Comerica Bank, Dallas, TX, has an-nounced that Lars C. Anderson will be its new vice chair-man, The Business Bank, and a mem-ber of Comerica’s management poli-cy committee. Anderson will succeed Dale E. Greene, execu-tive vice president, The Business Bank, when he retires in the third quarter of 2011. Anderson joined Comerica on De-cember 6 from BB&T Corporation, Winston-Salem, NC, where he most recently served as group banking exec-utive and executive vice president. He oversaw 12 regional markets, includ-ing TX after the Colonial Bank acquisi-tion. He held a variety of increasingly responsible positions during his 25 years with BB&T Q

Volume 137, No. 24December 13, 2010

In This Issue...

Employment Reference Checking, Part IFeature............................................3

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

Classified.......................................9

Please route this issue:

www.bankersdigest.com

Anderson

Anderson to Succeed Greene at Comerica

Trevino Appointed Bay Area Market President, Texas Gulf Bank, N.A., Houston

Robb Named Managing Director, Zions Energy

Cline Is SVP, Hancock Bank in Baton RougeHancock Bank, Baton Rouge, LA, has named Jane T. Cline senior vice presi-dent in the bank’s Baton Rouge met-ro division. She has served as vice president and the metro division manager since 2008. Cline joined Hancock Bank as the Southeast area/Baton Rouge retail area manager in 2005. She earned a bachelor’s degree from LSU in 1972, is a 2010 graduate of the Graduate School of Banking at LSU, and is a graduate of the ABA Retail Banking School. She also holds a LA insurance license and a Series 7 securities license. Cline is an Ambassador Club mem-ber of the Baton Rouge Area Chamber of Commerce Q

Cline

Texas Gulf Bank, N.A., Houston, has appointed Loy W. Trevino president of Texas Gulf Bank Bay Area. He will oversee expansion into Friendswood, bringing the bank’s total number of branches across the TX Gulf Coast to eight. Trevino is a 26-year banker who most recently served as Bay Area pres-ident and corporate executive vice president for Patriot Bank in Houston.

Zions Bancorporation, Salt Lake City, UT, has named Craig Robb to a new role as managing director of Phoe-nix, AZ-based Zi-ons Energy Link, a new division within affilate National Bank of Arizona. He pre-viously served as CFO of National Bank of Arizona. In this new position, Robb and his team will support the efforts of Zions affiliate banks to replicate and build upon National Bank of Arizona’s suc-cess in the sustainability finance sec-tor. Under Robb’s leadership, the bank has become a recognized leader of financing for energy efficiency and re-newable projects across AZ. Zions Bancorporation is $52 billion-asset multi-bank holding company, which operates in 10 Western/South-western states, including AZ, NM (Vec-tra Bank of Colorado, Farmington), and TX (Amegy Bank of Texas, Houston) in the Bankers Digest coverage area Q

Trevino

Robb

He began his banking career with Al-lied Bank of Texas in Houston in 1984, joined Sterling Bank in Houston in 1992, and moved to Wallis State Bank in Houston as senior vice president in 1997. His background includes com-mercial/P&E lending and credit analy-sis/underwriting. In 2002 he was named Bay Area regional manager and executive vice president of First Community Bank, N.A., Houston, and continued with the bank’s successor Wells Fargo Bank after First Community’s sale in 2005. He has been a community leader in Friendswood since 1985 Q

Page 2 BANKERS DIGEST December 13, 2010

p e o p l e TeXAS

Gibbon and DeLand Tapped Vice Presidents, Texas Bank and Trust Company, Longview

Bankers Digest®

Established 1942A Weekly Bank News Magazine

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Brundage Is Managing Director, NexCapitalNexCapital, Dallas, has named Eric Brundage managing director of the investment banking and advisory firm which is affiliated with NexBank, Dallas, according to Davis Deadman, president/CEOs. Based in Dallas, Brundage will be responsible for developing new client relationships and expanding the firm’s investment banking services for private and middle-market companies located throughout the US. In early 2010, he was named by the Dallas Business Journal as one of Dallas’ “Mergers and Acquisi-tions Deal Makers of the Year” Q

Trevino

Chairman Rogers Pope has announced that Sherry Gibbon has been named vice president and sales administrator for customer sales and service, and Dorrie DeLand has been promoted to vice president and branch manager for the main bank location in Longview. Gibbon joined the bank in 2004 as an assistant vice president in the ope-ations division, serving as manager of the overdraft privilege program. The 25-year banker most recently served as vice president and branch manager of the main branch lobby. She holds an associates degree in general business from Kilgore College and completed the requirements for BOI. DeLand, a 20-year banker, most re-cently served as assistant vice presi-dent and operations manager of the main bank lobby. She is a graduate of Sam Houston State University Q

Marchbanks Is SVP for Comerica in Fort WorthMatthew Marchbanks has been named senior vice president and group manager of business banking for Comerica Bank in Fort Worth. He serves from the bank’s Tarrant County headquarters in The Carnegie Build-ing at Sundance Square in downtown. He began his almost 10-year bank-ing career with Comerica, moving up from credit analyst to leadership roles in business banking. He earned a BA degree from Texas A&M University and is a graduate of SWGSB at SMU Q

Icon Bank in Houston Names Letourneau and Barrett VPsIcon Bank of Texas, N.A., Houston, has reported the officer staff for its fifth location which recently opened at 777 Post Oak Blvd., Ste. 150, in the Uptown area. Walter Beard serves as market pres-ident; Lori Letourneau and William Barrett both serve as loan officers Q

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December 13, 2010 BANKERS DIGEST Page 3

F e A T U R e

ByTony Beshara, President

Babich & AssociatesDallas,TX

www.babich.com

(continued on Page 11)

P E R S O N N E L Employment Reference

Checking, Part I

B D

FEATURE

We are often amazed at how noncha-lant an at-titude is tak-en towards checking a

job candidate’s previous employment references. Even a thorough interview-ing process cannot be complete with-out a valid reference checking process. Even though most hiring authorities claim that they do a thorough refer-ence check on potential employees, they simply don’t. What’s so interest-ing about this issue is that, if done correctly, the reference checking process can reveal more about a candidate’s suitabil-ity than the interviewing process. We have all hired candidates who were great at interviewing only to dis-cover that they weren’t anything like we thought they were after they were hired. Many of these mistakes can be avoided by thorough reference check-ing. The following points can make the process more effective:• The hiring authority to whom the job reports to is the best person to check a candidate’s references. We’ve known plenty of organizations who have the H.R. department or someone else, other than the hiring authority, check previous employment referenc-es. However, it is highly unlikely that any of these people know as much about the position as the direct hiring authority directly responsible for the position. That hiring authority should speak directly with the candidate’s ref-erences not only to assess the candi-date’s suitability for the job, but also to gain insight into how best to man-age the potential employee if he/she is hired. We know that checking a candi-date’s references can be tedious as well as time consuming, but to offload this task to a third-party who doesn’t

have to live with the consequences of a bad hire is a recipe for disaster. The short term chore of checking refer-ences is well worth the annoyance to avoid the long-term pain of hiring the wrong employee. Carefully checking references is much less costly than a hiring mistake.• A direct hiring/managing authority can ask meaningful, even subtle ques-tions about the candidate relating to the intricacies of the job itself. The an-swers may make a big difference that a

third party “checker” wouldn’t know.• The overriding reason a direct hiring authority should check an employment reference on a candidate is that pre-vious managers will be more honest and forthright with a perceived peer. Many times a third party, detached reference checker has contacted a pre-vious direct authority of a candidate and received a glowing employment reference, only to have the prospec-tive direct hiring authority check with

Page 4 BANKERS DIGEST December 13, 2010

p e o p l e TeXAS

Malik and Miller Promoted to VP, BBVA Compass in Dallas

Hockmuth Is Relationship Manager, Wells Fargo Bank

Bank of the Ozarks Hires Strack, King, and Lorence

BBVA Compass has announced that Tyler Malik and Matt Miller have been promoted to vice president for the commercial real estate group in Dallas. Both bankers will continue developing commercial banking rela-tionships for multi-family, retail, of-fice, and industrial customers. Malik has served in the commer-cial real estate group at assistant vice

president level. Before joining the bank, he served as a commercial real estate credit underwriter at JPMorgan Chase Bank. He holds a business de-gree from the University of Kansas. Miller is a six-year banker with ex-perience in lending, underwriting, and portfolio management. He earlier served at Guaranty Bank in Dallas and holds a business degree in finance from SMU Q

ARKANSAS

NeW MeXICo

Bank of the Ozarks, Little Rock, has hired Joseph Strack as senior vice president, Luke King as an investment portfolio manager, and Rick Lorence as financial consultant. Strack will serve as tax director. He previously served as director of tax for Acxiom Corporation and as a partner of KPMG accounting firm, where he served for over 20 years. King previously served with Re-gions Bank as a commercial lender. Lorence will serve as a financial consultant for Investment Profession-als Inc. through the bank at its head-quarters in Little Rock. He has 18 years of financial experience and holds a BBA degree from the University of Ar-kansas and a JD degree from the Uni-versity of Arkansas School of Law Q

Wells Fargo Regional Banking Man-ager Bruce Beebe has announced that Andrew Hockmuth has been named business relationship manager for business banking in Albuquerque. He serves at the 200 Lomas NW location. Hockmuth joined the bank in 2003 and has served as a personal banker, store manager, and a regional private banker Q

SpiritBank Elects Johnson Newest Board MemberSpiritBank, Tulsa, has announced that Carlos Johnson, Ed.D. and CPA, has been elected to the bank’s board of directors. He will focus on statewide economic development. Johnson is a retired partner from the accounting firm KPMG and has more than 40 years of accounting experience specializing in financial institutions, higher education, government, not-for-profit, and retail practices. Until June 30, 2010, he served as chairman of the Oklahoma Board of Accountancy and as chairman of the Oklahoma Internet Governmental Technology Board Q

oKlAHoMA

December 13, 2010 BANKERS DIGEST Page �

p e o p l e

Legacy Bank Reports Five Employee Appointments

Farris Is Ag Loan Officer, American National, Ardmore

ICBA Announces Executive Management Promotions

TRADe ASSoCIATIoNSoKlAHoMA

The Independent Community Bankers of America (ICBA) recently announced the promotion of several members of its executive staff, including Greg Martinson, senior vice president, Sauk Centre, MN, operations and educa-tion, to executive vice president; Da-vid Haithcock, senior vice president, Western region office manager, to ex-ecutive vice president; Chris Lorence, senior vice president, marketing, to senior vice president/chief marketing officer; and Alan Keller, director, leg-islative policy, to vice president, legis-lative policy. Martinson, who heads up the op-erations for the Sauk Centre office and ICBA’s education programs, will con-tinue to have the same responsibili-ties with this promotion. Lorence will manage newly combined marketing and communications departments. Alisa Parker was promoted to di-rector, administrative services, and Caroline Prado Johnson was promot-ed to director, Western regional office Q

Legacy Bank, Hinton, has moved Vicki Devorak to the position of internal auditor at the support central office in Oklahoma City. Noel Arnold will be serving as se-nior internal auditor at the central support office. Lauren Ratcliff has moved to the position of trust operations specialist. Brent Womack will be serving as a universal associate II. Ben Steiger will be serving as a credit analyst Q

American National Bank, Ardmore, has reported that Dell Farris has joined the bank as agricultural loan officer and will serve out of the Comanche location. Jesse Cross, president/CEO, made the announcement. Farris is a recent graduate of Okla-homa State University with a BS de-gree in agricultural economics and a minor in finance. He was honored as an OSU Senior of Significance. He is an Eagle Scout and an American FFA degree recipient. He grew up on a family farming and ranching operation in Addington, west of Ardmore in Jefferson County. While in college, he completed an in-ternship with Cargill Cattle Feeders in Lockney, TX Q

Retired Okmulgee Bank EVP John Spaulding Broach DiesJohn Spaulding Broach, of Okmul-gee, died on November 18 at the age of 77. The retired Okmulgee banker served with two banks during his 48-year banking career. Broach, a native of Tulsa, served for 18 years at the First National Bank

and Trust Co. in Tulsa and for 30 years at the First National Bank and Trust Company of Okmulgee. At his retire-ment in June 1999, he was executive vice president and cashier Q

Page � BANKERS DIGEST December 13, 2010

N e W S W A T C H

The First State Bank, Canute, Opens Oklahoma City OfficeThe Oklahoma City branch of The First State Bank, N.A., Canute, has opened on the first floor of the Union Plaza building at 3030 NW Expressway, an-nounced David Durrett, chairman/CEO. The branch manager is Jennifer Friedman. The First State Bank, OK’s oldest active state chartered bank, opened a new building for its Midwest City branch in May. The bank, established in 1902 in Canute, has three full-ser-vice locations in Oklahoma City, Mid-west City, and Canute. It reports total assets in excess of $88 million Q

oKlAHoMAThrift Industry Reports $1.77 B Third Q ProfitsThe U.S. thrift industry reported its fifth consecutive quarterly profit in the third quarter, $1.77 billion, ac-cording to the Office of Thrift Super-vision. That was up from $1.24 billion profit in the year-earlier quarter, and up from the $1.49 billion profit in the second quarter of 2010. The OTS said financial institutions reported an ROA of 0.77% in the third quarter, up from 0.46% in the year-ear-lier quarter and up from 0.64% in the second quarter of 2010. The industry, despite these profit gains, still continues to struggle with problems in the commercial real es-tate market and housing markets, and weak economic growth and high un-employment. The OTS said that the percentage of troubled assets held by the industry remains at levels unseen since the S&L crisis of the late 1980s and early 1990s. Troubled assets were 3.45% of assets at the end of the third quarter, up from 3.35% at the end of the second quarter but down from 3.65% at the year-earlier quarter. The number of “problem thrifts” stood at 53 at the end of the third quarter, up from 43 a year earlier, and down from 54 at the end of the second quarter of 2010. At the end of the third quarter, the OTS supervised 741 thifts with assets of $927.9 billion versus 753 thrifts with assets of $931.1 billion at the end of the second quarter. Since September 2009, thrifts have cut their combined mortgage portfolio from $550.3 bil-lion to $435.9 billion as of September 2010, a reduction of more than 20%, according Jon Prior, writing in www.housing wire.com on December 6 Q

INDUSTRY eARNINGS

Bank regulators extended their Thanks-giving holiday through Friday, Decem-ber 3, and no financial institutions were closed for the second week in a row. Year-to-date failures continue to stand at 149, the most in one year since 1992 when 179 banks failed Q

No Banks Failures Dec. 3;YTD Total Failures Are 149

BANK FAIlUReS

TeXASSouthwest Securities, FSB, Parent Plans to Raise CapitalSWS Group Inc., Dallas, announced on December 6 that it intends to offer, subject to market and other consider-ations, $95 million in convertible se-nior notes due 2015 to the public. The company said it intends to use $75 million of the net proceeds from the offering as a capital contribution to its banking subsidiary, Southwest Securities, FSB, Dallas, and for gener-al corporate purposes, which may in-clude additional capital contributions to the bank. Southwest Securities, with $1.7 billion in total assets, is one of the largest com-munity banks based in the Metroplex Q

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December 13, 2010 BANKERS DIGEST Page 7

N e W S W A T C H TeXAS

Equity Bank, Dallas, Now Triumph Savings Bank Due to Ownership Change, Management RemainsTroubled Equity Bank, SSB, Dallas, has been sold to a group lead by Aaron P. Graft, president/CEO of the Dallas holding company for the bank, Triumph Consolidated Cos., LLC, ac-cording to an article by Jeff Bounds, staff writer, Dallas Business Journal. On November 22 the bank changed its name to Triumph Savings Bank, SSB. According to the article, the bank was sold for less than its roughly $22 million book value, but no price was disclosed. Graft said the bank now has capital totalling about $41 million. Equity Bank reported net losses in 2008 and 2009 due to losses from loan sales and provisions for loan losses. Ac-cording to the FDIC’s website, the bank reported year-to-date, as of September 30, 2010, net income of $579,000. As of September 30, 16.7% of the bank’s loans were “not being repaid in a time-ly fashion,” the article reported. Graft said Triumph will not be fol-lowing Equity Bank’s business model,

First Financial Bank Breaks Ground for New Albany BldgFirst Financial Bank, N.A., Abilene, held a groundbreaking on November 22 for a new office building at 232 N. Main in Albany. The bank’s current branch location is at 132 Hill St. First Financial Bank has been serving the Albany community since 2007 when First Financial opened by de novo in the Shackelford County community. The new building will be 3,200 square feet and will have three wide drive-thru lanes to accommodate large trucks. A summer 2011 opening is anticipated. Steve Waller, senior vice president of First Financial’s Albany and Moran branches, said the new building will be a state-of-the-art facility and will be larger than the current location. He will continue to manage the Albany branch along with Jana Kitchens, vice president. First Financial also has locations in Abilene, Clyde, Moran, and Odessa Q

which was to buy loans that were not being paid at a discount and sell them for a gain. Graft said when the bank was sold, a “write-down of more than $10 million of the former Equity Bank’s troubled loan portfolio,” occurred. Triumph’s business model will be to make loans and acquire loans in the secondary market. He expects loan originations to account for 60%-70% of its business, with acquisitions ac-counting for the remainder. Graft said the holding company is re-taining the bank’s management team, including CEO R. Bryce Fowler, who joined in 2008 as president and was elevated later to CEO. The manage-ment team consists of alumni of Beal Bank, Plano, and the former Bluebon-net Savings Bank, Dallas. The new ownership group has roughly 30 investors, including Graft and Carlos M. Sepulveda Jr., presi-dent/CEO of Interstate Batteries, who is chairman of the bank’s holding company Q

Page � BANKERS DIGEST December 13, 2010

C h a r t e r

a c t i v i t y

R e G U l A T o R S

ArizonaMEMBERSHIP The FEDERAL RESERVE BANK OF SAN FRANCISCO has filed an ap-plication by FirstBank of Arizona Inc., Phoenix, to become a member of the Federal Reserve System.

ArkansasMEMBERSHIP The FEDERAL RESERVE BANK OF ST. LOUIS has filed applications by the following banks to become mem-bers of the Federal Reserve System: Simmons First Bank of El Dorado, N.A., El Dorado; Simmons First Bank of Hot Springs, Hot Springs; Sim-mons First Bank of Northeast Arkan-sas, Jonesboro; Simmons First Bank of Northwest Arkansas, Rogers; and Sim-mons First Bank of South Arkansas, Lake Village.

MississippiCRA EVALUATION The FEDERAL DEPOSIT INSUR-ANCE CORPORATION has reported in the December 2010 list of banks ex-amined that Priority One Bank, Ma-gee, has received an outstanding CRA rating.OklahomaMERGERS AND ACQUISITIONS The OKLAHOMA STATE BANKING DEPARTMENT has received an appli-cation for the merger of the following subsidiary banks of Olney Bancshares of Texas Inc. with and into Union Bank, Oklahoma City: First Coleman National Bank, Coleman, TX; Gra-ham National Bank, Graham, TX; Citi-zens National Bank of Breckenridge, Breckenridge, TX; First State Bank of Canadian, N.A., Canadian, TX; First National Bank of Olney, Olney, TX; Friona State Bank, N.A., Friona, TX; Farmers National Bank of Seymour, Seymour, TX; and InterBank, Elk City, OK. Branch applications by Union Bank, Oklahoma City, in the following: Olney, Graham, Friona, Coleman, Ca-nadian, Breckenridge, and Seymour, TX; and Elk City, OK.TexasBRANCHES The OFFICE OF THE COMP-TROLLER OF THE CURRENCY has approved an application by Texas Na-tional Bank of Jacksonville for a branch at 2133 W. Grande Blvd., Tyler. The OCC has approved an applica-tion by The Frost National Bank, San Antonio, for a branch at 5925 Kirby Dr., Houston. The OCC has received an applica-tion by Encore Bank, N.A., Houston, for a branch at 845 N. Eldridge Pkwy., Houston. The OCC has approved an appli-cation by CommunityBank of Texas, N.A., Beaumont, for a branch at 28341 SH 249, Tomball. The TEXAS DEPARTMENT OF BANKING has received an applica-tion by First State Bank of Mineral Wells, Mineral Wells, for a branch at 1901 Wall St., Weatherford; the FRB OF DALLAS has filed an application by First State Bank to purchase the as-sets and assume the liabilities of West Crockett National Bank, San Angelo, at 1901 Wall St., Weatherford, and to establish a branch at this location Q

December 13, 2010 BANKERS DIGEST Page �

ence, loan review, credit analysis, and asset liquidation. Engaged in all phases of workout - bank and regulatory level. Will consider com-munity bank lending position. Will relocate. Currently employed. Re-spond to bankersdigest@bankers-digest.com, subject line Box D - 2.

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EXPERIENCED RURAL LENDER: 15 years of rural lending experi-ence, appraisals, loan review, credit analysis. 10 years management ex-perience, managing portfolio up to $58,000,000. Recent work with the FDIC on loan servicing. Willing to re-locate to any area of Texas for the right position. Please email experi-encedbanker@yahoo.com.

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perience, managing portfolio up to $58,000,000. Recent work with the FDIC on loan servicing. Willing to r locate to any area of Texas for the right position. Please send email to experiencedbanker@yahoo.com

Are you under MOU, CO, Formal Agreement or C&D and need help? Seasoned workout officer with 20 years of commercial/C&I/RE/con-sumer/asset based lending experi-

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Advertising rates are $35.00 for the first 25 words; $10.00 for each additional 10 words per insertion. Ads which use a Bankers Digest box number for forwarding responses will be charged $5.00 additional per insertion for postage and handling. Ads run on Bankers Digest website for the duration of the advertising agreement at no additional charge. Only Principals will be assigned box numbers. Responses to Bankers Digest boxes are forwarded twice weekly. Advertising deadline is Monday noon for following Monday’s publication. Bankers Digest makes no representations or warranties for information, products, or services contained in any advertisement herein or on our website.

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Page 10 BANKERS DIGEST December 13, 2010

C l A S S I F I e D Babich & Associates, Sharon@babi-ch. com, 214/823-9999, #306, www.babich.com. (see banking).

OKLAHOMA COMMERCIAL LEND-ER with 5+ years experience plus strong business development and credit skills. Great opportunity with a growing organization in a small town! Harvey Urban, Babich & As-sociates, hurban@babich.com 214-823-9999, #304.

Position Summary: Small consulting firm seeking management-level employee. This position will be responsible for performing and managing credit risk consulting proj-ects for a variety of clients in the financial institutions industry. This primarily includes providing loan review services and consulting with clients on credit related matters. Supervise, train and review the work of other consultants. Manage key aspects of client service projects from planning to completion. Become a trusted advisor to client management by providing appropriate recommendations and solutions. Able to make and sustain meaningful client relationships. Support proposal and business development activities by iden-tifying new target clients, building business relationships with key executives and developing/presenting proposals.

Qualifications: • Bachelor’s degree in Accounting or Finance, or equivalent combination of education and experience• 10+ years experience of working in financial institutions, accounting firm or consultant positions• Management and team leadership preferred• Working knowledge as a credit expert; significant commercial credit experi-ence, including CRE, C&I and Ag Credit• Direct and deliver significant engagements that provide value to clients through project management, creation of deliverables and knowledge transfer• Manage engagement to ensure quality is delivered within budget• Understanding of business processes, assessing risk environment, and devel- oping a work plan and testing approach• Thorough knowledge of federal and state banking laws related to credit risk• Must possess excellent writing and communicating skills in order to deliver clients a clear and concise report and presentation containing meaningful recommendations• Excellent computer skills – proficiency in Microsoft Word and Excel• National overnight travel up to 90%

Additional skills desired:• Knowledge of underwriting score cards, behavior score cards, testing sets and response modeling would be a plus• Graduate degree a plus• Ideal candidates will have completed a formal credit training program

Compensation Package:• Competitive salary package, including incentive bonus for business produc-tion, paid vacation, defined benefit plan.Forward resume to: mearl911@cox.net

BANKING CENTER PRESIDENT, HOUSTON: Local C&I lender will manage lending staff plus develop business. Competitive salary plus options. Mark Mitchell, Lone Star Search, 972.335.9009, www.lone-starsearch.net.

COMMUNITY BANK LOAN OFFI-CER: Vernon, Texas. Must possess strong lending and business devel-opment skills. Community partici-

pation a plus. Call or send resume to Campbell Burgess, Herring Bank, CBurgess@HerringBank.com, 806-242-3704.

COMPLIANCE OFFICER/IT PROFES-SIONAL: Community bank in Hous-ton seeking to fill two openings. A highly experieced compliance professional for hands-on position and an IT trained individual to run data area. Fiserv experience a plus. Please send resume to bankersdi-gest@bankersdigest.com, subject line Box S-1.

COMMUNITY BANK LOAN OFFICER position in Santo, Texas. Must pos-sess strong lending and business development skills. Community par-ticipation a plus. Please send re-sume to bankersdigest@bankersdi-gest.com, subject line Box 0-2.

PRESIDENT/CEO. Bandera First State Bank, Bandera Texas, is seek-ing a PRESIDENT/CEO. Experi-enced bank executive with at least five years of proven leadership as a CEO or in executive management. The successful candidate will pos-sess strong leadership, communi-cation, team building, and IT skills. A degree in finance, business, or related field is preferred. Bandera First State Bank is a growing com-munity bank located in the beautiful Texas Hill Country. For confiden-tial consideration, please email re-sume and salary considerations to mboyle@banderafirst.com.

DEPOSIT OPERATIONS SUPERVI-SOR: Locally owned $190M com-munity bank is seeking a candidate with bank deposit and IT Operations experience. Deposit compliance and employee supervision experi-ence expected. Candidate should have strong communication, orga-nizational, supervisory, and project management skills. Must have 5 years banking operations experi-ence and/or a degree in business. Forward resume to jbeck@bank texas.org.

December 13, 2010 BANKERS DIGEST Page 11

C l A S S I F I e D COMMERCIAL LOAN OFFICER for Southwest Securities, FSB, in Waxa-hachie, Texas. Requires 10 years commercial lending experience and contacts/portfolio in Waxahachie market. Visit our website at www.swsgroupinc.com for more informa-tion and to apply.

TWO LOAN OFFICERS: Community Bank in Austin is looking for a COM-MERCIAL LENDER with SBA expe-rience and a MORTGAGE LENDER for their Lakeway Office. Both posi-tions require 3 to 5 years of experi-ence, an existing book of business, and a proven track record. Local candidates only. For confidential consideration, please email resume and cover letter to cbourne@texas countrybank.com.

INTERNAL AUDITOR AND/OR COM-PLIANCE OFFICER: Positions avail-able in Amarillo, Dallas, Wichita Fal-las, Oklahoma, and Colorado. Must possess strong audit and/or compli-ance experience. Call or send re-sume to Campbell Burgess, Herring Bank, CBurgess@HerringBank.com, 806-242-3704.

CASHIER for community bank in Rockwall, Texas. Must have 10+ years and current experience as cashier/CFO for a community bank. HR, call report & BSA experience required. Candidate must have strong comunication, organizational & supervisory skills. Please email resume and salary considerations to bforbus@LNBRockwall.com.

North Dallas Community Bank is seeking experienced individual to MANAGE THE LOAN OPERATIONS AREA. This position requires exten-sive knowledge of loan operations including compliance, loan soft-ware, system software, loan docu-mentation on all loan types, banking laws and regulations. Experience in similar bank position REQUIRED. Detailed job description will be pro-vided to qualified candidates. Ref-erences required. Send resume to rfusaro@libertycapitalbank.com.

EQUIPMENT FOR SALE

FOR SALE: Used & refurbished bank equipment. Over 340 types SD locks, repair parts & timelocks for all brands excluding ATMs & re-mote drive-ins. OK license #1055. 1-800/642-8763, or FAX: 580/584-7720, or email: underwoodsafe@ya-hoo.com or www.underwoodsafe.net.

NEW AND REFURBISHED Vaults, Safes, ATMs, Undercounters, Cash & Coin Lockers, Safe Deposit Box-es, Drive Thru Equipment. ATM Cassettes, and Supplies. Call 1-888-608-2858, visit http://www.crosslin-safe1vault.com.C l A S S I F I e D C Let Us Build You a Custom Designed Bank Facility: 2,000 square foot, brick or stucco exterior, $235,000.00 complete with all financial equip-ment. 888-800-8866,www.NorthAmericanBuildings.com

BANKING EQUIPMENT NEW AND USED: x2 units, fireproof files-notes, legal and letter, Money safes. FLAIR SYSTEMS, 800/468-1246, 214/340-3580.

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the same reference giver and receive a much less glowing reference. Why does this happen? Often a previous manager simply doesn’t feel obligated to tell the truth to anyone other than another manager. The previous man-ager may cross paths with a future hir-ing authority. He or she needs to tell the truth. That same obligation may not be felt toward anyone else.• We often interview candidates who offer as references customers, people they work with, ex-college professors, friends, neighbors, pastors, rabbis, etc. The only thing more astounding about people using friends as employ-ment references is the acceptance of their validity by potential employers. The only credible people who can tell anyone about a job candidate’s work performance are the people who have supervised and managed the candi-date. If you can’t check a potential employee’s references by contacting previous managers and supervisors, you might as well not check any em-ployment references at all. • You will run into candidates who that say their previous supervisors are not allowed to give employment refer-ences. Don’t buy it! Here’s what you say to a prospec-tive candidate when you hear him or

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Page 12 BANKERS DIGEST December 13, 2010

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her tell you this. “Now look, Mr. or Ms. Candidate, we have a number of quality candidates to choose from and checking an employment reference with your past bosses and supervisors is a MUST. So it is up to you to get them to speak to me on a personal level. We cannot move forward with you without my being able to speak to those people.” A good employee should not have a problem getting references in this fashion. Bosses of good employees

Feature (continued from Page 11)want to help them get ahead. The can-didate may have to ask for an “excep-tion” to company policy, but most of the time, he will get it. Degree confirmation, criminal background checks, and credit checks all should be conducted for every can-didate being seriously considered for employment. Studies show that 10% of the people who say they received a degree from Harvard University didn’t. It is estimated that 15% of the people who say they have a college degree do not. Verifying a college degree is really

easy to do. • DWI’s and bad credit may reveal a lot about a candidate. This is not to say that a candidate with a less than stel-lar credit history should be eliminated from consideration, especially in this last recession. We have seen many candidates with badly bruised credit still get hired and be excellent em-ployees. There are some exceptions to any guidelines that a company may have. These kinds of checks, however, give an indication of an individual’s personal life and integrity Q