, Weather- Tyler market. He began his banking ca- Established 1942 ford, and White Settlement. The bank reer in the credit training program at A Weekly Bank News Magazine (USPS 041180) has assets of approximately of $643 NBC Bank in San Antonio. Published weekly on Monday except fifth Mondays million with 182 employees. Its trust Thompson holds a BBA degree in at 9516 Bill Browne Lane, Dallas, Texas 75243 ® and investment department manages finance from Texas Tech University, Copyright 2017 Bankers Digest over $254 million BONNIE JAMISON BLACKMAN, Publisher/Editor Q an MBA degree in finance from Indi- R. GILBERT BLACKMAN JR., Managing Editor ana University, and is a graduate of P. O. Box 743006 Dallas, Texas 75374-3006 the Southwestern Graduate School of Phone 214/221-4544 NOW AVAILABLE Banking at SMU. Fax 214/221-4546 E-mail: [email protected] Print Online eBook He is a former board member of website: www.bankersdigest.com the United Way of San Antonio and One year subscription rate: Print $39.00, Online $28.00; Both $52.00. Single copy $1.00 Bexar County. He is also a former city Opinions expressed by writers of bylined councilman for the City of Bullard and articles are not necessarily those of Bankers a former officer and/or board mem- Digest. We make no representations or war- ranties for information, products, or services ber of the United Way of Tyler/Smith contained in any advertisement in this maga- County, Tyler Economic Development zine or on our website. Editorial guidelines Corporation, the Bullard Economic may be obtained upon request. Articles and photos may be submitted to above address. Bankers Digest Wants Periodical postage paid at Dallas, Texas to Report Your Bank News POSTMASTER: Send address changes to Bankers Digest®, P.O. Box 743006, Dallas, [email protected] Texas 75374--3006

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Page 2 BANKERS DIGEST February 6, 2017 F E A T U R E RISK MANAGEMENT most often impacts community . you don’t have a ready answer.) i. The illegal gambling on these iv. If your bank has no customers Lower Your Bank’s Risk events is often instigated with pri- that originate ACH transactions, your of Exposure to Unlawful vately-owned ATMs and settled with risk of being involved in UIG is great- ACH transactions. The ATM owner will ly reduced—but it’s not eliminated. Internet Gambling (UIG) use the payment networks to verify Spikes in incoming ACH credits can and Usage of Industry Peer the availability of funds, but use ACH still be tied to UIG. (And, again, you’ll Analysis transactions to collect and pay the need an explanation for the spike.) amounts wagered. 5. If your bank’s policy doesn’t specifi- Reprinted with Permission from ii. These ATMs are usually found cally outline what’s done to search for “The BSA Examiner” in odd locations (such as the back- UIG, the examiners will deem it inad- A Quarterly Publication from room of a bar or convenience store). equate. Wayne Barnett Software The ATMs usually don’t disburse cash. Vol. 63 , 4th Quarter 2016 Their only purpose is to facilitate UIG, Case 2: A new normal. www.barnettsoftware.com so they’re not accessible to the public. If asked about the ATM, the owner will “At our just-completed exam,” said Case 1: Don’t say it doesn’t work or is used by cus- a bank COO, “the regulators recom- bet on it. tomers that want privacy mended that we include an industry- BD iii. But privately-owned ATMs peer analysis in our risk rating pro- At your next aren’t your only worry: all compa- cess. Does your software do that?” Yes exam, the nies that originate ACH transactions sir, it does. Please allow us to explain FEATURE regulators have the potential to be involved in what the regulators are looking for. may ask what UIG. Spikes in origination volumes the bank is doing to search for un- that correlate to national events are a 1. Your bank has 17 customers who op- lawful internet gambling (UIG). “We strong indicator of UIG. The examin- erate convenience stores. Most of the didn’t understand this law as well as ers will look closely at such spikes and customers are in three metropolitan we should have,” said a bank CEO we ask you to explain why they occurred. areas. recently spoke with. We had a generic (And trust us: they will not be happy if (continued on Page 11) policy from a seminar we attended, but no routine procedures—so we got dinged in the exam report. Can you talk about this in your newsletter?” Yes ma’am, thanks for asking.

1. The technical name of the law is Regulation GG: Prohibition on Fund- ing of Unlawful Internet Gambling (for more visit: https://www.federalreserve.gov/ bankinforeg/regggcg.htm. Dec 28, 2016 - The Unlawful Internet Gambling Enforcement Act of 2006 (“UIGEA”) prohibits any person, including a business, engaged in the business of betting or wagering from knowingly March 20 – 22, 2017 accepting payments in connection with the participation of another per- son in unlawful Internet gambling.). 2. The law only applies to commercial It’s a pivotal year for banking. businesses. It is not a crime under Reg GG for consumer customers to pay Join us in Washington. their legal gambling debts via on-line transactions. 3. The most common UIG involves on-line card games and credit cards; most community banks have no con- tact with this type of UIG. 4. The second most common type in- volves sporting events and national elections. This is the type of UIG that

February 6, 2017 BANKERS DIGEST Page 3 P E O P L E TEXAS Ory Joins Austin Bank Huffaker Named SVP, Harris and Blacksher Longview as EVP/Opns Wellington in Lubbock Named WestStar El Paso John F. Ory has joined Austin Bank, Wellington State Bank in Lubbock has WestStar Bank, El Paso, has announced Texas N. A. as executive vice presi- named Lynda Huffaker senior vice Jerry Harris as chief credit officer and dent and deputy president in the Burt Blacksher as chief operations loan administra- chief lending of- officer at 3400 W. tion department. ficer. Marshall in the She will manage Harris, a first Longview Greg- the activities and SVP, will have gton branch. He operations of the direct oversight will assist in over- department, and and responsibility seeing the de- will help develop for the credit op- posit operations, procedures and erations depart- facilities, secu- policies. Todd ment. He joined Ory rity, and IT de- Huffaker Pope, Lubbock Harris the bank in 2000 partments. Glenn market president. as a senior vice Bass, senior EVP/deposit operations, made the announcement. president in lending. In addition to made the announcement. Huffaker has an extensive back- his 31 years of banking experience, he Ory joins Austin Bank from Com- ground in the banking industry. Before earned a bachelor’s degree in finance munity National Bank in Midland, joining Wellington State Bank, she and management from Texas Tech where he served five years as SVP and served as branch president of opera- University. He is currently a member chief operating officer managing the tions and as loan officer at City Bank’s of the Sunrise Rotary Club, where he accounting, finance, IT, retail bank- Kingsgate location in Lubbock. She is is a past president. He is a Leader- ing, and treasury departments. Prior also a founding member of the Finan- ship El Paso (Class XXV) alumnus and to joining Community National, he cial Women of Texas where she has has served as an American Red Cross served over nine years with NexBank served as president at both the state El Paso Chapter board member, past in Dallas as chief operating officer. and local level. president of the Southwest Football A native of Terrell, Ory holds a BBA “Wellington State Bank has shown Official Association of El Paso, among degree in marketing and an MBA de- extensive growth in the banking in- others. gree, both from Texas A & M Com- dustry and currently has 10 banks in Blacksher, a senior executive vice merce, and is a 2007 graduate of the Texas”, said Huffaker. “I’m excited president, is a member of the bank’s Southwestern Graduate School of about the opportunity of being part of executive management team and will now have direct oversight and re- Banking at SMU Q that growth” Q sponsibility for the bank’s lending activity, including managing all lend- ing officers. He has served with the bank for over 24 years. In addition to his more than 46 Better advice. Blacksher years of experi- It’s in an office near you. ence in banking and consumer finance, he attended The University of Texas at El Paso and Serving clients from 28 locations, including Dallas and Austin. is a graduate of the Southwestern Graduate School of Banking at SMU. Blacksher is chairman of the Housing Authority for the City of El Paso, board member and immediate past chairman

WWW.MOSSADAMS.COM for Project ARRIBA, past board chair- man of the YMCA, board member of the Texas Chapter of the Risk Management Association, among others Q Page 4 BANKERS DIGEST February 6, 2017 February 6, 2017 BANKERS DIGEST Page 5 P E O P L E OKLAHOMA Bedford Joins Arvest Bank in Edmond as SVP Martinez and Talkington Join Arvest Bank in Ed- lending experience, most recently at First National in Broken Arrow mond has hired BancFirst and previously at MidFirst Two new employees have been added Shandy Bedford Bank and Bank of Oklahoma. to the management ranks of the First as senior vice Belford earned a bachelor’s degree National Bank & Trust Co. of Broken president and from Southwestern Oklahoma State Arrow, said Board Chairman and CEO commercial bank- University. She is active in several civ- Gregory Graham. er at Arvest’s 1501 ic groups and holds leadership posi- Yvette Martinez has joined the W. Edmond Rd. tions with the Edmond Public Schools bank in Broken Arrow as vice presi- branch. Foundation (board member) and the dent of retail banking administration, Bedford Bedford has Edmond Area Chamber of Commerce while Brian Talkington has assumed responsibility as vice president of 12 years of banking and commercial (chair, Leadership Edmond) Q commercial lending working out of the North Aspen branch. A native Tulsan, Martinez holds a degree in business administration With $20 billion of investments under management, ALM First from Northeast- is an SEC-registered investment advisor, acting as an unbiased ern State Univer- third party, offering commission-free, fee-based services to over sity. Before join- Martinez 200 financial institutions across the country. Services include: ing First National of Broken Arrow, she was associated with Bank of Okla- • Asset Liability Management • ALM Validations homa, F&M Bank & Trust Company, • Investment Advisory • Investment Portfolio Analysis and Prosperity Bank. While at F&M, • Merger Valuations • MSR Valuations she oversaw retail operations of 12 • Hedging with Derivatives • Training and Education branch offices in • Loan Profitability Analysis • and more... OK and TX. Talkington, a DK 2014 Ad Quality -800-752-4628 PMB.pdf 1 5/5/2014 10:13:05 • www.almfirst.com PM native of Oklaho- ma City, holds a BBA degree from the University of Oklahoma and is Talkington a graduate of the Graduate School of Banking at . C An 18-year veteran of the financial ser-

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February 6, 2017 BANKERS DIGEST Page 7 N E W S W A T C H TEXAS Simmons First in Pine Bluff, AR, to Acquire The National Banks of Central Southwest Bank in Fort Worth for $432MM Texas Now National United Simmons First National Corporation, retain the Southwest Bank brand.” The National Banks of Central Texas, (“Simmons” or “Company”), the parent First Texas reported as of Septem- Gatesville, has changed its name to of Simmons Bank, both of Pine Bluff, ber 30, 2016: assets of $2.0 billion, National United, effective January 27. AR, announced on January 23 that it loans of $1.8 billion, deposits of $1.5 The historic bank was first chartered in has entered into a definitive agree- billion, 16 branches, and deposit mar- 1889, making it one of the state’s old- ment and plan of merger (“Agree- ket share of 3.43% in Tarrant County. est bank charters. The bank’s name, ment”) with First Texas BHC Inc. (“First Vernon Bryant, First Texas’s chair- along with a new look for the brand, Texas”). According to the terms of the man/CEO, said, “Simmons is a top- are the only changes. Customers will Agreement, Simmons will acquire all notch, fast-growing regional bank. see business as usual at the bank’s of the outstanding common stock of With that comes additional products seven locations in Central Texas, ac- First Texas in a transaction valued at and services as well as a larger bal- cording to Eugene Worthington, approximately $462 million (based on ance sheet that can only result in sub- president/CEO of National United. the Company’s common stock closing stantial benefits for our customers...” “Over the last century, National price as of January 20, 2017). First Tex- Under the terms of the Agreement, United has continuously evolved to as is headquartered in Fort Worth and First Texas shareholders and other meet the changing needs of our com- is the parent company of Southwest equity rights holders will receive, in munity and customers, and this is the Bank (“Southwest”), Fort Worth. the aggregate, 6,500,000 shares of next step” said Worthington. “Bank- George A. Makris Jr., Simmons’ the Company’s publicly-traded com- ing research tells us that customers Chairman/CEO, said, “Late last year, mon stock and $70 million in cash, want a reliable and trusted bank ex- Simmons announced its introduc- all subject to certain conditions and perience that is also quick and conve- tion into the Texas markets with our potential adjustments. Completion is nient. Our new name, along with our proposed acquisition of Bank SNB. expected during the third quarter of refreshed brand and a new, expanded We now have the opportunity to sub- 2017 and is subject to certain closing website (www.NationalUnited.com), re- stantially grow our presence in the conditions and customary approvals. flect a banking experience that’s also Fort Worth metropolitan area by join- Simmons is a financial holding com- streamlined and simplified.” ing with one of the best run, most pany with total assets of approximately New signs will go up reflecting the respected financial organizations in $8.4 billion conducting financial op- name change at all bank locations. Texas. The Southwest Bank brand is erations throughout AR, KS, MO, and The bank will announce the new name very well known and respected, and TN. Simmons has two deals pending and showcase its new look with a se- represents a legacy of quality banking that when closed will push its balance ries of newspaper ads and television service. Because of that legacy, we will sheet past $10 billion in total assets Q commercials in Central Texas. A cen- tral theme will be “Brand New Name, Same Friendly Faces.” Ken Mixon, a thirty nine National United will maintain its year banker, has assembled existing ownership, management, and “a Mostly True Story” of his board of directors. Bank clients can banking, hunting, and child- expect a seamless transition to the hood experiences. new name and brand, according to Worthington. The bank’s August 1889 charter as His stories about growing up The First National Bank of Gatesville, in a small town in Oklahoma are still maintained, makes it the ninth paired with hunting stories to cre- oldest bank charter in TX. The bank’s ate a history of one banker’s life. rich history began when it opened its Some of the stories are humor- first location in Gatesville to serve the ous, some are serious and some state’s settlers who were arriving by are a little bit of both. railroad and ox wagon teams. Today, the bank has locations in Copperas Cove, Gatesville, Hewitt, Kempner, Now available for $19.99 plus Killeen, Lampasas, and Waco. shipping only at As of September 30, 2016, the bank reported total assets of over $622 mil- www.KenMixonTexasBanker.com lion and total deposits of over $558 million, according to the FDIC Q Page 8 BANKERS DIGEST February 6, 2017 R E G U L A T O R S ERAL RESERVE BANK OF DALLAS has also received applications for BANK FAILURES C h a r t e r these branches. Chicago, IL, Bank Fails; The TXDB has received an applica- Number Two in 2017 tion by Heritage Bank, Pearland, for a The Illinois Department of Financial a c t i v i t y branch relocation from 130-A Parking and Professional Regulation – Divi- Way to 85 Oak Dr., Lake Jackson. Arizona sion of Banking closed Seaway Bank The TXDB has received an applica- BRANCHES and Trust Company, Chicago, on Janu- tion by Texas Bank, Henderson, for a The OFFICE OF THE COMPTROL- ary 27 and appointed the FDIC receiv- branch at the NWC of E. 1st St. & Pres- LER OF THE CURRENCY has ap- er. The FDIC entered into a P&A agree- ton Rd., Prosper. proved an application by Academy ment with State Bank of Texas, Dallas, HOME OFFICE RELOCATION Bank, N. A., Colorado Springs, CO, for to assume all of the deposits and to The TXDB has approved an appli- a branch at 7150 E. Camelback Rd., purchase $309.0 million of the failed cation by Capital Bank of Texas, Car- Scottsdale. bank’s assets. The FDIC will retain the rizo Springs, for a home office reloca- Oklahoma remaining assets for later disposition. tion from 200 N. 5th St. to 2105 N. 1st BRANCHES As of September 30, 2016, Seaway St., Carrizo Springs. The OCC has approved an appli- Bank and Trust Company had approxi- The TXDB has received an applica- cation by Great Plains National Bank, mately $361.2 million in total assets tion by Texas Brand Bank, Garland, for Elk City, for a branch at 601 NW 13th and $307.1 million in total deposits. a branch flip: home office relocation St., Oklahoma City. The failure is second in the nation from 1919 S. Shiloh Rd., Ste. 100 LB Texas in 2017 and the first in IL since May CHARTERS 30, Garland, to an existing branch at 2015 Q The OCC has received an applica- 4161 McKinney Ave., Ste. 101, Dallas, tion by TIB The Independent Bankers and maintaining a branch at 1919 S. Bank, Farmers Branch, for a state to Shiloh Rd., Ste. 100 LB 30, Garland. a Change in Control (CIC) by Randall national bank charter conversion. MERGERS AND ACQUISITIONS D. Lowery, individually, and Melody BRANCHES The TXDB has approved an appli- Lowery, individually, both located in The OCC has approved an appli- cation by Texas Regional Bank, Har- Huntington; and collectively, a group cation by BTH Bank, N. A., Quitman, lingen, for a merger with target: The acting in concert, to acquire 25% or for a branch at 2550 Eldorado Pkwy., Blanco National Bank, Blanco. more of Inc., McKinney. The TXDB has received an appli- Huntington, and therefore, indirectly, The OCC has approved an appli- cation by AimBank, Littlefield, for a Huntington State Bank, Huntington. cation by First National Bank of Mc- merger with target: Muleshoe State The FRB OF DALLAS has received a Gregor for a branch at 510 N. , Muleshoe. Change in Control (CIC) by Retroactive Mills Dr., Waco. The FRB OF DALLAS has received notice filed by the MNB 2016 Stock The OCC has approved an appli- an application by Captex Bancshares Trust, Edinburg, and Jose Quiroga, cation by American National Bank & Inc., Bryan, to become a bank holding Edinburg, individually and as trustee Trust, Wichita Falls, for a branch relo- company by acquiring 100% of Tren- of the MNB 2016 Stock Trust, to ac- cation: from 111 S. Center to 108 W. ton Bankshares Inc., and therefore quire and retain more than 25% of the Main, Archer City. indirectly, First National Bank of Tren- shares and thereby control of MNB The OCC has received an applica- ton, both of Trenton. Ventures Inc., and indirectly, Texas tion by First National Bank Texas, The FRB OF DALLAS has received National Bank, both of Mercedes Q Killeen, for a branch relocation: from 1990 Old Spanish Trail to 6200 Bel- laire Blvd., Houston. The FEDERAL RESERVE BANK OF SAN FRANCISCO has received an ap- plication by Commonwealth Business Bank, Los Angeles, CA, for a branch at 2625 Old Denton Rd., Ste. 574, Car- rollton. The TEXAS DEPARTMENT OF BANKING has received applica- tions by Frost Bank, San Antonio, for branches: 1812 Spring Cypress Rd., Spring, and 3201 East Sam Houston Parkway South, Pasadena. The FED-

February 6, 2017 BANKERS DIGEST Page 9 C L A S S I F I E D Alliance Bank currently has an op- B a n k e r s D i g e s t portunity for a CREDIT ANALYST in Sulphur Springs, Texas. This posi- HOW TO CONTACT US tion is responsible for providing as- Mail responses to Box Number c/o Bankers Digest, P. O. Box 743006, Dal- sistance to the lending staff in the las, TX 75374-3006. Phone: 214/221-4544. E-mail responses to: bankersdigest@ development, analysis and moni- bankersdigest.com, Box Number in subject line. toring of loan customers. Such as- sistance may be in the preparation of loan requests, reviewing existing Advertising rates are $45.00 for the first 30 words; $10.00 for each loan files, inspection of collateral, additional 10 words per insertion. Ads which use a Bankers Digest box analysis of financial information, number for forwarding responses will be charged $5.00 additional and other lending related functions per insertion for postage and handling. Ads run on Bankers Digest as required. Interested candidates website for the duration of the advertising agreement at no additional must have a minimum of a college charge. Only Principals will be assigned box numbers. Responses to degree, 3 years previous experience Bankers Digest boxes are forwarded twice weekly. Advertising deadline in banking, and knowledge of bank- is Monday noon for following Monday’s publication. Bankers Digest ing laws and regulations. Qualified makes no representations or warranties for information, products, applicants should submit a resume or services contained in any advertisement herein or on our website. online to [email protected] or by fax to 903/439-6793. Equal Op- portunity Employer. POSITIONS AVAILABLE pendent Bank. Must have strong ties to the Amarillo area. Mark $100M Northeast Texas community REGIONAL PRESIDENT. HOUS- Mitchell, Lone Star Search. 972- bank seeking an EXPERIENCED TON. Commercial lender with man- 335-9009. www.lonestarsearch.net. LENDER with commercial and real agement experience to manage an estate lending background. Col- existing team and help grow com- CHIEF CREDIT OFFICER: Texas- lege degree with a minimum of 3-5 mercial business in the Houston based 800MM Independent Bank years lending experience required. market. Must be local candidate has need for seasoned Credit Exec- Responsibilities include business with local contacts. Please call and utive with Oil/Gas, CRE, A/R, SBA, development and community in- send resume to [email protected] and Equipment experience. Mark volvement. Strong underwriting and 214 – 515 – 7606. Mitchell, Lone Star Search. 972- organizational skills required. Send 335-9009. www.lonestarsearch. resume to bankersdigest@bankers- MULTIFAMILY ORIGINATOR-LEND- net. digest.com, subject line Box J-1. ER for Dallas Commercial Lending Co. with FNMA, FHLMC, FHA pro- gram and production experience. BTH BANK IS A $1.1 BILLION ASSET COMMUNITY BANK Must be well networked with verifi- undergoing aggressive and significant deposit and credit able production history. Base salary growth with a very strong equity foundation. We have plus commission. Send resume to a SENIOR OPERATIONS OFFICER POSITION available for Anthony Potenti apotenti@babich. com or call 214-515-7609. an individual with excellent communication skills and expertise in bank operations and information technology. COMMERCIAL LENDER, AUSTIN: BTH Bank is a progressive institution with exceptional Senior-level C&I LENDER oppor- benefits, equity opportunities, a long term vision for tunity. Average loan size $5MM, careers, and a fresh, unique approach to banking. in-house of $18MM, fast decisions. Position requires significant local Please reply in confidence to following. Mark Mitchell, Lone Star BOB DYER, LORI SIRMAN or TROY ROBINSON at Search. 972-335-9009. www.lon- BTH Bank, P O Box 7220, Tyler, TX 75711 estarsearch.net.

COMMERCIAL LENDER, AMARIL- LO: Great opportunity to join long- tenured staff of strong, local Inde-

Page 10 BANKERS DIGEST February 6, 2017 C L A S S I F I E D F E A T U R E Position available March 1st. CEO/ bilities include business develop- RISK MANAGEMENT (continued from Page 3) PRESIDENT of ~$132MM Commu- ment and community involvement. 2. Within each metropolitan area, you nity Bank with 7 locations in a rural Strong underwriting, organizational need to compare the customers with area of Central Texas. Looking for and collection skills required. Send their industry peer group. experience in lending, managing resume to monte@dublinnational- • If a customer has transactions that investment portfolio, and overall bank.com. are significantly higher or lower than banking operations. Excellent ben- their industry peers, you should try to efit package. Mail resumes to: Attn: The Compliance Alliance division determine why. • If the reason for the variance isn’t David Hughes, P. O. Box 499, Groes- of the Texas Bankers Association beck, TX 76642. clear, the customer should have a in Austin is in search of COMPLI- higher risk rating. ANCE SPECIALIST. Must have 3-5 Spirit of Texas Bank, a $1B Commu- years banking or regulatory expe- 3. What type of transaction-compari- nity Bank, is seeking an experienced rience or compliance consulting. son do the regulators want? HUMAN RESOURCES DIRECTOR Must be detail-oriented with strong That’s up to each bank to decide. with 10 plus years of experience to communication skills and working However, our comparisons include work in The Woodlands area head- knowledge of banking regulations. the following: cash-ins and outs, in- quarters. Qualified candidates will coming and outgoing ACH, incom- Competitive salary, commensurate have an existing background in the ing and outgoing wires, international Human Resources field, including with experience, and excellent ben- wires, and IATs. benefits plan analysis, employee efits. Please submit resume to Pey- 4. How do you establish peer groups? evaluation and compensation, re- ton Taylor at Peyton@texasbankers. We use NAICS (North American cruitment of qualified individuals, com. Industry Classification System) codes retention strategies, and payroll (https://www.naics.com) and geo codes. systems. Please respond to jobs@ If you don’t yet have NAICS codes for your customers, you should start that spiritoftexasbank.com. EQUIPMENT project ASAP Q Custom Designed Bank Buildings $30M Rural Central Texas com- About the author: Wayne Barnett Soft- Call for a quote on your next Bank munity bank seeking an EXPERI- ware publishes “The BSA Examiner” Branch. Total Turn Key Project with ENCED LENDER with commercial, newsletter quarterly. The company Bank Equipment Included. Design agriculture and real estate lending has products that help with fraud pre- your own Bank on our website background. College degree with vention, customer modeling and risk www.NorthAmericanBuildings.com. a minimum of 3-5 years lending analysis, BSA/AML compliance, OFAC 888-800-8866. experienced required. Responsi- compliance, wire transfer operations, and customer-knowledge manage- ment. If you have a question to ask or BANKS AND CREDIT UNIONS a story to tell (the company promises Do you need Convenient Customer Locations ? anonymity), please call Wayne Barnett at 877-945-4344. We provide regional design and construction at a cost less than local Bankers Digest Architectural/General Classified Ads contractor costs. Our complimentary marketing package $45 for first 30 words includes a 3D computer $10 for each additional rendering. 10 words Is your Board getting the best cost for your next project? email your ad to CALL US! bankersdigest@ bankersdigest.com, subject line: HEFLIN BUILDING SYSTEMS classified advertising P.0. Box 152004 • Arlington, Texas 76015 • 817-460-0100 • www.heflinbuildings.com

February 6, 2017 BANKERS DIGEST Page 11 Bankers Digest PERIODICAL P. O. Box 743006 Dallas, Texas 75374-3006 (USPS 041180) 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. State and Federal Regulators May Knock Heads in Oversight of Fintechs The Office of the Comptroller of the to aggressively challenge Washington’s fintech startups. Currency will soon begin considering power to override them, arguing that The Journal reported that state regu- applications by financial-technology states have been much tougher on lators are arguing their rules barring companies for national banking char- fintechs than their federal peers—and loans above certain interest rates, ters as a way to promote competition warning against abusive payday lenders known as usury laws, are a bulwark while both streamlining and strength- being able to exploit policies intended against abusive lending practices. ening regulation, noted The Wall Street for tech startups,” the Journal reported. The Journal reported that some state Journal in its analysis, reported at Sens. Sherrod Brown (D-OH) and regulators also are discussing some www.CUtoday.info. But under federal Jeff Merkley (D-OR) have sent a letter defensive measures, e.g., a mechanism law banks with national charters don’t to the OCC suggesting its proposal to make it easier for companies to ap- have to abide by some state lending would “upset the current financial ply across multiple states for consum- rules, known as pre-emption, and that regulatory structure,” and further sug- er lending licenses. has some “banking regulators in some gesting alternatives including col- The OCC proposal was open to pub- of the largest states” saying “they plan laboration with state regulators to aid lic comments through January 15 Q FINANCIAL DESIGN & CONSTRUCTION “Total Solutions For Your Building Projects”

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Page 12 BANKERS DIGEST February 6, 2017