Citizens National Bank of Texas
Founded: 1868 Parent organization: First Citizens Bancshares, Inc. (Waxahachie, TX)
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Citizens National Bank of Texas Employees
Citizens National Bank of Texas August 2001 - Present
Washington Mutual January 2000 - August 2001
Bank United of Texas January 1995 - August 2001
Skills
Banking, Commercial Banking, Commercial Lending, Consumer Lending, Credit, Credit Analysis, Loans, Portfolio Management, Retail Banking, Small Business Lending, Mortgage Lending, Mortgage Banking, Loan Origination, Credit Risk, Lines Of Credit
Education
Justin F Kimball Dallas
Richland Community College
SMU Mid Management Program
Citizens National Bank of Texas April 2013 - Present
Southwest Securities January 2013 - April 2013
First State Bank, Waxahachie December 2010 - January 2013
Bank of America June 2005 - November 2010
SkillsNET Corporation 2002 - 2005
Skills
Strategic Planning, Project Management, Banking, Talent Management, Business Analysis, Credit, Team Building, Change Management, Data Analysis, Performance Management, Organizational..., Marketing Strategy, Leadership Development, Management Consulting, Analysis, Loans, Management, Portfolio Management, Customer Service, Risk Management, Process Improvement, Loan Origination, Financial Analysis, Budgets, Consumer Lending, Mortgage Lending, Credit Analysis, Commercial Banking, Small Business Lending, Sales Management, Leadership, Finance, Commercial Lending, Business Planning, Treasury Management, Credit Risk, FHA
Education
The University of Texas at Arlington 2002 — 2002
Bachelor of Business Administration (BBA), Business Administration and Management, General
University of Mary-Hardin Baylor 1999 — 2001
Business Administration and Management, General
Atmos Energy November 2013 - Present
Express Professional Services May 2013 - November 2013
Sally White & Associates July 2011 - May 2013
Citizens National Bank of Texas June 2011 - June 2011
Skills
Type 70 wpm, excellent..., Client Services, Hiring, QuickBooks, Management, Customer Satisfaction, Office Administration, CRM
Education
Mountain View College 1981 — 1988
Associate in Applied Arts and Sciences, Business Management
Connection Church December 2014 - Present
Denver Seminary July 2014 - Present
Southwestern Assemblies of God University August 2010 - August 2014
First Baptist Church of Red Oak December 2011 - August 2013
Citizens National Bank of Texas January 2007 - August 2010
Skills
Leadership, Accounting, Management, Project Management, Budgets, Nonprofits, Process Improvement, Microsoft Excel, Teaching, Community Outreach, Financial Analysis, Finance, Higher Education, Marketing, Blogging, Critical Thinking, Writing, Data Analysis, Software Implementation, Access Database, Budget Monitoring, Software Quality..., Microsoft Forecaster, Great Plains Software, Christian Theology, Christian History, Systematic Theology
Education
Southwestern Assemblies of God University 2010 — 2013
Bachelor of Arts, Theological Studies
Agronomic Partners LLC May 2013 - Present
Redox Chemicals, LLC. October 2010 - April 2013
AmeriTurf March 2008 - October 2010
Citizens National Bank of Texas March 2004 - March 2008
Green Industries Inc March 2001 - March 2003
Texas Oncology PA March 1999 - March 2001
Philips January 1985 - January 1999
US Navy September 1978 - December 1982
Skills
Management, Team Building, Strategic Planning, Operations Management, New Business Development, Sales Management, Process Improvement, Customer Service, Agriculture, Research, Leadership Development, Agronomy, Sales, Change Management, Budgets, P&L Management, Risk Management, Negotiation, Team Management, Operational Excellence, Sustainable Agriculture, Acquisition Integration, Sales Process, Educational Leadership, Strategic Communications, Soil Science, Farming, Organic Farming, Crop Protection, Turf Management, Biological Control, Viticulture, Vineyard
Education
Purdue University 2001 — 2003
International Agronomy, Plant and soil science
Hialeah High School/MDCC George T Baker 1975 — 1978
General Studies/Aviation Science, Airframe & Powerplant FAA Licence, General Aviation Science
Wells Fargo Advisors, LLC. April 2014 - Present
Wells Fargo June 2010 - April 2014
Wells Fargo Advisors June 2010 - April 2014
Citizens National Bank of Texas January 2007 - June 2010
Starbucks Coffee Company August 2005 - January 2007
Skills
Investments
Education
Southwestern Assemblies of God University 2002 — 2006
Church Ministries
Berean Academy 1997 — 2002
Boston College October 2013 - Present
The Link November 2012 - December 2013
Citizens National Bank of Texas November 2007 - November 2012
Skills
Loans, Credit, Banking, Consumer Lending, Customer Service, Commercial Lending, Community Outreach, Credit Analysis
Education
Dallas Baptist University
Bachelor of Arts (BA), Communication and Media Studies
Evangel University
Citizens National Bank of Texas October 2013 - Present
Citizens National Bank of Texas July 2005 - Present
Skills
Loans, Banking, Consumer Lending, Deposits, Branch Banking, Mortgage Banking, Commercial Banking, Lines Of Credit, Internet Banking, Personal Banking, Operational Risk, Financial Institutions, Loan Servicing, Cash Management, Core Banking, Commercial Lending, Community Banking, Residential Mortgages, Refinance, Banking Relationships, Credit Analysis, Credit, Loan Origination, Mortgage Lending, Retail Banking, Portfolio Management, Bank Secrecy Act, Financial Analysis, Home Equity Lines of..., AML, Mortgage Servicing, Home Equity Loans, Credit Risk, Small Business Lending
Education
University of North Texas 2007 — 2012
Bachelor of Business Administration (B.B.A.)
Guild Mortgage Company February 2011 - Present
Ambit Energy July 2010 - Present
Affiliated Bank April 2009 - January 2011
Southwest Funding April 2006 - April 2009
Citizens National Bank of Texas January 2003 - April 2006
Skills
Home, Real Estate, First Time Home Buyers, Residential, Mortgage Lending, Investment Properties, Loans, Residential Homes, Loan Origination, Refinance, Real Estate Transactions, FHA, Mortgage Banking, Residential Mortgages, Referrals, REO, Foreclosures, Investors, Home Equity Loans, VA Loans, Real Estate Economics
Education
Texas A&M University 1999 — 2002
Bachelor of Science, Agricultural Economics
Nestlé Waters North America November 2013 - Present
The A21 Campaign June 2013 - August 2013
Farley Street Baptist Church August 2012 - May 2013
Nestlé Waters North America June 2011 - May 2013
Farley Street Baptist Church August 2009 - May 2013
Waxahachie YMCA August 2009 - May 2011
Citizens National Bank of Texas January 2006 - August 2009
Skills
Customer Insight, Consumer Products, SAP, FMCG, Supply Chain, Cross-functional Team..., SAP BW, Microsoft Excel, SAP R/3, Demand Planning, Data Analysis, Christian Ministry, Nonprofits, Communication, Community Outreach, Student Ministry, Childcare, children's ministry, Charity Work, Research, Human Trafficking, Church Administration, Church History, Church Media, Logistics, Critical Thinking, Community Service, Ethics, Bottled Water, First Aid, Event Planning, Public Speaking, Leadership, Team Leadership, Microsoft Word, Customer Service, Event Management, PowerPoint, Social Media, Microsoft Office, Sales, Strategic Planning, Social Networking, Team Building
Education
Liberty University 2014 — 2016
Master of Arts in Christian Ministry, Missions/Missionary Studies and Missiology
Dallas Baptist University 2010 — 2012
Bachelor of Science (B.S.), Christian Studies
Jacksonville College-Main Campus 2007 — 2009
Associate of Science (AS), Pre-Nursing Studies
Citizens National Bank of Texas October 2012 - June 2015
Direct Energy August 2008 - October 2012
Ulta Beauty April 2008 - August 2008
BATH AND BODY WORKS November 2007 - April 2008
Skills
Bookkeeping, Computer Savvy, Front-Office Operations, Back-Office Operations, Marketing & Sales, Customer Service, General Office Skills, Report Preparation, Project Management, Escalations Management, Call Centers, Training, Sales, Accounting, Data Entry, Office Administration, Customer Satisfaction, 10 Key, Time Management, Fax, Telephone Skills, Banking, Employee Training, Credit, Front Office, Customer Experience, Invoicing, Back Office, Customer Retention, Supervisory Skills, Hiring, Software Documentation, Access, Lotus Notes, Report Writing, Process Improvement, Team Building
Education
CMC School of Makeup & Photography 2015 — 2015
Makeup, Airbrush
Navarro College 2010 — 2011
Business Administration and Management, General
Department of Veterans Affairs June 2013 - Present
Department of Veterans Affairs November 2011 - June 2013
New Community Church of Chicago August 2010 - August 2012
Department of Veterans Affairs December 2008 - November 2011
Citizens National Bank of Texas December 2005 - December 2008
K-REP Development Agency June 2007 - August 2007
Skills
Management, Microsoft Office, Loans, Analysis, Financial Analysis, Data Analysis, Economics, Community Outreach, Swahili, Public Speaking, Change Management, Training, Leadership, Employee Training, Teaching, Team Building, Leadership Development, Budgets, Fundraising, Customer Service, Process Improvement, Program Management
Education
Baylor University - Hankamer School of Business 2006 — 2007
MBA, International Management
Sam Houston State University 2002 — 2005
BBA, General Business
Parkland Hospital July 2005 - Present
Dallas ISD September 2001 - July 2005
Citizens National Bank of Texas September 1996 - September 2001
Skills
PeopleSoft, Accounting, Financial Analysis, Budgets, Account Reconciliation, Microsoft Excel, Auditing, Financial Accounting, Microsoft Office, Grants, Spreadsheets, GAAP, Financial Reporting
Education
The University of Texas at Dallas 1984 — 1985
BS, Accounting
The University of Texas at Austin 1976 — 1980
Accounting
First Financial Bank, N.A. December 2014 - Present
Lone Star Ag Credit March 2012 - December 2014
Office Depot October 2011 - March 2012
Citizens National Bank of Texas December 2004 - September 2011
Skills
Credit, Mortgage Banking, Credit Analysis, Customer Service, Loans, Financial Analysis, Banking, Real Estate, Loan Origination, Mortgage Lending, Commercial Banking, Team Leadership, Small Business Lending, Sales, Commercial Lending, Underwriting, Sales Management, Consumer Lending, Customer Retention, USDA, FHA, Wealth Management, Home Equity Lines of..., Real Estate Economics, Investments, Retirement Planning, Mortgage Underwriting, Investment Properties, Refinance, Residential Mortgages, Home Equity Loans, VA loans, FHA financing, Client Relations
Education
Texas A&M University 2000 — 2002
BS, Agricultural Economics
Navarro College 1998 — 2000
AS, Business Administration
Citizens National Bank of Texas March 2015 - Present
Frontier Communications September 2013 - February 2015
Frontier Communications July 2012 - August 2013
OneRoof Energy, Inc. April 2012 - July 2012
Skills
Salesforce.com, Integration, Force.com, SaaS, Cloud Computing, CRM, Telecommunications, Requirements Analysis, SDLC, Software Project..., Vendor Management, Business Analysis, Enterprise Software, Oracle, SQL, Business Intelligence, Data Migration, Databases, Requirements Gathering, Business Process, Data Warehousing, SOA, Unix, Web Services, Visio, Systems Analysis, Software Development, PL/SQL, Microsoft SQL Server
Education
Jawaharlal Nehru Technological University 2003 — 2007
Bachelor's degree, Computer Software Engineering
Citizens National Bank of Texas February 2005 - Present
Navarro College August 2000 - January 2005
Navarro College August 1998 - July 2000
Skills
Social Skills, Human Resources, Organizational..., Consumer Lending, Credit Analysis, Software Documentation, Banking, Finance, Loans, Staff Development, Accounting, Commercial Banking, Credit, Program Management, Securities, Microsoft Office, Customer Service, PowerPoint, Management, Microsoft Word, Strategic Planning, Leadership, Public Speaking
Education
Amberton University 2001 — 2006
Bachelor of Arts, Business Management
Navarro College 1989 — 2000
Associate's degree, Computer Science
RV Rentals USA INC. January 2015 - Present
Ross Stores July 2012 - December 2014
Hastings Entertainment October 2010 - July 2012
Circuit City June 2005 - July 2009
Citizens National Bank of Texas August 2007 - August 2008
Best Buy August 2003 - June 2005
United States Air Force August 1995 - May 1999
Skills
Account Management, Customer Relations, Facilities Management, Financial Management, Inventory Management, Start-ups, Operations Management, Sales Management, Profit & Loss Management, Loss Prevention, Hiring, Employee Relations, Multi-unit, Military, Program Management, Visual Merchandising, Retail, Purchasing, Budget Management, Retail Management, Banking, Community Relations, Training & Development, Interviewing, Coaching, Problem Solving, Employee Engagement, Leadership Development, Team Building, Performance Management, Budgets, Customer Service, Employee Training, Human Resources, Income Statement, Interviews, Leadership, Management, Merchandising, P&L Management, Recruiting, Sales, Store Management, Store Operations, Strategic Planning, Succession Planning, P&L, Training, Time Management, Inventory Control
Education
The University of Texas at Arlington 1999 — 2003
Bachelor of Business Administration (BBA), Business Administration and Management, General, 3.0
Community College of the Air Force 1995 — 1999
Associate of Science (A.S.), Aerospace Propulsion, 3.0
Citizens National Bank of Texas 2014 - Present
AgTexas Farm Credit Services January 2011 - September 2014
Skills
Investments, Real Estate, Loans, Banking, Brokerage, Strategic Planning, Financial Analysis, Risk Management, Investment Properties, Credit, Underwriting, Negotiation, Commercial Lending, Sales Management, Sales, Financial Modeling, Loan Origination, Credit Analysis, Mortgage Lending, Refinance, FHA, Farms, Agribusiness, Mortgage Banking, Commercial Real Estate, Real Estate Financing, USDA
Education
Texas Tech University 1990 — 1993
B.S., Animal Business
Louisiana State University 1993 — 1995
M.S., Animal Breeding & Genetics
InCommons Bank April 2013 - Present
S2 Consulting 2003 - 2015
ECIA 2011 - 2013
Citizens National Bank of Texas March 1995 - February 2003
Comptroller of the Currency 1990 - 1995
Skills
Customer Service, Negotiation, Team Building, Strategic Planning, Property & Casualty..., New Business Development, Banking, Mortgage Lending, Microsoft Office, Loans, Credit Analysis, Leadership, Microsoft Excel, Project Planning, Risk Management, Mortgage Banking, Microsoft Word, Real Estate, Insurance, Sales, Budgets, Public Speaking, Management, Disability Insurance, Financial Analysis, Finance, Credit, Commercial Lending, Underwriting, Investments, Consumer Lending, Loan Origination, Small Business Lending, Securities, Portfolio Management, Policy, Small Business, Commercial Banking, Executive Management, Training, Loan Servicing, Mortgage Underwriting, Residential Mortgages
Education
Duncanville High
Texas A&M University
BBA, Finance
Gateway Mortgage Group January 2012 - Present
Vintage Bank 2004 - 2008
Citizens National Bank of Texas 1984 - 2003
Skills
USDA Rural Housing, VA Loans, Conventional Loans, FHA Loans, Credit Review, First Time Homebuyer..., FHA, Mortgage Lending, Investors, Credit Analysis, Residential Mortgages, FHA financing, Foreclosures, Investment Properties, VA loans, Banking, First Time Home Buyers, Refinance, Mortgage Banking, Underwriting, Credit, Real Estate, USDA, Loan Origination, Sellers, Construction Loans, Loans, Residential Homes, Reverse Mortgages
Education
Southwestern Assemblies of God University 2004 — 2008
BS, Ministry
The National Math and Science Initiative January 2013 - May 2015
The National Math and Science Initiative May 2011 - December 2012
Citizens National Bank of Texas May 2011 - April 2012
AT&T May 2010 - March 2011
The National Math and Science Initiative May 2008 - August 2008
Skills
Dedicated Professional, Customer Service, Teamwork, Organization, Research, Project Planning, Budgets, Microsoft Office, PowerPoint, Microsoft Word, Microsoft Excel, Cpr Certified, AED, Logistics, Data Entry, Time Management, Nonprofits, Social Media
Education
Texas A&M University 2015 — 2017
Bachelor of Business Administration (BBA), Entrepreneurship/Entrepreneurial Studies
Navarro College 2012 — 2014
Navarro College 2009 — 2011
Fire Science/Fire-fighting
Citizens National Bank of Texas August 2005 - Present
Skills
Banking, Commercial Lending, Credit, Credit Analysis, Loans, Commercial Banking, Consumer Lending, Credit Risk, Loan Origination, Small Business Lending, Mortgage Banking, Retail Banking, Mortgage Lending, Mortgage Servicing, Portfolio Management, Financial Analysis
Education
Baylor University - Hankamer School of Business 2001 — 2005
Bachelor of Business Administration (BBA), Finance, Accounting
Citizens National Bank of Texas October 1997 - Present
Tractor Supply Company August 1994 - September 1997
Skills
Small Business Lending, Commercial Lending, Banking, Credit Analysis, Commercial Banking, Asset Based Lending, Loan Origination, Bank Secrecy Act, Credit, Mortgage Banking, Retail Banking, Relationship Marketing, Portfolio Management, Community Engagement, Non-profit Program..., Team Leadership, Commercial Mortgages, Cash Flow Lending, SBA, Loans, Consumer Lending, Lines Of Credit, Construction Loans, Real Estate, Commercial Real Estate, Financial Analysis, Fundraising, Community Outreach, Due Diligence, Parliamentary Procedure, Sales
Education
Tarleton State University 1993 — 1997
Bachelor of Science (B.S.), Agricultural Economics
Southwestern Graduate School of Banking at Southern Methodist University 2002 — 2005
Class 45
Guild Mortgage Company January 2013 - Present
BNI 2013 - 2013
Citizens National Bank of Texas May 2007 - September 2012
MSYB January 2005 - May 2007
ESB Mortgage Company January 2001 - January 2005
Skills
Customer Satisfaction, Loan Origination, Real Estate Law, Mortgage Banking, Customer Service, Mortgage Servicing, Fixed Rate Mortgages, FHLMC, FNMA, REO, FHA, VA, Mortgage Underwriting
Education
Champions School of Real Estate
Mortgage Loan Origination
Southwestern Assemblies of God University 2000 — 2002
Ennis High School 1998 — 2000
Diploma, General Studies
Bojangles' Restaurants, Inc. October 2013 - June 2015
Apple of His Eye MDO October 2009 - March 2013
Real Life Church January 2009 - September 2012
Destiny Church June 2005 - August 2009
New York & Company October 2007 - April 2008
Citizens National Bank of Texas April 2003 - May 2005
Southwestern Assemblies of God University August 2001 - July 2003
Dairy Queen June 1997 - July 2001
Skills
Microsoft Office, Customer Service, Public Speaking, Microsoft Word, Microsoft Excel, PowerPoint, Teaching, Team Building, Research, Event Planning, Leadership, Coaching, Outlook, Social Media, Strategic Planning, Nonprofits, Fundraising, Event Management, Management, Facebook, Inventory Management, Program Management, Community Outreach, Leadership Development, Social Networking, Staff Development, Training
Education
Liberty University 2015 — 2018
Bachelor’s Degree, Early Childhood Education and Teaching
Citizens National Bank of Texas June 2002 - Present
Texas Tel Communications March 1999 - June 2002
DNSI Call Center May 1996 - December 1998
Skills
Banking, Retail Banking, Commercial Banking, Loans, Credit, Consumer Lending, Credit Analysis, Small Business Lending, Mortgage Banking, Mortgage Lending, Credit Risk, FHA, Commercial Lending, AML, Loan Origination, Anti Money Laundering
Education
Mountain View College 1998 — 2000
Business Administration and Management, General
Non-Profit Company August 2012 - Present
GuideStone Financial Resources August 2012 - Present
Vintage Bank December 2003 - August 2012
Citizens National Bank of Texas January 2002 - December 2003
Heritage Bank/Southtrust Bank April 1999 - January 2002
Education
Navarro College 2011 — 2014
Associate's Degree, General Studies
Lone Star Business Association June 2015 - Present
Halliburton June 2014 - May 2015
Citizens National Bank of Texas September 2008 - June 2014
Skills
Loans, Banking, Credit, Coaching, Small Business Lending, Sales Management, Retail Banking, Team Building, Mortgage Lending, Sales, Loan Origination, Consumer Lending, Microsoft Excel, Mortgage Banking, FHA, Financial Analysis, Customer Satisfaction, Customer Service, Management, Real Estate, Commercial Lending, Cash Management, Credit Analysis, Deposits
Education
Texas A&M University 2005 — 2008
bachelor of science, education
Citizens National Bank of Texas January 2011 - Present
Merrill Medical, Inc March 1996 - Present
US Navy 1963 - 2004
Skills
Intelligence, Intelligence Analysis, Navy, National Security, Military, Top Secret, Homeland Security, Security Clearance, Force Protection, DoD, Military Operations, Counterterrorism, Military Experience, Military Training, Crisis Management, Organizational..., Defense, Counterintelligence, Government Contracting, Information Assurance, Operational Planning, Army, Security, Command, Weapons, Government, Security Operations, Surveillance, SIGINT, Security Management, Tactics, Special Operations, Executive Protection, Military Affairs, Counterinsurgency, HUMINT, Intelligence Community, Firearms, Foreign Policy, Enforcement, Private Investigations, Investigation, Reconnaissance, Air Force, Joint Military..., Military Liaison, Interagency Coordination, D, Sales and Business..., Medical Devices
Education
Oklahoma State University 1969 — 1970
Bachelor of Science (BS), Radio and Television
Citizens National Bank of Texas June 2001 - Present
City of Pecan Hill December 2010 - Present
Mainbank June 1998 - June 2001
First State Bank of North Texas March 1994 - June 1998
Dallas Telco Federal Credit Union November 1992 - July 1993
Team Bank February 1990 - November 1992
Team Bank August 1988 - February 1990
DeSoto State Bank August 1985 - August 1988
Skills
Banking, Commercial Lending, Loans, Credit Analysis, Real Estate, Credit, Mortgage Lending, Windows, Portfolio Management, Small Business Lending, Financial Analysis, Leadership, Customer Service, Commercial Banking, Sales Management, Strategic Planning, Consumer Lending, Management, Team Building, Loan Origination, Bank Secrecy Act, Mortgage Servicing, Mortgage Banking, AML, FHA, Lines Of Credit, Risk Management, Credit Risk, Retail Banking, Financial Risk, Deposits, Investments, Branch Management, Refinance, Residential Mortgages, Financial Institutions, Mortgage Underwriting, Small Business, Cross Selling, Branch Banking, Asset Management, Underwriting, USDA, Real Estate Economics, Operational Risk, Cash Management, Relationship Management, Commercial Real Estate, SBA, SBA 504
Education
ABA National Commerical Lending School
DeSoto High School
Texas Bankers Association Lending School
The University of Texas at Arlington
Citizens National Bank of Texas September 2014 - Present
Bank of America September 2013 - September 2014
Bank of America May 2007 - September 2013
Bank of America November 2003 - May 2007
Bank of America April 1999 - November 2003
Bank of America April 1998 - April 1999
Bank of America March 1997 - April 1998
Bank of America October 1987 - March 1997
Skills
Customer Service, Banking, Private Bank, Portfolio Management, Performance Management, Communication Skills, Call Center..., Avaya, Metrics Reporting, Mainframe, Microsoft Office, Commercial Banking, Treasury Services, Call Centers, Treasury Management, Operational Risk, Cash Management, Operational Risk..., Relationship Management, Wealth Management, Lockbox Operations, Trust Services, Team Leadership, Employee Relations, Employee Engagement, Customer Satisfaction, Check Fraud, Credit Analysis, Leadership, Management, Risk Management
Education
Cedar Valley College 1986 — 1987
Santa Fe High School 1980 — 1983
Graduate Diploma
Ameriturf May 2012 - Present
Citizens National Bank of Texas September 2007 - May 2012
Skills
Customer Service, Microsoft Office, Microsoft Excel, Sales, Microsoft Word, Team Building, Customer Satisfaction, Management, PowerPoint, Outlook, Coaching, Budgets, Strategic Planning, Banking, Inventory Management, Account Management
Education
Sam Houston State University 2002 — 2006
Bachelor of Business Administration (B.B.A.), Marketing
Consumer Financial Protection Bureau (CFPB) July 2011 - Present
Federal Reserve Bank of Dallas (FRB of Dallas) July 2010 - July 2011
Comerica Bank June 2006 - July 2010
Citizens National Bank of Texas August 2005 - June 2006
First Convenience Bank May 2002 - July 2005
Skills
Management, Banking, Credit, Loans, Risk Management, Mortgage Lending, Financial Risk, Financial Analysis, Consumer Lending, Financial Institutions, Policy, Credit Analysis, Large Bank Compliance, Non-Bank Compliance, Fair Lending, Risk Assessment, Compliance Risk..., Home Mortgage..., Compliance, Retail Banking, Bank Secrecy Act, Internal Audit, Finance, AML, Operational Risk..., OFAC, Due Diligence, Asset Managment, Commercial Banking, Operational Risk, Small Business Lending, Internal Controls, Mortgage Servicing, Human Resources, Credit Risk, Portfolio Management, Banking Law, USA PATRIOT Act, Capital Markets, Auditing, Financial Regulation, Fraud, Leadership, Loan Origination, Employee Training, Financial Services, Analysis, Commercial Lending, Enterprise Risk..., Mortgage Banking
Education
The University of Texas at Arlington 2002 — 2004
Bachelor of Business Administration (B.B.A.), Business
Hill College 1999 — 2002
Associate of Liberal Arts, General Studies
Capital One December 2014 - Present
SGA Consulting May 2014 - October 2014
First State Bank January 2013 - May 2014
Southwest Securities September 2011 - January 2013
FDIC September 2010 - September 2011
Federal Reserve Bank of Dallas March 2008 - September 2010
Citizens National Bank of Texas August 2003 - March 2008
Skills
Banking, Credit, Risk Management, Management, Credit Analysis, Risk Assessment, Loans, Commercial Banking, Retail Banking, Credit Risk, Financial Risk, Consumer Lending, Loan Origination, Small Business Lending, Change Management, AML, Financial Analysis, Sales Management, Bank Secrecy Act, Commercial Lending, Financial Institutions, Business Development, Mergers & Acquisitions, Branch Banking, Treasury Management, Loan Servicing, KYC, Fraud, Leadership, Operational Risk..., Auditing, Commercial Mortgages, Relationship Management, Operational Risk, Credit Unions, OFAC, Deposits, Asset Based Lending, Executive Management, Investment Banking, Enterprise Risk..., Training, Lines Of Credit, Anti Money Laundering
Education
Southwestern Assemblies of God University 2003 — 2006
BS, Business Management
Citizens National Bank of Texas June 2014 - Present
Regions Financial Corporation August 2011 - June 2014
Skills
New Business Development, Finance, Small Business Lending, Business Strategy, Business Planning, Sales Management, Banking, Cash Flow, Cash Management, Real Estate Financing, Commercial Lending, Community Development, Customer Acquisition, Customer Retention, Customer Service, Customer Satisfaction, SBA, SBA 504, Healthcare Banking, Manufacturing Banking, Asset Based Lending, Refinance, Financial Services, Loans, Credit Analysis, Credit, Consumer Lending, Lines Of Credit, Commercial Banking, Cross Selling, Relationship Management, Commercial Mortgages, Loan Origination, Branch Management, Sales, Underwriting, Mortgage Lending, Small Business, Treasury Management, Mortgage Banking, Financial Analysis, Strategic Financial..., Credit Risk, Portfolio Management, Financial Risk, Risk Management, Funding, Due Diligence, Commercial Real Estate, Cash Flow Lending
Education
The University of Texas at Arlington - College of Business Administration 2005 — 2007
International Business Spanish, International Business with emphasis in Latin American Countries
Self-employed January 2012 - Present
BOX INSURANCE GROUP January 2012 - Present
David Box Allstate Ins Ennis TX July 2003 - November 2011
Citizens National Bank of Texas September 2000 - July 2003
Skills
Property & Casualty..., Insurance, Customer Service, New Business Development, Strategic Planning, Public Speaking, Sales Management, Small Business, Health Insurance, Training, Risk Management, Sales, Disability Insurance, Team Building, Real Estate, Coaching, Microsoft Office, Account Management, Management, Umbrella Insurance, Homeowners, Term Life Insurance, Commercial Insurance, Fixed Annuities, Legal Liability, Life Insurance, Liability, Casualty, Whole Life, Employee Benefits, Renters, Professional Liability, Motorcycle, Commercial Lines, ATV, Universal Life, D&O, Long-term Care, General Insurance, Agents, Inland Marine, Workers Compensation, Flood Insurance, Long Term Care Insurance, Claim, Underwriting, Brokers, Retirement, Claims Management, Employment Practices...
Education
Eastern Oklahoma State College
First Community Bank July 2010 - Present
Franklin Bank 2004 - July 2010
Citizens National Bank of Texas October 1998 - May 2003
Skills
Accounting, Loan Servicing, Management, Portfolio Management, Banking, Coaching, Commercial Banking, Commercial Lending, Credit, Credit Analysis, Credit Risk, Finance, Financial Services, Insurance, Leadership, Loans, Mortgage Lending, Risk Management
Education
University of Phoenix 2009 — 2012
Accounting
Jamieson Manufacturing Co./Jamieson Fence Supply May 2015 - Present
Jamieson Manufacturing Co./Jamieson Fence Supply May 2013 - May 2015
North Texas Regional Orthotics and Prosthetics March 2013 - May 2013
Citizens National Bank of Texas September 2011 - June 2012
14th Street Veterinary Clinic 2012 - 2012
Midlothian Spine and Sport February 2009 - September 2009
Quitman Animal Clinic May 2003 - February 2009
Skills
Team Building, Purchasing, Customer Service, Leadership, Microsoft Office, Inventory Management, Account Management, Organized Multi-tasker, Sales, Contract Negotiation, Goal Oriented, Order Processing, Inventory Analysis, Communicative Skills, Organization &..., Team-oriented, Highly self-motivated, Highly Dedicated, Dependable Team Player, Self-driven, Highly detail oriented, excellent writing skills, Dedicated, Budgets, New Business Development, Strategic Planning, Sales Operations, Negotiation, Sales Management
Education
Tarleton State University 2013 — 2015
Master of Science (M.S.), Management and Leadership, 3.857/4.0
Tarleton State University 2009 — 2013
Bachelor of Business Administration (B.B.A.), Interdisciplinary Business/Management, 3.5/4.0
AT&T April 2014 - Present
First National Bank Texas January 2013 - April 2014
Citizens National Bank of Texas June 2009 - August 2011
Skills
Direct Sales, Banking, Customer Service, Microsoft Excel, Team Building, Management, Cross Selling, Computer Proficiency, Operational Streamlining, Team Leadership, Problem Solving, Sales, Call Centers
Education
Sam Houston State University 2013 — 2017
Construction Management minor in Safety, Construction Management, Junior
Fiserv March 2011 - April 2014
Grand Homes July 2010 - March 2011
Payne Fence Products/Betafence USA April 2009 - July 2010
Snider Advisors August 2008 - March 2009
Citizens National Bank of Texas March 2006 - August 2008
CoNetrix July 2005 - March 2006
Citizens National Bank of Texas May 2002 - July 2005
Arthur Andersen June 2001 - June 2002
Skills
Active Directory, Windows Server, Microsoft Exchange, VMware, Network Administration, VPN, Disaster Recovery, Cisco Technologies, Windows 7, Servers, Firewalls, IIS, Microsoft SQL Server, Backup Exec, Blackberry Enterprise..., Windows, Microsoft Certified..., Networking, Software Installation, Antivirus, Troubleshooting, Group Policy, Storage Area Networks, VoIP, Cluster, DNS, VMware ESX, Virtualization, System Deployment, XP, Computer Security, Citrix, Network Security, Blackberry, System Administration, Operating Systems, Enterprise Software, Wireless, IT Management, Security, SharePoint, ITIL, Information Technology, Web Applications, Integration, Information Security, Enterprise Architecture, Cloud Computing, Visio, IT Strategy
Education
Texas Tech University 1998 — 2001
Bachelor of Business Administration (BBA), Management Information Systems
Texas Tech University - Rawls College of Business 1998 — 2001
BBA, Management Information Systems
Citizens National Bank of Texas January 2015 - Present
Citizens National Bank of Texas 2007 - December 2014
Citizens National Bank of Texas 2005 - 2007
Citizens National Bank of Texas 2002 - 2005
Skills
Banking, Credit, Financial Analysis, Project Management, Commercial Lending, Credit Analysis, Sales Management, Customer Service, Commercial Banking, Loans, Portfolio Management, Coaching, Analysis, Microsoft Excel, Small Business Lending, Team Building, Risk Management, Management, Consumer Lending, Mortgage Lending, Retail Banking, Credit Risk, AML, Financial Risk, Loan Origination, Mortgage Banking, Asset Management, Financial Institutions, Internet Banking, Operational Risk, Core Banking, Deposits, Debit Cards, Branch Banking, Credit Cards, Financial Services, Finance
Education
SW Graduate School of Banking - Southern Methodist University 2007 — 2009
Texas Tech University - Rawls College of Business 1997 — 2000
Citizens National Bank of Texas August 2001 - Present
First American Bank December 2000 - August 2001
Compass Bank June 1999 - December 2000
NationsBank, NA July 1997 - August 1998
Skills
Loans, Credit, Commercial Lending, Portfolio Management, Banking, Financial Analysis, Credit Analysis, Commercial Banking, Mortgage Lending, Sales Management, Small Business Lending, Coaching, Team Building, Management, Risk Management, Credit Risk, Consumer Lending, Investments, Loan Origination, Financial Risk, Retail Banking, Asset Management, Securities, Underwriting, FHA, Cash Management, Wealth Management, Small Business, AML, Strategic Financial..., Finance, Financial Institutions, Real Estate, Real Estate Economics, Executive Management, Due Diligence, Mortgage Banking, Capital Markets, Commercial Mortgages, Branch Banking, Retirement Planning, Mergers & Acquisitions, Operational Risk, Financial Modeling, Deposits, Treasury Management, Lines Of Credit, Cash Flow Lending, Financial Structuring, Private Banking
Education
Southwestern Graduate School of Banking 2002 — 2004
Southern Methodist University - Cox School of Business
Baylor University 1994 — 1997
Bachelor of Business Administration (B.B.A.), Financial Services and Planning
Roscoe State Bank in Bastrop June 2014 - Present
Lockhart Independent School District May 2012 - November 2014
First-Lockhart National Bank October 2007 - May 2014
Citizens National Bank of Texas February 2002 - October 2007
American State Bank June 1997 - February 2002
United Bank & Trust of Abilene December 1995 - June 1997
West Central Texas Council of Governments July 1992 - December 1995
Hendrick Medical Center June 1985 - June 1992
Skills
Loans, Commercial Lending, Banking, Credit, Team Building, Sales Management, Commercial Banking, Coaching, Management, Real Estate, Financial Analysis, Strategic Planning, Technology, Emerging Trends, Economic Development, Community Development, Mortgage Lending, Risk Management, Portfolio Management, Credit Analysis, Consumer Lending, Mortgage Banking, Investments, Commercial Real Estate, Retail Banking, Financial Risk, AML, Business Development, Credit Risk, Asset Management, Small Business, Underwriting, Small Business Lending, SBA, Wealth Management, Cash Management, Residential Mortgages, Financial Services, Finance, Loan Origination, Leadership, Budgets, Marketing, Executive Management, New Business Development
Education
Graduate School of Banking at Colorado 2003 — 2005
Bank Management
Hardin-Simmons University 1982 — 1987
BBA, Computer Science
Abilene High School 1979 — 1982
Capital One January 2009 - Present
Citizens National Bank of Texas December 2007 - December 2008
National City Bank April 2007 - December 2008
Accredited Home Lenders March 2002 - April 2007
Skills
Process Improvement, Training, Instructional Design, Change Management, Team Building, Organizational..., Management, Project Management, Coaching, Strategic Planning, Performance Management, Process Management, Operations Management, Business Analysis, Program Management, Leadership, Microsoft Excel, Banking, Public Speaking, Strategy
Education
University of Phoenix 2002 — 2004
MAOM, Organizational Management
The University of Texas at Arlington 1998 — 2001
Bachelor's Degree, Communication & Business Administration
Community National Bank January 2002 - Present
Community National Bank January 2002 - January 2011
Citizens National Bank of Texas June 1983 - January 2001
Skills
Small Business, Investments, Commercial Lending
Education
University of Houston 1976 — 1980
Citizens National Bank of Texas February 2006 - Present
Skills
Strategic Planning, Marketing, Marketing Strategy, Banking, Social Media Marketing, Public Relations, Team Building, Event Management, Customer Service, Financial Analysis, Marketing Communications, Portfolio Management, Advertising, Event Planning, Copywriting, Email Marketing, Social Media, Project Management, Loans, Management, Sales, Budgets, New Business Development, Small Business Lending, Coaching, Credit Analysis, Sales Management, Real Estate, Public Speaking, Microsoft Office, PowerPoint, Social Networking, Microsoft Excel, Leadership Development, Mortgage Lending, Leadership, Microsoft Word
Education
Baylor University 1995 — 1999
Community National Bank Chairman of the Board and CEOCommunity National Bank2002 - Present
Citizens National Bank of Texas June 1983 - January 2002
Education
University of Houston 1976 — 1980
Accounting
Eagle Bank January 2013 - Present
Citizens National Bank of Texas August 2002 - January 2013
Compass Bank January 2000 - August 2002
Skills
Loans, Small Business Lending, Credit, Commercial Lending, Banking, Consumer Lending, Commercial Banking, Credit Analysis, Loan Origination, Retail Banking, Credit Risk, Portfolio Management, Financial Analysis, Financial Risk, Team Building
Education
Southwestern Graduate School of Banking 1994 — 1995
Graduate, Banking and Financial Support Services
Texas A&M University 1981 — 1987
Master's degree, Physiology, General
Poarch Properties LLC January 2005 - Present
Citizens National Bank of Texas 2012 - February 2014
Oma's Jiffy Burger April 2000 - March 2012
Skills
Sales Management, Real Estate, Construction, Foreclosures, Short Sales, Sales, Sellers, First Time Home Buyers, Real Estate Development, FHA, Customer Service, Residential Homes, Investment Properties, Real Estate Transactions, Mortgage Lending, Team Building, Real Estate Economics, Budgets, Single Family Homes, Brokerage, Strategic Planning, Contract Negotiation, Property Management, New Business Development, Loans, Mortgage Banking, Buyer Representation, Investors, Loan Origination, REO, Relocation, Small Business
Education
Texas A&M University-Commerce 2010 — 2014
Bachelor's degree, Social Sciences
Navarro College 2008 — 2009
Associate of Arts (AA)
Citizens National Bank of Texas July 2008 - Present
Citizens National Bank September 1999 - August 2002
Consolidated Data Services June 1995 - October 1999
Education
Stephen F. Austin State University
Double Eagle Construction, Inc. August 2011 - Present
Citizens National Bank of Texas July 2010 - August 2011
Regent & Associates June 2007 - March 2008
University of Houston 2008 - 2008
University of Houston August 2002 - December 2002
Skills
Pianist, Creative Writing, Procurement, Management, Forecasting, Portfolio Management, Proposal Writing, Risk Management, Concrete, Cash Flow, Operations Management, Purchasing, Business Planning, Pricing, Customer Service, Contract Negotiation, Executive Management
Education
University of Houston 2001 — 2008
BBA, Finance, Spanish
Kandekreations IT associateLiberty BankJanuary 2011 - March 2011
North Crowley H.S. May 2008 - March 2011
Citizens National Bank of Texas April 2009 - May 2009
Education
CCI - Technical institute 2011 — 2011
CCNA, A+, Network+
University of North Texas 2010 — 2011
Bachelors, English and History with emphasis on education
CITIZENS NATIONAL BANK OF TEXAS 2011 - Present
Skills
First Time Home Buyers, Real Estate, Loans, FHA, Mortgage Lending, Credit, Commercial Lending, Customer Service, Loan Origination, Mortgage Banking, Residential Homes, Banking, Credit Analysis, Consumer Lending, Team Building
Education
University of Louisiana at Monroe
Bachelor of Business Administration (BBA)
Citizens National Bank of Texas July 2002 - Present
Skills
Loans, Credit, Banking, Small Business Lending, Commercial Banking, Credit Analysis, Commercial Lending, Loan Origination, Retail Banking, Consumer Lending, Mortgage Lending, Mortgage Banking, Credit Risk, Financial Risk, AML
Education
SW Graduate School of Banking 2011 — 2013
The University of Texas at Arlington 2002 — 2005
Bachelor of Arts (BA), Accounting
Citizens National Bank of Texas 2005 - 2013
NASCO 2000 - 2003
Skills
Communication Skills, Public Speaking, Sales Management, Collections, Business Decision Making
Education
Navarro College 2011 — 2014
Associate of Arts and Sciences (A.A.S.), Business Administration and Management, General
Citizens National Bank of Texas
Skills
Banking, Financial Analysis, Portfolio Management, Risk Management, Credit, Finance, Credit Analysis, Credit Risk, Financial Risk
Education
Texas A&M University 2010 — 2014
Agribusiness