Happy State Bank

Founded in 1908 as First State Bank, Happy, Texas, the bank operated solely in that community during its first 81 years.  In 1990, J. Pat Hickman, Chairman and CEO led a group of investors in forming Happy Bancshares, Inc. as they purchased the bank.  The generically named First State Bank changed its name to the unforgettable HAPPY STATE BANK in 2002.

In 1990, the bank had six employees overseeing just over $10 million in total assets.  Out of the 880 banks in Texas, Happy ranked #812 in asset size.  Today the $3.8 billion bank operates 43 locations, including GoldStar Trust Company, in 32 communities with over 700 employees and is spread throughout the Texas Panhandle, South Plains and Dallas/Fort Worth Metroplex. Of the 475 banks operating in our state today, HAPPY STATE BANK is the 21st largest.

The bank has been recognized several times by Bauer Financial, Inc. for its capital strength, loan quality and profitability.  For six consecutive years (2014-2019) the bank has been named one of the Best Banks to Work For in the USA by the American Banker newspaper.  In 2015, the Independent Community Bankers Association noted that the bank was the 14th fastest growing community bank in the nation over a 20 year (1995-2015) period of time.

The bank has been recognized in several national and state-wide publications for its unique corporate culture.   The Happy Bank has won many awards and recognition (including from the United States Treasury Department) for financial literacy training via its “Kid’s Bank” program, now in 34 elementary schools.  It received the Torch Award from the Better Business Bureau for its outstanding ethical business standards.  And known as a top-notch corporate citizen, the bank has been named, through local newspaper polls, as the “BEST BANK” in several of the communities it serves.

Happy State Bank Texas, USA
Oct 14, 2020
Summary Responsible for performing a variety of duties primarily relating to the daily Mail servicing at HSB and ensuring all interoffice mail is received, sorted and sent to the appropriate branches. This position will also perform various duties in the Items Processing Department as needed. Essential Duties Ensures the correct delivery and shipping of all incoming mail from USPS, UPS, PPS & Fed Ex Daily; Sorts and delivers all incoming interoffice mail that is delivered daily; Packages and sends out all interoffice mail daily; Logs and performs address changes for returned mail on the core banking system; Provides back up support for the Items Processing Department; Processes all work as it is captured by branch personnel, merchants, ATM's, and Mobile Capture; Processes all electronic cash letters, both incoming and outgoing; Processes daily EFT files; Performs nightly updates to the bank as needed; Answers incoming branch phone calls as...
Happy State Bank Texas, USA
Oct 14, 2020
Summary Responsible for supporting the bank and customers with all inquiries; including but not limited to: Account Services, Electronic Banking, Items Processing, ACH, Wire Transfer, ATM/Debit Card, Fraud, Treasury Management, Loan Administration, and Technical support where deadlines require timely and accurate support. In addition, the specialist will train clients on the various products and services, be involved in the daily operations of the department, review the system, and process the applicable correspondence of the bank. Essential Duties and Responsibilities Provide customer service for a large volume of incoming calls; Provide professional support to customers and internal branches; Provide exceptional customer service by providing problem resolution while minimizing transfer/hold time; Provide essential communication to employees as a subject matter expert over a variety of topics; Learn and retain knowledge of branch operating procedures and...
Happy State Bank Texas, USA
Oct 08, 2020
Summary Responsible for providing direction, leadership and oversight for the bank's Credit Administration, Credit Analysis and Real Estate Appraisal departments. Also provides direction for credit risk management, written loan policy, sound underwriting guidelines, comprehensive financial analysis, adequate appraisal techniques as well as sound loan documentation practices and internal controls. Essential Duties and Responsibilities include oversight and administration for the following: Reviews and analyzes lending transactions and credit assessment of borrowers; Provides recommendations and opinions regarding requested credit and potential risks; Provides analysis of loan originations and approval process for compliance with policy and procedure; Maintains adequacy of bank's credit, technical and policy exception system; Maintains accuracy of Risk Ratings for loan portfolio; Management information systems; Monitors portfolio segmentation and risk...
Happy State Bank Texas, USA
Oct 02, 2020
Summary: This position is responsible for reviewing loan documentation, funding and daily operational activity for non-consumer loan transactions, including commercial loans, real estate loans as well as the overall closing process. Essential Duties and Responsibilities include the following: Provide outstanding customer service to internal and external customers displaying positive attitude at all times; Process loan closings, advances, payments, and maintenance items together with all other operational transactions, as well as renewal and loan modifications on an on-going basis; Ensure adherence to loan policies and regulatory requirements prior to disbursements, follow-up requirements and documentation; Participate in all required HSB training; Assist in training new staff and assist co-workers when needed; Maintain current knowledge of all internal policies, procedures and training as well as external legislature and regulations; Act as liaison between front...
Happy State Bank Texas, USA
Sep 26, 2020
Summary Responsible for researching, preparing, organizing, and conducting training programs on various topics for employees of all levels, and working in conjunction with the mortgage management team to identify training needs, developing curriculum to deliver courses as warranted. Essential Duties and Responsibilities include the following: Develops curriculum for new training programs as well as reviews, evaluates, and modifies existing curriculum as needed; Plays a key role in the successful implementation of new mortgage products, procedures, and software by developing, coordinating, and presenting relevant training, as well as working closely with management during the phases of planning and implementation; Conducts multiple training classes on an ongoing and frequent basis; Performs advanced formatting functions using Microsoft Office and other programs as needed; Prepares training resources including the use of Word and Power Point as well as printing,...
Happy State Bank Texas, USA
Sep 26, 2020
Summary: Provides administrative, customer service, and operational support to the Mortgage department regarding products and services. Essential Duties and Responsibilities include the following: Assists with Closings in scanning, documenting, and completing file for shipping; Assists with Shipping delivery, scanning, and purchase of the loan on the secondary market; Assists with Shipping with the completion of Portfolio loan to internal banking partners; Assists the Service Desk with timely receipt of Appraisals, Title Policies, Home Owners Insurance and various documents; Assists with secretarial support to the Senior Vice President of Mortgage and the VP Mortgage Operations Manager as needed or in the absence of the Mortgage Administrative Assistant; Assists with the preparation of reports and correspondence to regulators, as needed; Assists with preparing and providing all pertinent reports for review, as needed; Create letters and bank-related documents,...
Happy State Bank Texas, USA
Sep 26, 2020
Summary: Responsible for all processes and procedures that pertain to closing, funding and loan review. Essential Duties and Responsibilities: Prepare Loans for closing and funding in accordance with all industry standards, investor guidelines, HSB policies and procedures, and State and Federal regulations; Coordinate fulfillment of loans on the Meridian and/or Encompass System; Coordinate with title companies to ensure appropriate preparation for closings are established; Work with legal counsel to obtain documents required to fulfill loan closing procedures; Review and submit billing statements for payment; Prepare and post interim construction draw requests; Assist when necessary the preparation of loans for submission to secondary investors; Assist when necessary the transfer of portfolio loan files to Loan Administration Dept.; and Other work related duties as assigned. Qualifications: To perform this job successfully, an individual must be able to...
Happy State Bank Texas, USA
Sep 25, 2020
Summary: Responsible for providing professional, courteous and efficient customer service to the bank's cash management customers. Works directly with the cash management account manager to ensure proper customer set-up on the system, resolves customer issues timely, and maintains a vast knowledge of all Happy State Bank products and services. Essential Duties and Responsibilities include the following: Provides superior customer service to clients in a timely fashion and ensures follow-up is completed; Ensures complete customer set up and implementation of all cash management services listed in the cash management contract; Communicates with clients or their designees regarding testing, training on cash management products and file format changes needed; Performs installation and testing while providing ongoing support for the remote deposit capture portal, ACH Services, and Positive Pay; Manages KPIs (Key Performance Indicators) to ensure quality, great...
Happy State Bank Texas, USA
Sep 18, 2020
Summary: Mortgage Underwriter provides quality loans for the company by underwriting and evaluating mortgage loan applications. Essential Duties and Responsibilities include the following: Evaluates loan risky verifying loan application information; verifying application information against loan criteria guidelines and standards; Reviews and verifies all items provided by the borrowers and ensures that they meet the FNMA, FHLMC, FHA, VA and Investor required guidelines; Ensures that all investor guidelines as well as Federal guidelines are met; Underwrites loan files that fall out of the automated project plan; Work is performed for most complex assignments; Clarifies risk by requesting additional information; Provides information by answering questions; responding to requests; Maintains customer confidence by keeping application information confidential; Provides loan control information by collecting, analyzing and summarizing data and trends; Reviews...
Happy State Bank Texas, USA
Sep 18, 2020
Summary: Responsible for lead and direct the cash management team and related depository services to ensure effective and efficient growth in sales and delivery of cash management products and depository services to our external customers. Essential Duties and Responsibilities include the following: Develop strategic plan for growth and delivery of cash management products and services to increase non-interest income, grow deposits, improve retention and reduce risk for the bank; Oversee implementation and communication of cash management policies and procedures, assuring compliance with applicable laws and regulations pertaining to the non-lending business aspects of the bank, while mitigating risk and reducing exposure to fraud loss; Monitor all external delivery of business depository and cash management services as a basis for changes or improvements to increase efficiency, reduce costs, or improve the level of service provided to internal and external...
Happy State Bank Texas, USA
Sep 18, 2020
Summary: This position is responsible for the collection and evaluation of all information reflected on a residential mortgage loan applications. Verify, through outside sources, the validity of the information, calculate debt-to-income and loan-to-value ratios and assemble a completely documented file for submission to underwriting. Essential Duties and Responsibilities: Maintain an open line of communication with the applicant throughout the processing period, assisting them with any questions and notifying them of any additional required information; Manage and maintain record of all loans in process in accordance to HMDA guidelines and HSB policies & procedures; Coordinate with mortgage loan originators the proper communication and time management needed to ensure deadlines are met according to HSB loan processing procedures; Open files: review credit reports and order appraisals, send out verification forms and conduct regular follow-up with outside sources...