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Harmony Bank is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.

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Digital Banking Manager

Job Summary
The Digital Banking Manager is responsible for overseeing the bank’s digital banking services, ensuring seamless delivery of online and mobile banking solutions to customers. This role involves managing digital platforms, enhancing customer experience, ensuring compliance with banking regulations, and leading team members to provide exceptional support for our digital services.

Key Responsibilities:

  • Oversee daily operations of digital banking platforms, including online banking, mobile banking, bill pay, and other related services. Ensure systems are operational, secure, and updated to meet customer needs.
  • Provide expertise and support to customers with digital banking needs, including troubleshooting and resolving issues related to hardware and software. Ensure a remarkable customer experience in digital channels.
  • Implement new digital banking products and digital service delivery such as digital account opening, test, and provide post-implementation support. Recommend product and service upgrades and enhancements to meet competitive standards.
  • Develop bank staff to support digital banking services. Foster a culture of continuous learning and improvement, ensuring the team is knowledgeable about current digital banking products and services.
  • Ensure compliance with all bank policies, procedures, and state and federal banking regulations. Balance risk to the bank while maintaining high levels of customer service.
  • Prepare and analyze reports related to digital banking operations. Monitor product usage, system operation, and customer feedback to inform strategic decisions.
  • Work closely with senior management and other department managers to maintain policies, implement new solutions, and participate in strategic planning for digital implementations.
  • Demonstrate all Harmony Bank Core Values

Education and Experience:

  • Extensive background in digital services or cash management within the banking industry.
  • In-depth knowledge of digital banking platforms and technologies.
  • Excellent problem-solving and decision-making abilities.
  • Strong understanding of banking regulations and compliance requirements.
  • Effective communication and interpersonal skills.

Physical Requirements:

  • Must be able to lift 15 pounds at times. 
  • Prolonged periods of sitting at a desk and working on a computer.

Benefits:

  • 401(k) matching
  • Dental insurance
  • Employee assistance program
  • Health insurance
  • Health savings account
  • Life insurance
  • Paid time off
  • Vision insurance

Harmony Bank is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.

Credit Analyst

Job Summary
The credit analyst analyzes financial information and assesses the creditworthiness of commercial clients, including corporations, small businesses, and entrepreneurs.

Key Responsibilities:

  • Analyze financial statements, cash flow statements, and other relevant financial information of potential and existing commercial clients.
  • Coordinate credit approval process, including but not limited to processing credit applications and initiating inquiries into customers’ bank and trade references.
  • Assess potential customers' creditworthiness, including establishing payment terms and credit limits; handle special credit arrangements and deviations from standard payment terms.
  • Evaluate and monitor clients' creditworthiness based on financial ratios, credit scores, industry trends, and other factors.
  • Prepare credit risk assessments and make recommendations on credit approvals, modifications, or rejections.
  • Determine the expected profitability of loans by analyzing a business’s financial data, including quality of management, income growth, and market shares.
  • Provide guidance and support to loan officers and other staff members in making credit decisions.
  • Identify delinquent accounts through the review of individual or commercial customer files.
  • Maintain knowledge of credit reporting guidelines.
  • Perform other related duties as assigned.

 Required Skills/Qualifications:

  • Strong analytical skills with the ability to interpret financial statements and data.
  • Excellent communication skills, both written and verbal, with the ability to present complex financial information to non-financial stakeholders.
  • Familiarity with financial analysis software and credit scoring models.
  • Detail-oriented and able to manage multiple tasks simultaneously.
  • Proficient in Microsoft Office, especially Excel.
  • Strong interpersonal skills.
  • Good judgment with the ability to make timely and sound decisions
  • Working knowledge of data collection, data analysis, evaluation, and the scientific method.
  • Demonstrate all Harmony Bank Core Values

Education and Experience:

  • A bachelor's degree in Business, Finance, or related field.

Physical Requirements:

  • Must be able to lift up to 15 pounds at times. 
  • Prolonged periods of sitting at a desk and working on a computer.

Position Type and Schedule:

  • Full-time
  • On-site
  • 8-hour shift
  • Monday through Friday

Harmony Bank is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.

Commercial Loan Processing Specialist

Job Summary
The Commercial Loan Processing Specialist is responsible for efficiently processing, closing, and servicing commercial loan transactions. This role ensures that all loan documentation is accurate, complies with regulatory requirements, and is completed on time. The specialist will work closely with loan officers, underwriters, and customers to facilitate smooth loan processing and provide exceptional customer service throughout the loan lifecycle.

Key Responsibilities:

  • Prepare and review commercial loan documents, including promissory notes, security agreements, and loan modifications, ensuring accuracy and compliance with legal, regulatory, and company standards.
  • Manage the entire loan process from application to closing, ensuring timely and accurate submission of all required documentation.
  • Work closely with loan officers, underwriters, credit analysts, and customers to collect and verify information, resolve discrepancies, and facilitate loan closings.
  • Ensure all loan files meet regulatory compliance standards (e.g., federal, state, and local regulations, including RESPA, HMDA, and ECOA) and bank policies.
  • Respond to inquiries, address concerns, and keep customers informed throughout the loan process to provide exceptional customer service.
  • Input loan data into the bank’s loan operating system, maintain accurate loan files and update tracking systems to monitor loan status efficiently.
  • Identify and address issues that arise during the loan process, ensuring that potential problems are communicated to the appropriate parties and resolved promptly.
  • Generate and review reports related to loan processing activities, including status updates and compliance tracking.
  • Maintain detailed, organized, and compliant loan files in both physical and electronic formats for audit and review purposes.

Required Skills/Qualifications:

  • Strong attention to detail and organizational skills.
  • Excellent verbal and written communication abilities.
  • Proficiency with loan operating systems and Microsoft Office Suite (Word, Excel, Outlook).
  • Ability to work independently, manage time effectively, and handle multiple tasks in a fast-paced environment.
  • Familiarity with lending regulations, including RESPA, ECOA, HMDA, and other banking industry rules.
  • Ability to handle sensitive customer information and inquiries with professionalism and discretion.
  • Demonstrate all Harmony Bank Core Values

Education and Experience:

  • High school diploma or equivalent required; an associate or bachelor’s degree in finance, business administration, or related field preferred.
  • 2-3 years of experience in commercial loan processing, loan operations, or a related field within a banking or financial services environment.
  • Understanding of commercial lending processes, loan documentation requirements, and applicable regulatory guidelines.

Physical Requirements:

  • Must be able to lift up to 15 pounds at times. 
  • Prolonged periods of sitting at a desk and working on a computer.
  • This position operates in an office environment, with occasional need to work extended hours to meet deadlines.

Position Type and Schedule:

  • Full-time
  • On-site, Garland Branch
  • 8-hour shift
  • Monday through Friday

Harmony Bank is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.

Mortgage Loan Processing Specialist

Job Summary:
The Property Appraiser is responsible for conducting appraisals of commercial and residential properties to determine their market value for loan purposes. This role includes preparing detailed appraisal reports in compliance with federal and state regulations, bank policies, and industry standards. The Property Appraiser works closely with loan officers, underwriters, and clients to ensure accurate property valuations that support the bank’s lending decisions. This position requires expertise in both commercial and residential real estate markets, as well as a thorough understanding of appraisal techniques, methodologies, and regulations.

Key Responsibilities:

  • Conduct thorough appraisals of commercial and residential properties, evaluating various factors, including location, market conditions, property size, improvements, and comparable sales.
  • Ensure appraisals are accurate, unbiased, and completed in a timely manner.
  • Prepare comprehensive appraisal reports for submission to loan officers and underwriters, including narrative descriptions, photos, and supporting documents.
  • Ensure all reports comply with the Uniform Standards of Professional Appraisal Practice (USPAP) and other applicable regulations.
  • Perform detailed market analysis, including reviewing comparable sales, rental data, market trends, and economic factors to provide a well-supported opinion of the property’s value.
  • Stay informed about local and regional real estate markets.
  • Ensure that all appraisals are conducted in compliance with bank policies, as well as federal and state regulations (e.g., FIRREA, Dodd-Frank Act).
  • Maintain current knowledge of real estate laws and appraisal regulations to mitigate risk and maintain compliance.
  • Work closely with loan officers, credit analysts, and underwriters to provide accurate property valuations that support lending decisions.
  • Answer questions and provide insights regarding the appraisal process, assumptions, and final valuation.
  • Conduct physical inspections of commercial and residential properties to assess condition, quality of construction, and any other factors that may influence value.
  • Review blueprints, plans, and permits when applicable for new constructions.
  • Identify any potential risks related to the property valuation, including market volatility, zoning restrictions, environmental concerns, or property condition.
  • Communicate risks and recommend mitigation strategies when necessary.
  • Review third-party appraisal reports for accuracy, consistency, and compliance.
  • Make recommendations to internal stakeholders regarding the acceptability of external appraisals.
  • Ensure appraiser licensure is up to date and maintain continuing education requirements as mandated by the Appraisal Qualifications Board (AQB) or state licensing board.
  • Communicate appraisal findings to borrowers, lending staff, and other stakeholders.
  • Answer questions related to the appraisal report and provide professional explanations when necessary.

Required Skills/Qualifications:

  • Strong understanding of appraisal methodologies for both commercial and residential real estate.
  • Knowledge of real estate markets, zoning laws, construction standards, and valuation techniques. Familiarity with federal and state regulations affecting property appraisals.
  • Excellent analytical and problem-solving skills.
  • Strong written and verbal communication skills.
  • Ability to work independently and manage multiple appraisals concurrently.
  • Proficiency in appraisal software (e.g., ACI, Total, Argus) and Microsoft Office.
  • Strong attention to detail and organizational skills.
  • State certification as a Certified General or Certified Residential Appraiser is required. 
  • Compliance with USPAP standards and ongoing licensure requirements.
  • Thorough understanding of FIRREA, USPAP, and other regulations impacting property appraisals for federally regulated financial institutions.
  • Demonstrate all Harmony Bank Core Values

Education and Experience:

  • Bachelor’s degree in Real Estate, Finance, or related field preferred.
  • Appraisal certifications required, including state certification as a Certified Residential or Certified General Appraiser.
  • Minimum of 3-5 years of experience in appraising both commercial and residential properties. Experience in banking or financial services is preferred.
  • Experience with income-producing properties, retail, office buildings, and multi-family complexes is a plus.

Physical Requirements:

  • Must be able to lift up to 15 pounds at times. 

Position Type and Schedule:

  • Full-time
  • On-site, Mortgage Street Branch in Kemp, TX
  • Work will primarily be conducted in an office but will involve site visits to commercial and residential properties.

Harmony Bank is an equal opportunity employer. Qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as protected veterans.