Careers

At Citizens National Bank, we value our employees and strive to create an excellent work atmosphere.

Our goal is to serve clients with personal service provided by people they know and trust. Every member of our staff is client oriented, and we provide the highest level of service along with personal attention. Employees enjoy competitive wages along with excellent benefits.

Employee Benefits

• Competitive wages
• PTO for full-time employees
• Medical & dental insurance
• Vision insurance
• Group life and long-term disability coverage
• Employer HSA contributions
• Supplemental coverage is available
• 401(k) matching program
• Wellness workplace incentives

Open Positions

SENIOR STAFF ACCOUNTANT

Location: Round Rock

Reports To: Chief Financial Officer

Job Overview

The Senior Staff Accountant will assist in managing and preparing all internal and external financial statements and management reports for the bank and holding company, accounting, cash management and safekeeping administration for the bank’s securities investment portfolio and reconciliation of general ledger accounts. This position works closely with the CFO to assist in all finance and accounting activities, and regularly interfaces with executive management, branch leadership and deposit operations personnel. This position will also oversee and manage payroll and process benefit billings.

Responsibilities and Duties

• Responsible for complying with all applicable banking laws and regulations.

• Responsible for complying with all aspects of the Bank Secrecy Act, Anti-Money Laundering regulations and the Office of Foreign Asset Control regulations.

• Maintains parent company financial records and generates consolidated financial statements.

• Generates GAAP and financial management reports for the bank including monthly closing reports.

• Manages the securities investment portfolio including funding and documentation of all purchases/maturities/sales, safekeeping activities, monthly journal entries, reconcilement, Board reports, and recordkeeping.

• Reconciles and maintains supporting documentation for general ledger accounts with specific focus on payroll accounts, fixed assets, other assets, and other liabilities accounts.

• Prepare regulatory reports such as Call Report.

• Works with auditors as needed to support the bank’s internal and external audit program.

• Provides back-up support for accounts payable, correspondent bank activities and funds management.

• Other duties as assigned include assistance with the annual budget, Asset/Liability management, property taxes, fixed assets, bank insurance, and payroll reconciliations.

• Manage and approve monthly billings from providers; review billings for accuracy and approve for payment in a timely manner; resolve discrepancies with carriers and payroll.

Qualifications

• BS or BA in accounting, finance or business; CPA preferred.

• 5+ years in accounting with strong knowledge of GAAP and regulatory reporting requirements.

• Bank accounting experience is strongly preferred.

• Knowledge of investment securities accounting.

• Experience in budgeting and forecasting.

• Proficient in Microsoft Office with strong competency in Excel. 

Skills

• Ability to multitask and prioritize.

• Strong attention to detail and able to process large amounts of data efficiently.

• Ability to work under stressful and time sensitive deadlines.

• Use good judgment and make sound decisions.

• Possesses clear understanding and complies with all bank procedures, laws, and federal regulations.

• Establish supportive working relationships with all employees to promote a team atmosphere.

• Displays effective listening, verbal, and written communication skills.

• Completes assigned tasks under limited supervision, with accuracy and thoroughness.

• Assists internal and external customers in a helpful and professional manner.

• Must have a high level of interpersonal skills to handle sensitive and confidential information.

Branch Service Manager

Reports To: Regional Service Manager

The Branch Service Manager is responsible for the administration and efficient daily operation of a full-service branch, including operations, client service, leadership, training, supervision, and security and safety in accordance with the Bank’s procedures. The Branch Service Manager provides a superior level of client relations and promotes the sales and service culture through coaching, guidance, and staff motivation. This role will be responsible for participating in community affairs to increase the Bank’s visibility and to enhance new and existing business opportunities.

Responsibilities and Duties

• Provide leadership and oversight of all branch banking activities including but not limited to client banking transactions, opening/closing accounts, online/mobile transactions, fraud alerts, disputes and fraud prevention, merchant services, cash management and controls, account charge-offs and safe deposit box activities.

• Support and participate in bank-wide goals and initiatives, including the development and implementation of new products and services.

• Work alongside the Branch President to acquire and grow client relationships and increase branch profitability.

• Maintain a strong working knowledge of the bank’s core processing system and ancillary software, products, services, and branch procedures.

• Organize, sponsor, and participate in community events to establish and maintain connections with the communities we serve.

• Successfully resolve client issues timely and professionally.

• Anticipate staffing requirements to meet branch needs and participate in the recruiting, interviewing, and onboarding of new employees.

• Oversee staff training as well as identify and foster development opportunities for all branch personnel as required or needed.

• Evaluate the performance of branch personnel, develop goals and objectives, and provide both formal and informal feedback on a regular basis.

• Maintain a strong internal control environment, ensuring bank policies and procedures are communicated and followed.

• Oversee branch security, opening and closing of branch, and cash deposit activity.

• Oversee vendors who provide branch services including courier services, cleaning, building and equipment maintenance, security, etc. and approve invoices for services rendered.

• Review daily branch reports, taking appropriate action as needed.

• Balance daily branch cash: order and ship money as needed.

• Ensure the safety of all employees, seeing that safety rules are followed, hazardous conditions are corrected, and equipment is properly maintained.

Skills

• Demonstrate strong leadership skills in support of the Bank’s core values.

• Effectively communicate with clients, prospects, and bank personnel.

• Foster and promote teamwork and adapt to change.

• Utilize sound business acumen to understand complex client relationships and branch financial performance.

Experience and Education

• 5+ years in banking, preferably in a branch banking role.

• Management/supervision experience preferred.

Compliance/Bank Secrecy Act (BSA) Analyst                                                             

Reports To: BSA & Compliance Manager  

Location: Round Rock                                           

FLSA Status: Non-Exempt                                                                 

Job Overview

As part of the Compliance Team, the Compliance/BSA Analyst supports the development, implementation, and maintenance of a comprehensive and holistic Compliance Management System (CMS) Program to ensure the Bank complies with all applicable federal and state laws, regulations, supervisory statements of policy, and internally developed policies and procedures. Additionally, the Compliance/BSA Analyst conducts reviews and analyzes regulatory compliance for the Bank.

Duties and Responsibilities

(The primary tasks, functions, and deliverables of the role.)

• Responsible for complying with all applicable banking law and regulations, the Bank Secrecy Act/Anti Money Laundering regulations, and the Office of Foreign Asset Control regulations.
• Apply customer due diligence information and customer identification procedures to identify higher risk customers.
• Review Currency Transaction Reports.
• Use BSA/AML monitoring application system and other reports to detect and investigate suspicious activity.
• Analyze account transactions to detect unusual activity indicative of fraud or anti-money laundering and report any potentially suspicious activity.
• Conduct higher risk customer reviews.
• Responsible for Reg CC deposit hold reviews.
• Conduct compliance monitoring, testing, and reporting.
• Cross-train on other Compliance and BSA department tasks to be able to perform task when co-workers are out of the office.
• Assist, as needed, with bank audits and exams.
• Help monitor and assign regulatory compliance training.
• Complete special projects as requested.

Skills and Competencies

(The abilities that the individual needs in order to perform this role effectively)

• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Ability to multi-task and meet deadlines.
• Effective verbal, written and interpersonal communication skills.
• Strong analytical, organizational and time management skills.
• Strong critical thinking skills.
• Ability to pay attention to detail.
• Sound judgement and decision-making skills.
• Ability to work independently as well as with others.
• Ability to learn new software.
• Must be proficient in Microsoft Products including Word and Excel.
• Must be able to complete all necessary filing, photocopying, and scanning on a regular basis.

Education and Experience

• High School diploma or equivalent. Bachelor’s degree in business administration, finance, or related field preferred.
• Minimum of 2 years banking experience, teller and/or new accounts experience or 1 year of AML/BSA regulations and methods, money laundering/terrorist financing and OFAC experience. 
• Educational experience, through in-house training sessions, formal school, or financial industry related curriculum, should be applicable to banking laws and regulations.
• Knowledge of TRID, Reg B, Reg CC a plus.
• Experience with Fiserv and Nasdaq Verafin a plus.

Assistant Branch Service Manager                                   

Location: Giddings             

Reports To: Regional Service Manager

Job Overview

The Assistant Branch Service Manager is responsible for the administration and efficient daily operation of a full-service branch, including operations, client service, leadership, training, supervision, and security and safety in accordance with the Bank’s procedures with guidance from the Regional Service Manager.  The Assistant Branch Service Manager provides a superior level of client relations and promotes the sales and service culture through coaching, guidance, and staff motivation. This role will be responsible for participating in community affairs to increase the Bank’s visibility and to enhance new and existing business opportunities.

 Responsibilities and Duties

• Provide leadership and oversight of all branch banking activities including but not limited to client banking transactions, opening/closing accounts, online/mobile transactions, fraud alerts, disputes and fraud prevention, merchant services, cash management and controls, account charge-offs and safe deposit box activities.
• Support and participate in bank-wide goals and initiatives, including the development and implementation of new products and services.
• Work alongside the Branch President to acquire and grow client relationships and increase branch profitability.
• Maintain a strong working knowledge of the bank’s core processing system and ancillary software, products, services, and branch procedures.
• Organize, sponsor, and participate in community events to establish and maintain connections with the communities we serve.
• Successfully resolve client issues timely and professionally.
• Anticipate staffing requirements to meet branch needs and participate in the recruiting, interviewing, and onboarding of new employees.
• Oversee staff training as well as identify and foster development opportunities for all branch personnel as required or needed.
• Evaluate the performance of branch personnel, develop goals and objectives, and provide both formal and informal feedback on a regular basis.
• Maintain a strong internal control environment, ensuring bank policies and procedures are communicated and followed.
• Oversee branch security, opening and closing of branch, and cash deposit activity.
• Oversee vendors who provide branch services including courier services, cleaning, building and equipment maintenance, security, etc.  and approve invoices for services rendered.
• Review daily branch reports, taking appropriate action as needed.
• Balance daily branch cash: order and ship money as needed.
• Ensure the safety of all employees, seeing that safety rules are followed, hazardous conditions are corrected, and equipment is properly maintained.

Skills

• Demonstrate strong leadership skills in support of the Bank’s core values.
• Effectively communicate with clients, prospects, and bank personnel.
• Foster and promote teamwork and adapt to change.
• Utilize sound business acumen to understand complex client relationships and branch financial performance.

Experience and Education

• 2+ years in banking, preferably in a branch banking role.
• Management/supervision experience preferred.

Teller

Teller