FOUNDED 1889
The official publication of the Mississippi Bankers Association Rachel Chew • Editor
OFFICERS
Volume 100 • Number 2 • September/October 2015
Chairman George Marx, Hazlehurst Vice Chairman Frank Sibley, Marks Treasurer Jerry Host, Jackson President McKinley W. Deaver, Jackson
BOARD OF DIRECTORS Terms Expiring 2016 Johnny Barrett, Oxford Robert Gage, Port Gibson Buddy Mortimer, Kilmichael Art Stevens, Jackson Terms Expiring 2017 Dennis Ammann, Mendenhall Greg Cronin, Biloxi Bobby Steinriede, Hollandale Mitch Waycaster, Tupelo James Wicker, McComb Terms Expiring 2018 Hoppy Cole, Hattiesburg Arthur DuCote, Jackson Michael Dudley, DeKalb Moak Griffin, Columbus John Neville, Ridgeland Frank West, Batesville Ex-Officio Members George Marx, Chairman, Hazlehurst Frank Sibley, Vice Chairman, Marks Jerry Host, Treasurer, Jackson Freddie Bagley, Retiring Chairman, Brandon Odean Busby, Preceding Chairman, Magee
STAFF President ............................... McKinley W. Deaver Senior V.P., Operations .........................Amy Davis V.P., Government Relations .......... Gordon Fellows Programs Manager ...........................Lori Richardson Marketing Manager ....................... Brooke McCoy Business Manager................................... Gail Sykes Manager of Insurance Services .........Sherell Taylor Manager of Communications ............ Rachel Chew
YOUNG BANKERS SECTION President. ..................Parker England, Greenville Vice President. .........Kent Mortimer, Kilmichael Treasurer .......................Wes Rouse, Hattiesburg
Features MBA Communications Conference ........................................... 8 Bankers gain insight into emerging trends in banking
Steering clear of UDAAP............................................................ 9 Steps to avoid accidental violations
MYB hosts Leadership Conference, Golf Tournament .........12-13 Annual events promote consumer education, support scholarships
“A Banker in Every Classroom” ...........................................14-15 MBA’s 5th Annual “A Banker in Every Classroom” set November 2-6
MBA Standing Committees ................................................16-19 Bankers named to serve in 2015-16
MBA 40-Year Club Members ..............................................20-21 Bankers recognized for years of service
Departments From the President .................................................................................................2 Around the State ................................................................................................ 3-4 Good Neighbors................................................................................................. 6-7 Calendar ..............................................................................................................23 Bankers on the Move ...................................................................................... 24-26 Classified Ads ................................................................................................. 27-28 The Mississippi Banker (ISSN 0026-6159) is published bi-monthly for $25.00 per year or $5.00 per issue by the Mississippi Bankers Association, 640 North State Street, Jackson, MS 39202. Phone (601) 9486366. Periodicals Postage paid in Jackson, Mississippi. POSTMASTER: Send address changes to The Mississippi Banker, P. O. Box 37, Jackson, MS 39205-0037. The corporation is not responsible for opinions expressed and statements made by the contributors of articles published in The Mississippi Banker excepting official announcements. Printed By Hederman Brothers, Ridgeland, MS
SEPTEMBER/OCTOBER 2015
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From the President
THE MISSISSIPPI BANKER
Advocacy 101
Chapter One: Elections By Mac Deaver, MBA President These days, it seems there is no end to government action affecting traditional banks. As soon as you adjust to one regulatory mandate or restriction, you hear about “the next thing.” And the regulator y Deaver hoop-jumping often has little or nothing to do with running a safe and successful bank or serving your customers. One thing we should always remember: Every regulation that banks face had its beginning in the legislative process. Any rule promulgated is done so under statutory authority granted by the U.S. Congress or the State Legislature. Even the regulatory agencies themselves were created by legislation! This is why the political process is so important to the Mississippi Bankers Association and its member banks. Always has been; always will be. The impetus for establishing the MBA was a desire by Mississippi bankers to be “at the table” when policy decisions affecting banking are being made. From day one – May 21, 1889 – a major part of our association’s mission has been to serve as the voice of banking in government affairs. The MBA’s organizers’ first action was to approve a “declaration” stating the primary purposes of the association, including “to secure the proper consideration of questions regarding financial and commercial usages, customs and laws which affect the banking interests of the entire State.” The MBA leadership and staff work every day to fulfill this most critical mission. In dealing with specific proposals affecting banking practices and regulation, we find ourselves playing a lot of defense – working to avoid that “next thing” or, at least, make it as workable as possible. But our mission is much broader than just 2
responding to proposals on bank-specific laws and regulations. We continuously monitor legislative and regulatory proposals that stand to impact the economy and business environment in Mississippi. This involvement is rooted in a simple fact: Mississippi banks succeed when their customers and communities prosper. The word that describes this aspect of MBA activity is “advocacy” – which is defined as “the public support for or recommendation of a particular cause or policy.” While the dictionary definition sounds simple and straightforward, there are many factors that go into being an effective advocate. For instance, the MBA cannot be successful by simply showing up and stating our views when an important decision is being debated in Jackson or Washington. To achieve positive results, we must lay the groundwork (and do our homework) long before action is being considered. We must stay abreast of issues
Every rule or regulation that banks face had its beginning in the legislative process. under consideration and educate ourselves on them. We must develop sound positions based on input from our member banks, and assemble information and formulate arguments in support of our positions. We must have a strategy and method for making our case to legislators. But, for all of this to work as it should, we need to first elect qualified legislators and have positive relationships with them. Thus, effective advocacy begins with the political process. On November 3, Mississippi, voters will elect state, county and legislative officials, including all 174 members of the State Senate and House of Representa-
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tives. Also on the general election ballot is “Initiative 42” – a proposal to amend the State Constitution regarding public education. Through the MBA-sponsored political action committee, MissBankPAC, our association is actively supporting dozens of state legislative candidates. Thanks to the involvement and input of hundreds of Mississippi banks and bankers, our participation in this year’s elections is at a record level. Additionally, MissBankPAC has given support to an effort to educate voters on Initiative 42, which proposes fundamental changes in how policy and funding decisions on public education are made in Mississippi. The MBA last month adopted a position affirming our member banks’ long-standing commitment to public education and expressing support for legislative oversight and funding of public education under the current State Constitution. Recognizing that there are thoughtful and well-meaning people on both sides of the debate, our association is working to help educate voters on what Initiative 42 would actually do if passed. Unfortunately, the political process is never-ending. And success does not come easily or quickly. But persistence does lead to positive results over time. Today, because of the MBA’s efforts, Mississippi’s elected leaders, starting with Gov. Phil Bryant, are strong supporters of a positive banking and business environment. And solid relationships with the legislative leadership – Lt. Gov. Tate Reeves and House Speaker Philip Gunn – allow our association to have input on policy discussions at the highest level. I often say that any success ever achieved by the MBA is the result of involvement by member bankers. This is especially true in the case of advocacy. Thanks to all bankers who are helping lay the groundwork for future success through involvement in this year’s election process.
Around the State
THE MISSISSIPPI BANKER
Bolanos selected as Leadership Madison County co-chair Regions Bank has announced that Danny Bolanos has been selected as co-chair for Leadership Madison County for 2015-2016. Mr. Bolanos joined Regions in 2012, and Bolanos currently serves as an Assistant Vice President, Business Banking Relationship Manager. He manages a vast portfolio of customer relationships across different industries including professional services, government contracting, manufacturing, distribution, food and beverage and transportation. Prior to joining Regions, he served as a Commercial Lending Assistant with BankPlus. Bolanos earned his Bachelor of Business Administration degree from Instituto Tecnologico de Costa Rica, and his Master of Business Administration from Belhaven University. He is a charter member of the Capital Area Sunset Rotary Club, and a member of the Latin American Business Association and Ridgeland Chamber of Commerce. He also serves as a board member of the Wellington Home Owners’ Association, a member of Broadmoor Baptist Church, and a volunteer with Habitat for Humanity.
Puckett joins Cadence Bank local advisory board A.B. Puckett IV of Columbus has joined Cadence Bank’s local advisory board for Columbus and West Point. Puckett, a native and longtime resident of Columbus, is a manager at Columbus Brick Company. “Cadence Bank has served our family and Puckett company well for more than five generations,” said Puckett. “They never fail to exceed our expectations and always go the extra mile to meet our banking needs. It’s an honor to serve on their advisory board.” Puckett joins current advisory board members: Drake Bassett, John Brady, Tim Brinkley, Paul Cade, Dr. Helen Campassi, Jack Chilcutt, Todd Davis, Tony Dunser, John “Sonny” Jameson, Dr. Germain
McConnell, Roger Pryor, Tom Ronaldi, Steve Townsend and Hilbert Williams. The board is led by the local banking leadership team of Doug Robertson, John Davis and Jimmy Abraham. According to Robertson, community bank president for Cadence Bank, Puckett’s experience will be an asset to the board. “His roots run deep in this community and his unique perspective as a business owner and member of this community will help guide the bank as we continue to help promote the continued health and growth of the area.” Puckett received his bachelor’s degree in political science from Furman University and currently serves as president for Global Connections, a non-profit in Columbus, and is chairman of the board for Blue Sky Global, a non-profit based in Atlanta.
2015 MBA Financial Management Conference
November 5-6 Register today! www.msbankers.com
The BankFirst video “Who We Are,” produced by Quest Group of Birmingham and Broadcast Media Group of Starkville, recently won a Telly Award, given for the best of film and video. “The video has served as a tremendous tool for BankFirst as we grow and enter new communities,” explained Moak Griffin, BankFirst President & CEO. Celebrating the award are (L to R) Robbie Coblentz, Broadcast Media Group; Sherry Taylor, BankFirst; Cindy Hodo, Quest Group; and Jim McAlexander, BankFirst.
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Around the State
THE MISSISSIPPI BANKER
First National Bank, Pontotoc Becomes First Choice Bank After operating for more than a century under a national charter, First National Bank of Pontotoc converted to a state charter and began operating under a new name, First Choice Bank, on June 30. In announcing the name and charter change, CEO Buddy Montgomery emphasized that the bank’s ownership, leadership and personnel would remain the same. “We’re still the same community-focused bank, with the same employees, same board of directors, same bank officers, same ownership,” he said. The bank first opened in 1900, when it began operation under a state charter. In 1908, the bank was granted a national charter and changed its name to First National Bank of Pontotoc. “We’re extremely proud of this bank’s history and heritage, and for 107 years the
national bank charter has served us well,” said Montgomery, who has been CEO for 22 years. “We are re-chartering as a state bank to better position us for strategic growth and to help us better compete in a changing banking and regulatory environment.” First Choice Bank has approximately $270 million in assets and operates two offices in Pontotoc and one in Ecru. Montgomery said the change to a state member bank would cause no inconvenience to bank customers.
Jennifer Swoope named president at BancorpSouth in West Point On August 1, Jennifer Swoope was named president of BancorpSouth in West Point. In becoming bank president, Swoope assumes leadership of a bank she visited regu- Swoope larly as a child when her grandmother worked there. Her first job was as a teller at BancorpSouth while attending Mississippi State University. After earning her degree from MSU, Swoope completed BancorpSouth’s management training program. Her entire working career has been in banking. “I never really thought about doing anything else,” says Swoope, who replaces Dwight Dyess, who recently retired from BancorpSouth. While Swoope says she enjoys many aspects of her job, such as dealing with growing competition and change in the banking business, she thrives in meeting 4
and working with people. She says forming and maintaining positive relationships with customers, employees or others in the community are keys to success. “Banking is really a people business, and at the end of the day, relationships are what matter,” Swoope says. Swoope notes that two tellers currently working at BancorpSouth, West Point, were her mentors when she first joined the bank. One of them worked with Swoope’s grandmother, who was employed by BancorpSouth for 40 years. Swoope is involved extensively in community activities. She currently serves as treasurer of West Point’s Main Street Association and as secretary of the local Rotary Club. She served the Junior Auxiliary as treasurer for several years. Also active in industry affairs, Swoope currently represents her area of the state as a member of the Executive Council of the Mississippi Bankers Association’s Mississippi Young Bankers Section.
THE MISSISSIPPI BANKER
Welcome New MBA Members
Delta Bank Natchez
Grand Bank for Savings Hattiesburg
First Bank employees Trulee Torres and Cheyenne Murphy recently participated in the City of McComb’s Annual Youth Work program. Sponsored by the MS Department of Transportation, the program provides opportunities for ten students aged 16-25 to work throughout the summer and participate in real life skill classes. Torres and Murphy led the students in an everyday banking class. Topics discussed included What is Credit, Banking Basics and How to Really Be a Millionaire.
Good Neighbors
THE MISSISSIPPI BANKER
Trustmark receives Innovation in Financial Literacy award Trustmark was honored in April with the Innovation in Financial Education Award presented by NASDAQ and EverFi, given in recognition of the bank’s efforts to improve the financial capability of young Americans. Twenty-five financial institutions from across the nation were recognized with this award at a ceremony hosted at NASDAQ’s Marketsite headquarters in New York City. Honorees were selected based on the scale and reach of their financial education initiatives, the duration of their commitment, and the level of employee volunteering activities that supplement their programs. “Trustmark believes it is our responsibility to promote sound, responsible financial management through financial literacy education programs in our
schools. With our commitment to 125 high schools across Mississippi, we are able
to achieve our vision of helping young people establish a strong foundation in financial education,” Trustmark CEO Jerry Host stated. “We are honored to receive this recognition and are proud to be among the first recipients of this award.” As young adults face increasingly complex financial decisions, Trustmark is committed to providing students with the skills and knowledge needed in order
to succeed,” Host said. Trustmark has partnered with EverFi to bring the Trustmark Financial Scholars Program to local students at no cost to schools or taxpayers and has reached students across Mississippi. The web-based program uses the latest in new media technology – simulations to bring complex financial concepts to life for today’s digital generation. “The institutions we’re recognizing here today have led exceptional efforts to rethink how financial education is taught in our nation’s schools,” said EverFi Founder and CEO Tom Davidson. “Our global competitiveness is dependent on the next generation understanding how the economy works and how to achieve financial security in their lives.”
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Good Neighbors
THE MISSISSIPPI BANKER
Trustmark Receives Corporate Social Responsibility Award Trustmark was awarded the 2014 Corporate Social Responsibility (CSR) Award, presented by the Financial Services Roundtable (FSR). The award was given to FSR member companies who demonstrated a commitment to strengthening the communities in which they serve through leadership, voluntarism, monetary contributions and promotion of financial literacy education. Trustmark, along with 22 other FSR member companies, was the recipient of this prestigious award and was recognized during a reception with the CSR Honorary Congressional Host Committee on Capitol Hill in Washington, D.C. “We realize the significance of practicing good corporate citizenship and the added value it brings to all stakeholders involved,” stated Trustmark CEO Jerry Host. “We are actively engaged
in corporate social responsibility initiatives, such as the contribution of financial resources and most importantly, thousands of volunteer hours from our associates who are devoted to supporting stability and sustainability in the communities we serve.” “On behalf of Trustmark and our associates, we are honored to be one of the recipients of this award,” Host said. Financial Services Roundtable CEO Tim Pawlenty (L) presented the Corporate Social Responsibility Leadership Award to Trustmark Director of Corporate Communications and Marketing Melanie Morgan.
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MBA Communications Conference offers insight on implementing creative marketing strategies to drive growth The MBA Communications Council and Chairman Leitha Chapman recently hosted the annual Communications Conference in Ridgeland. This year’s conference theme was “Mapping Out Your Marketing Strategy.” Bankers from across the state attended the two-day conference to gain insight on implementing creative marketing strategies for their banks to drive growth. The conference agenda included speakers from NCR and Shazam, as well as leadership author and top-rated keynote speaker Brian Townley. Conference attendees enjoyed a special event at the Farmer’s Table Cooking School in the historic Town of Livingston, where Executive Chef Matthew Sheeter offered a unique farm to table culinary experience. Econochek Corporation and Deluxe Strategic Sourcing were sponsors. Deluxe Strategic Sourcing and SHAZAM exhibited at the conference. Conference participants were given the opportunity
to network with exhibitors during conference breaks. The MBA Communications Council wishes to thank these MBA Program Partners for their sponsorship of the 2015 Communications Conference: Alexander Thompson Arnold; BKD;Silas Simmons; Stockett & Thomas; and Watkins & Eager.
ABOVE: Exhibitor Suzy Hogle of Deluxe Strategic Sourcing, and Jim Robinson, Merchants and Farmers Bank, Holly Springs.
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MBA conferences and webinars See Calendar, page 23
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Seven steps to steering clear of the UDAAP trap By Amber Goodrich UDAAP: Is there a more confusing acronym in current financial regulatory jargon? This all-encompassing regulation is relatively new, but its bite is proving as injurious as its initial bark. The Consumer Financial Protection Bureau (CFPB) continues to use the Unfair, Deceptive, and Abusive Acts or Practices (UDAAP) regulation as a primary tool for safeguarding consumers against harmful practices surrounding the collection of consumer debt. And its resulting enforcement actions—which in 2014 led to $2.5 billion in civil money penalties—serve as a reminder of the regulation’s severity. Unfortunately, the CFPB’s definition of what constitutes a UDAAP remains vague, by design, to encourage financial institutions to consider consumer protection through an enterprise wide lens— leaving many of them chasing their tails in an effort to stay compliant. As something of a peace offering, the
CFPB has made public its Supervision and Examination Manual to help financial institutions learn about UDAAP and prep for exams. But what can you do to prevent accidental violations? Regulators expect financial institutions to complete a risk assessment to ensure every product and service takes UDAAP into account. This can be difficult—because you do not really know what you are looking for—but making the effort to protect confidential information and IT assets goes a long way. In addition, financial institutions should: Evaluate New Products and Services. Review new solutions to ensure all related proper disclosures are included. Disclosures should be overly clear so there is no question as to whether consumers can fully understand them. This process should occur each time a new solution is introduced, as well as for such add-on offers as rewards and “no transfer fee” programs.
Review Advertising Materials. As a best practice, ensure all advertisements are reviewed by both your marketing department and your compliance officer to safeguard against misleading or deceptive verbiage. C r e a t e a U D A A P P o l i c y. Go beyond the risk assessment to create formal UDAAP policies and procedures. And since there is no clear path to doing so, it is a good idea to incorporate UDAAP language—for example, rules regarding proper disclosures—into your loan, BSA, credit card and other policies as an extra precaution. Stay Vigilant on Mortgage Rules. Pay extra attention to the new mortgage rules, which have been a hotbed of UDAAP violations and ensuing enforcement actions. Violations of loan originator compensation rules, in particular, are cited regularly. Continued on page 10
SEPTEMBER/OCTOBER 2015
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Continued from page 9 Make Sure Free Means Free. Ensure that, when marketing free products like debit or credit cards, they are truly free of any and all fees. Otherwise, this will be considered deceptive. Monitor Consumer Complaints. Pay attention to complaints against your institution and others using the CFPB’s public Consumer Complaint Database. You can search through the database to gauge which topics are buzzing. And a heads-up: When the CFPB starts seeing lots of similar complaints—for example, on overdraft protection or debt collection—odds are they’ll put it on their rule making agenda. Evaluate Vendor Relationships. Financial institutions are increasingly held accountable for the actions of their thirdparty service providers. Since your institution is responsible not only for its own actions but also for those of its vendors, including UDAAP compliance expectations in every third-party contract makes for a solid Vendor Management Program. Although the UDAAP definition will likely remain vague, following these steps should help you steer clear of unknow-
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ingly committing consumer violations as well as their resulting enforcement actions. Amber Goodrich is a compliance strategist for CSI Regulatory Compliance Services. A Certified Regulatory Compliance Manager and Certified Bank Secrecy Act Professional, Ms. Goodrich has expertise in bank operations, compliance and enterprise risk management. CSI supports the Mississippi Bankers Association as an MBA Affiliate.
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Support Mississippi’s banks and receive great benefits as an MBA Affiliate. Contact Brooke McCoy bmccoy@msbankers.com (601) 948-6363
Community Trust Is now Origin Bank Community Trust Bank, a $3.8 billion Louisiana-based bank with operations in Mississippi and Texas, is now Origin Bank.
In announcing the name change, the bank said its purpose is to distinguish itself from similarly named banks. Becoming Origin Bank will not affect existing customers, who will continue to use account numbers and other services uninterrupted, the bank said. “Our name change is not the result of our being sold or merging with another institution,” said CEO Drake Mills. “It is a strategic decision to differentiate our brand.” Origin Bank operates Mississippi offices in Ridgeland, Flowood, Madison and Oxford. Larry Ratzlaff serves as the bank’s Mississippi president.
Enrollment opens for Mississippi School of Banking 46th session of MBA school scheduled April 3-9 in Oxford
Applications are now being accepted for the 46th annual session of the MBAsponsored Mississippi School of Banking to be held April 3-9, 2016, on the University of Mississippi campus in Oxford. Since 1970, MSB has provided an intense two-year program of training for Mississippi bankers. The curriculum covers many varied aspects of banking activity, including the latest developments regarding legal, regulatory, credit, management and other issues.The school’s program consists of two one-week sessions on the Ole Miss campus, with students required to successfully complete home study problems between their first and second year. A major portion of the second-year curriculum is a computerized bank simulation exercise, in which students compete in teams to successfully manage their “banks” through various economic scenarios. The MSB program emphasizes interaction between its students, which is conducive to problem-solving during
Davis
Cyree
the school and also fosters relationships between bankers that are useful in their careers. A distinguished faculty is led by Dr. Ken Cyree, MSB director and Dean of Business at Ole Miss. Instructors include bankers, educators, regulatory officials and other industry professionals. Each year, the top graduate of the school is recognized and awarded the Donald E. Moak Achievement Award, provided by the MBA Education Foundation and presented by Mississippi Young Bankers. Additionally, bank simulation winners are recognized at graduation.
The banking school is overseen by a Board of Trustees, chaired by Chuck Nicholson, CEO of Community Bancshares, Inc. The MSB board met in August to evaluate the 2015 session and provide input into plans for the 2016 session. Dr. Cyree oversees the faculty and curriculum. Amy Davis, MBA senior vice president, serves as MSB registrar and manages enrollment and other administrative matters. To be admitted as a first-year student, an applicant must be an employee or director of a commercial or savings bank, savings institution, or bank regulatory agency; be a high school graduate; be 21 years of age or older; and be recommended by a senior officer of their institution or agency. Applications from MBA member bankers are given priority over others. The deadline for applications for the 2016 MSB session is February 1, 2016.
2016 Session
APRIL 3-9
University of Mississippi Oxford, MS
Applications due February 1, 2016
Register today!
Contact Amy Davis adavis@msbankers.com
www.msbankers.com
SEPTEMBER/OCTOBER 2015
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MYB Leadership Conference THE MISSISSIPPI BANKER
MYB Leadership events attract over 130 bankers Over 130 bankers from around the state participated in the Mississippi Young Bankers Golf Tournament and Leadership Conference in September. MYB President Parker England of Planters Bank & Trust, Greenville, led the MYB Executive Council in the planning of these events, and Councilman Marc Petro of Community Bank in Ridgeland presided over the Leadership Conference. Councilman Dexter Haynes of Farmers and Merchants Bank of Baldwyn served as chairman of the golf tournament, which was held on Sept. 22 at Lake Caroline Golf Club in Madison with 22 teams of golfers competing in a four-man scramble format. Vining Sparks and ICBA Securities were presenting co-sponsors of the tournament. The Leadership Conference was held on September 23 at the Hilton Hotel in Jackson. Guest speakers included Governor Phil Bryant; Congressman Gregg Harper; MBA Chairman George Marx of Copiah Bank, Hazlehurst; Sharon Stark, economist at D.A. Davidson Companies; Joseph H. Neely, Neely and Associates, LLC; and Tommy Hamill, author of the book “Escape from Iraq” and native of Macon. During the Leadership Conference luncheon, several bankers were recognized
Congressman Gregg Harper spoke to Mississippi Young Bankers at the Leadership Conference. 12
for their participation in consumer education activities. Mac Deaver, MBA President, and Amy Davis, MBA senior vice president, discussed the success of the MBA’s “A Banker in Every Classroom” program and presented awards to Joey Erickson, Southern Bancorp, Clarksdale, and Marcia Manning King of BankFirst Financial Services, Macon. Davis announced that over the past four years 55,000 students in Mississippi have been reached through “A Banker in Every Classroom” and over 1,500 presentations have been made by our member banks. For the fifth anniversary of this program, Governor Phil Bryant has declared the week of November 2-6, 2015, as “A Banker in Every Classroom” week. Davis invited all of the bankers present to participate in this year’s “A Banker in Every Classroom” program. MYB also awarded its “County Chairperson of the Year” award to Amanda Kent, BNA Bank, New Albany, for her leadership in promoting financial literacy in Union County. She was selected from nearly 100 county chairs and co-chairs who work statewide to coordinate consumer education activities. The $2,000 Leadership Scholarship,
Governor Phil Bryant addressed the Mississippi Young Bankers Leadership Conference.
given annually by the MBA Education Foundation and MYB to a deserving college junior studying banking in Mississippi, was presented to Parker Adamson, a junior at the University of Southern Mississippi. Councilman and scholarship committee chairman Michael Gibson, Great Southern Bank, Meridian, made this year’s presentation.
Group County Chairperson Awards were presented to (L to R): Amanda Kent, BNA Bank, New Albany; Tracy Goforth, First Security Bank, Batesville; Amanda Wiltshire, State Bank & Trust Company, Greenwood; Shana Robertson, Community Bank, Jackson; Trulee Torres, First Bank, McComb; and Marshall Eleuterius, Community Bank, D’Iberville.
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MYB Leadership Conference
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MYB President Parker England.
MBA Chairman George Marx.
Amy Davis presented the 2014 “A Banker In Every Classroom” awards to Joey Erickson, Southern Bancorp, and Marcia Manning King, BankFirst Financial Services.
Tracy Goforth, First Security Bank; James Glorioso,Cleveland State Bank; Matt McCraw, First Security Bank; and Stewart Huey, First National Bank of Picayune.
MYB Treasurer Wes Rouse (L) and MYB President Parker England (R) presented Amanda Kent of BNA Bank with the award for Statewide County Chairperson of the Year.
USM Professor Dr. Wayne Kelly and USM junior Parker Adamson, Leadership Scholarship winner.
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“A Banker in Every Classroom” November 2-6 Governor Phil Bryant has proclaimed November 2-6, 2015, as “A Banker in Every Classroom” week in Mississippi. This successful MBA program brings bankers and teachers together in local classrooms to educate students on personal finance. During the week, teachers and bankers will team up to make presentations to students in grades K through 12, in both public and private schools. Since 2011, the popular consumer education project has reached over 50,000
your time and efforts. And for those new to the program this year, thanks for your time and efforts and we look forward to hearing your success stories.” The MBA provides age-appropriate materials – on savings, credit, budgeting and other topics. Of course, teachers and bankers are free to determine what will work best in their classroom. Davis stresses that there is no required curriculum. “The important thing is that bankers and teachers work together to provide a
“I encourage all bankers to sign up for ‘A Banker in Every Classroom’ in 2015 and make a difference in children’s lives.”
Mississippi students. Last year, bankers provided nearly 500 presentations. Since its inception, over 1,500 presentations have been made and this year, the MBA plans to increase that number. “A Banker in Every Classroom has become one of the largest financial education initiatives in Mississippi,” said Amy Davis, MBA senior vice president. “This program is different from others in that it pairs a local banker with teachers and students in his or her own community. Over the years, the program develops teacher-banker relationships so teachers can call on bankers any time of year as a resource. Bankers have the opportunity to share the value of using services provided by a bank, the partnerships that bankers have with their communities and to develop ongoing relationships with future customers,” Davis explained. “I encourage all bankers to sign up for ‘A Banker in Every Classroom 2015’and make a difference in children’s lives,” shares MYB President Parker England. “The MBA staff does an excellent job of matching bankers to area students and even provides classroom materials. Honestly, I don’t know who has a better time – the students or the bankers! To those who have participated in prior years and continue to participate, we appreciate 14
Parker England, Planters Bank & Trust Greenville meaningful and beneficial experience for students,” said Davis. Bankers and teachers register separately to participate in this project. Bankers indicate the dates and times they are available and teachers make requests for bankers to visit their classrooms. The MBA matches bankers and teachers in each area and assists as needed in preparing presentations. The Mississippi banking industry has a long record of providing financial education in their schools and communities. With their success tied to their communities, many banks sponsor financial literacy on an ongoing basis. The Mississippi Young Bankers section coordinates personal financial education through its statewide network of MYB county chairmen. “A Banker in Every Classroom” presents an exciting opportunity to magnify the impact of the existing programs. “A Banker in Every Classroom” registration forms are available on the MBA website, www.msbankers.com. Bankers are also encouraged to use the registration form on page 17 of this magazine. For more information, please contact Amy Davis at adavis@msbankers.com or Brooke McCoy at or bmccoy@msbankers.com.
THE MISSISSIPPI BANKER
5th
Anniversary
Over 1,500 banker presentations Over 50,000 students reached
Join us for this fifth annual event!
CONTACT Amy Davis Brooke McCoy 601-948-6366 or visit www.msbankers.com
2015 BANKER REGISTRATION FORM
Presents
The Mississippi Bankers Association sponsors “A Banker in Every Classroom,” a project to bring bankers to Mississippi classrooms during the week of November 2-6, 2015. Local bankers will join teachers to present personal financial lessons to students in public and private school classrooms throughout Mississippi on these dates. Here’s how the program works: Bankers register with the MBA to volunteer to visit a classroom in their area. At the same time, teachers throughout the state register and make requests for local bankers to appear in their classrooms. We match bankers and teachers and provide age-appropriate materials on personal finance topics. (These materials can be the basis for a presentation, or a customized program can be developed.) To register, simply complete and return the form provided below. Let us know your location and the date(s) that you are available. Please provide your school, grade level, and date preferences. If you wish, indicate a particular class you would like to visit. (If you want to visit your child’s class or a particular teacher’s class, please contact him or her and then let us know!) The MBA will match bankers and teachers and send contact information, along with materials. Have questions or need further assistance? Contact Amy Davis at adavis@msbankers.com or Brooke McCoy at bmccoy@msbankers.com, or call the MBA office at 601-948-6366.
Banker Name: ___________________________ Bank: ___________________________ Bank Address: ____________________________Cell/Home Phone: ____________________ Bank City:_______________________ County: _________________________________ E-mail address: __________________________ Bank Phone: ____________________ If you have preferences, please indicate below: School/Location:____________________ Grade:_________ Date Available: _______ If you would like to visit a specific teacher, please contact that teacher and list his or her info below: Teacher Name: _______________________ School: ______________________________ School Phone Number: ________________ Teacher Cell Phone _________________ Teacher E-mail Address: ___________________________________________________
Return completed form to: Mississippi Bankers Association Brooke McCoy 601-355-6461 fax bmccoy@msbankers.com
SEPTEMBER/OCTOBER 2015
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Standing Committees
THE MISSISSIPPI BANKER
Bank Attorneys Committee Chairman: Steve Corban, Renasant Bank Tupelo
Communications Council Chairman: Paul Maxwell, Hancock Bank Gulfport
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Chairman: Sharon Beard First State Bank Waynesboro
Maxwell Beard
Corban
Dean Belk Clark, Davis & Belk, P.A., Indianola Chase Bryan Forman Perry, Jackson Pat Caldwell Riley, Caldwell, Cork & Alvis, Tupelo Harris Collier Trustmark National Bank, Jackson George Fair Watkins & Eager, Jackson Clint Gardner The Gardner Group, Brookhaven Cliff Harrison Butler, Snow, O’Mara, Stevens & Cannada, Ridgeland Tom Hudson BankPlus, Ridgeland Craig Landrum Jones Walker, Jackson Charles Parrott Adams & Reese, Jackson Joy Phillips Hancock Bank, Gulfport Charles Pignuolo BancorpSouth, Tupelo Ryan Revere Smith, Phillips, Mitchell, Scott, & Nowak, Batesville Ben Sones Randall, Segrest PLLC, Ridgeland Lillous Ann Shoemaker Magnolia State Bank, Bay Springs Granville Tate Brunini, Grantham, Grower & Hewes, Jackson
Compliance/Audit Committee
Rob Armour BankPlus,Ridgeland Whitney Barnes PriorityOne Bank, Magee Diedre Barret Guaranty Bank & Trust, Belzoni Heather Brown Magnolia State Bank, Bay Springs Randy Burchfield BancorpSouth, Tupelo Leitha Chapman Citizens Bank, Columbia Rachel Cherry The Citizens Bank, Philadelphia Richard Dodd First Bank, McComb Joe Gibbs Trustmark National Bank, Jackson Tracy Goforth First Security Bank, Batesville Paul Guichet The Peoples Bank, Biloxi Agnes Holloway United Mississippi Bank, Natchez Amanda Kent BNA Bank, New Albany Jamie Murrell Planters Bank & Trust Co., Indianola Charlotte Orick. First American National Bank, Iuka John Oxford Renasant Bank, Tupelo Jim Robinson Merchants & Farmers Bank, Byhalia Candie Simmons Regions Bank, Jackson Myrna Story First State Bank, Waynesboro Nancy Virden Bank of Anguilla, Anguilla
THE MISSISSIPPI BANKER
Dawn Ard The First, A National Banking Association, Hattiesburg Kimberly Buford Mechanics Bank, Water Valley Audra Cook Oxford University Bank, Oxford Heather Craft OmniBank, Jackson Jeff Crick Bank of Commerce, Greenwood Rita Eldridge Bank of Winona, Winona Leslie Fortenberry Copiah Bank NA, Hazlehurst Connie Poster Hancock Bank, Gulfport Leah Hearn Commercial Bank, Meridian Nikki Henning State Bank & Trust, Ridgeland Julie Henry First Choice Bank, Pontotoc Evelyn Herrington The Peoples Bank, Biloxi Ashley Jennings PriorityOne Bank, Magee Mike Keen River Hills Bank, Port Gibson Debbie Lockert Planters Bank & Trust Co., Indianola Sue Love BankPlus, Ridgeland Ion Mixon The First, A National Banking Association, Hattiesburg Carla Morrisson FNB Oxford Bank, Oxford Rochelle Sanders Bank of Brookhaven, Brookhaven
Standing Committees
THE MISSISSIPPI BANKER
Mark Segars First American National Bank, Iuka Peggy Sledge Cleveland State Bank, Cleveland Lexine Smith Bank of Holly Springs, Holly Springs Jeff Swilley Community Bank, Brandon Jo Thompson Peoples Bank, Ripley Jamie Timbes Commerce Bank, Corinth Doug Whittle BankFirst, Newton
Lisa Phelps First American National Bank, Iuka Pam Pierce Charter Bank, Biloxi Ray Smith Renasant Bank, Tupelo Phil Sprayberry Cadence, N.A., Starkville Rudi Thompson Hancock Bank, Gulfport Amanda Tuminello Magnolia State Bank, Bay Springs
Legislative Committee
Human Resources Committee Chairman: June Burney Copiah Bank N.A. Hazlehurst Burney
Eric Adkins PriorityOne Bank, Magee Nancy Bryan BankFirst, Columbus Kristy Davis First State Bank, Waynesboro Rita Floyd Trustmark National Bank, Jackson Leslie Franklin Peoples Bank, Mendenhall Lisa Givens State Bank & Trust Co., Brookhaven Tim Gray Community Bancshares, Brandon Tish Hairston Guaranty Bank & Trust, Belzoni Jackie Henson The Peoples Bank, Biloxi Nicole Jacobs Merchants & Marine Bank, Pascagoula Jessica Milam Planters Bank & Trust Co., Indianola Melissa Pellum Covenant Bank, Clarksdale Dianne Pepper BankPlus, Ridgeland
Chairman: Andy Anderson Bank of Anguilla Anguilla Anderson
Kevin Adkins Amory Federal Savings & Loan Association, Amory Robbie Barnes PriorityOne Bank, Magee Pat Biglane Concordia Bank & Trust, Natchez Michael Booker BancorpSouth, Clinton Deanna Bowser Home Bank, Natchez Allen Breland Bank of Forest, Forest Mike Cayson Cadence Bank, N.A., Starkville Mary Childs The Peoples Bank, Ripley Joel Clements First State Bank, Waynesboro Bo Collins BNA Bank, New Albany Tracy Davidson Citizens Bank, Byhalia Scott Fontenot Wells Fargo, Des Moines, IA Henry Fox Merchants & Marine Bank, Pascagoula William Freeman BankFirst, Newton Wes Fulmer The Peoples Bank, Biloxi
Curt Gabardi Metropolitan Bank, Ridgeland Bill Granberry Richton Bank & Trust, Richton Eddie Hammond Bank of Winona, Winona John Haynes Farmers & Merchants Bank, Baldwyn Alice Herbison Bank of Benoit, Benoit Brad Jones Bank of Franklin, Meadville Jeff Lacey Renasant Bank, Meridian Jeff McCoy Great Southern Bank, Meridian Robin McGraw Renasant Bank, Tupelo Greg McKee The Citizens Bank, Philadelphia Pax Mogenson First National Bankers Bank, Ridgeland Chuck Nicholson Community Bancshares, Brandon Ken Purvis Sycamore Bank, Hernando Jeff Rabren Regions Bank, Birmingham, AL Randy Randall Planters Bank & Trust Co., Indianola John Rankin Peoples Bank, Mendenhall Larry Ratzlaff Origin Bank, Ridgeland Joe Ricotta Southern Bancorp, Indianola Martha Rogers Bank of Morton, Morton Dan Rollins BancorpSouth, Tupelo George Shackelford Peoples Bank & Trust Co., N. Carrollton John Shappley First Bank, McComb Bill Sones Bank of Brookhaven, Brookhaven Carlton Stephen, Liberty Bank & Trust, Jackson Greg Taylor, Merchants & Farmers Bank, Holly Springs James Threadgill BancorpSouth, Tupelo Huey Townsend Guaranty Bank & Trust, Belzoni continued on page 20
SEPTEMBER/OCTOBER 2015
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Standing Committees
THE MISSISSIPPI BANKER
Legislative Committee continued Cam Tyler, Mechanics Bank, Water Valley Clay Wagner Hancock Bank, Gulfport Harry Walker Trustmark National Bank, Jackson Jennifer Wallace Pike National Bank, McComb Alan Walters First Commercial Bank, Jackson Danny Whalen Cleveland State Bank, Cleveland Max Yates BankPlus, Ridgeland
Lending Committee Chairman: Mike Staten BNA Bank New Albany Staten
Newton Blount First Southern Bank, Columbia Raland Burks PriorityOne Bank, Hattiesburg Von Burt Great Southern Bank, Meridian Shane Clayton First Choice Bank, Pontotoc Carol Daniel The First, A National Banking Association, Hattiesburg Russell Fava First National Bank, Clarksdale Lee Fedric Citizens Bank, Columbia Clifton Fowler Bank of Forest, Flowood James Glorioso Cleveland State Bank, Cleveland Ken Gordon Bank of Morton, Morton Alan Hargett Planters Bank & Trust Co., Indianola Chris Hull Covington County Bank, Collins Wyman Jones Community Bancshares, Brandon 18
Byron Jordan First State Bank, Waynesboro Sam Kendricks Hancock Bank, Gulfport Kris Mangum Magnolia State Bank, Petal Robb Massengill Bank of Brookhaven, Brookhaven Raymon McAlpin Peoples Bank, Mendenhall Sam McClatchy First State Bank, Holly Springs Brad Ogletree First Financial Bank, Carthage Van Ray Bank of Yazoo, Yazoo City Ryan Strawbridge First National Bankers Bank, Ridgeland Dale Tate First Federal, Aberdeen Geraldyn Terry Liberty Bank & Trust, Jackson Jerry Toney Cadence Bank, N.A., Starkville Hue Townsend Guaranty Bank & Trust, Belzoni Larry Veasey Merchants & Farmers Bank, Holly Springs James Williams BankFirst, Newton
Mississippi School of Banking Board of Trustees
Chairman: Chuck Nicholson Community Bancshares Brandon Nicholson
Kristy Davis First State Bank, Waynesboro Parker England Planters Bank & Trust Co., Greenville David Hemeter First National Bank, Picayune Kent Mortimer Bank of Kilmichael, Kilmichael Gee Gee Patridge BankPlus, Ridgeland Bill Renovich First Commercial Bank, Horn Lake Cam Tyler Mechanics Bank, Water Valley
Mississippi Bankers VEBA Plan & Trust MissBankPAC Committee
Chairman: Leslie Usher Great Southern Bank Meridian Usher
Andy Anderson, Bank of Anguilla, Anguilla Owen Carty State Bank & Trust Co., Ridgeland James Clayton Planters Bank & Trust Co., Indianola John Haynes Farmers & Merchant Bank, Baldwyn Chuck Nicholson Community Bancshares Inc., Brandon Clay Wagner Hancock Bank, Gulfport Max Yates BankPlus, Ridgeland
THE MISSISSIPPI BANKER
Chairman: Brad Jones Bank of Franklin Meadville Jones
Johnny Barrett FNB Oxford Bank, Oxford Allen Breland Bank of Forest, Forest Henry Logue Merchants & Planters Bank, Raymond Sam McClatchy First State Bank, Holly Springs Greg McKee The Citizens Bank, Philadelphia James Rabby Bank of Wiggins, Wiggins Phil Williams Bank of Yazoo, Yazoo City
Bankers join MBA 40-Year Club
Trustmark Commercial Relationship Manager Ken Lancaster presents 40-Year Club award to Trustmark Corinth Operations Support associate Nan Nabors.
Trustmark Laurel Sawmill Branch Manager Tina Freeman (L) and Trustmark Laurel Community Bank President Greg Bennett (R) present 40-Year Club award to Trustmark Laurel Sawmill Head Teller Catherine Nichols (C).
Trustmark Laurel West Branch Manager Diane Herrington (L) and Trustmark Laurel Main Community Bank President Greg Bennett (R) present 40-Year Club award to Trustmark Laurel West Financial Services Representative Fran Satterthwaite (C).
Trustmark Raleigh Courthouse Branch Manager Randy Creel presents 40-Year Club award to Trustmark Raleigh Courthouse Financial Services Representative Debbie Tullos.
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THE MISSISSIPPI BANKER
Trustmark South Metro Division President Hal Williams (R) presents 40-Year Club award to Trustmark Rankin County Main Branch Manager Gail Twiner.
First Commercial Bank President and CEO Alan Walters presents Georgia Bullocks with 40-Year Club award.
Trustmark CFO Louis Greer (far L), Trustmark CEO Jerry Host (L Center) and Trustmark Senior Vice President and Controller Tom Chambers (Far R) present 40-Year Club award to Trustmark Senior Vice President and Assistant Controller Donnie Tynes.
First Commercial Bank President and CEO Alan Walters presents Linda McMasters with 40-Year Club award.
2016 MBA ANNUAL CONVENTION
May 11-15 First Southern Bank President and CEO Newton Blount presents Jack Ezelle with the 40-Year Club award. SEPTEMBER/OCTOBER 2015
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2015 Mississippi Bankers Association
Program Partners Thanks to our PROGRAM PARTNERS that provide support to the MBA and the Mississippi banking industry througout the year.
www.bcbsms.com Blue Cross & Blue Shield of Mississippi, A Mutual Insurance Company is an independent licensee of the Blue Cross and Blue Shield Association. 速 Registered Marks of the Blue Cross and Blue Shield Association, an Association of Independent Blue Cross and Blue Shield Plans.
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THE MISSISSIPPI BANKER
MBA Calendar
THE MISSISSIPPI BANKER
Calendar of Events OCTOBER 19 20 21 22 23 23 27 28 29 30
Commercial Real Estate Loan Documentation Auditing for Compliance Part I: BSA/AML/CIP13 Reading Credit Reports: Preventing Fraud, Using Credit Scores & Compliance Issues Auditing for Compliance Part II: HDMA00 The Professional Credit Analyst: Mandatory 2 Part Series 10/23 & 10/26 Overdraft Privilege Hotspots: Including Regulations, Lawsuits & Guidance When a Loan Customer Dies: Issues to Consider When a Deposit Customer Dies: Issues to Consider Auditing for Compliance Part III: Advertising Understanding & Using the New FFIEC Cybersecurity Assessment Tool
NOVEMBER 2-6 3 4 5-6 5 6 9 10 12 13 16 17 18 19 24
A Banker in Every Classroom Federal Benefit Payments Garnishment Requirements: Eight FAQ’s Loan Documentation: Top 10 Mistakes & Top 25 Questions 2015 MBA Financial Management Conference Understanding the Green Book & ACH Payments Endorsements: A to Z New Regulation Z Rules for Small Creditors and Rural & Underserved Areas Rebroadcast: Accounting for Other Real Estate Owned (OREO) Part I Virtual Currencies Update: What Bankers Need to Know Critical Issues on Power of Attorney Documents Accounting for Allowance of Loan & Lease Losses (ALLL) Part II Federal Benefit Payments Garnishment Requirements: Eight Frequently Asked Questions Your FCRA Exam, the CFPB & Your Bank: How to Prepare! Capital is King: Raising Capital for Community Banks in Today’s Challenging Market Strategic Loan Pricing Webinar
All offerings are webinars unless otherwise indicated. • Bold items indicate Schools, Conferences and Conventions. • Contact Amy Davis, adavis@msbankers.com or (601) 948-6366 with any questions.
Visit www.msbankers.com for Registration and more information SEPTEMBER/OCTOBER 2015
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Bankers on the Move
THE MISSISSIPPI BANKER
Citizens Bank, Columbia
Guaranty Bank and Trust
Blake A. Walker has joined the bank as vice president and commercial lending officer at the Bellevue Branch. He graduated with a Bachelor of Arts in Political Science from The University of Southern Mississippi. Walker is Walker an experienced commercial lender with nine years banking experience.
Taylor Boyd has joined the bank as personal banker and greeter in the Batesville office. She attended Delta State University with a concentration in secondary mathematics prior to earning her Bachelor of Business Adminis- Boyd tration degree from The University of Mississippi in Human Resources Management. Boyd has 16 years of banking experience.
Beth Woods has joined the bank as a relationship banker in its Batesville office. She attended Northwest Community College for two years prior to earning two Bachelor of Business Administration degrees in Marketing and Woods in Banking and Finance.
Kayla Dunnigan has joined the bank as a teller in its Batesville office. She attended both Northwest Community College and The University of Mississippi.
Curt Jones has been promoted to chief credit officer. He will chair the bank’s loan committee and will be responsible for the loan portfolio and oversight of loan underwriting and credit analysis. Jones has been with the bank Jones since January 2011.
First Bank K e n Gr a e b e r h a s joined the bank as community bank president of the Jackson Metro market. He received his undergraduate degree from The University of Mississippi. Graeber also is a graduate of The Mississippi School Graeber of Banking.
Great Southern Bank Anthony D. Thomas has been promoted to loan officer. He is a graduate of East Mississippi Community College and Mississippi State University with a Bachelor of Business Administration degree specializing in risk Thomas management, financial planning and insurance. Thomas joined the bank in April 2014.
Dunnigan
Edith M. “Buffy” Morrow has joined the bank as a teller at its Batesville location.
Morrow
Steve Thompson has joined the bank as assistant branch manager in its Batesville office. He attended The University of Mississippi.
Guaranty Bank and Trust Ashley Atchison has joined the bank as a parttime teller at its Batesville location. She attended Northwest Community College and majored in intercultural studies at SAGU, earning her BachAtchison elor’s degree in Bible. 24
Thompson
Arlington Wade has joined the bank as a summer intern in its Batesville office. He is currently attending the University of Mississippi.
THE MISSISSIPPI BANKER
Wade
Guaranty Bank and Trust
Magnolia State Bank
Wes Rouse has been promoted to president. He will manage the Hattiesburg office and continue to handle business and personal loan requests as well as developing new bank relationships within the Hattiesburg area. Rouse Rouse joined the bank since January 2015. He currently serves as Treasurer of the Mississippi Young Bankers. Suzette Sullivan has been promoted to chief operations officer. Sullivan began her financial career in 1997 as a teller at her hometown Magnolia State Bank. She also gained experience at the bank in customer service, account Sullivan service, operations and processing, wire transfers, and merchant capture before her promotion.
Bankers on the Move
THE MISSISSIPPI BANKER
Renasant Bank
Trustmark Bank
David Gilliland has joined the bank as a consumer relationship officer. He is a graduate of The University of Southern Mississippi. Gilliland also holds two Master’s degrees from Mississippi State Gilliland University, in Business Administration and Sports Administration.
Becky Beyea has been promoted to compliance officer at the Corporate Main office. She earned a Bachelor of Science in Education from The University of South Florida and an Associate of Applied Beyea Science in Paralegal Studies from Holmes Community College.
Suzanne M. Smith has been promoted to Senior Vice President, Western Region Retail Administrator. She obtained her degree in banking and finance from The University of Mississippi and is a Smith graduate of The Mississippi School of Banking. Smith joined the bank in 1987.
Cathy Carr has been promoted to vice president and trust officer at the Corporate Main office. Carr has 42 years of banking experience.
Trustmark Bank Ben Aldridge has been promoted to senior vice president at the Corporate Main office. He holds a Master of Business Administration from The University of Alabama at Birmingham and a Bachelor Aldridge of Accountancy from Mississippi State University. He completed the Graduate School of Banking at LSU and has 16 years of banking experience. Darlene Austin has been promoted to branch officer at the Canton Main office. She has 22 years of banking experience. Sandra Bellipanni has been promoted to first vice president at the McComb Main office. She attended Southwest Mississippi Community College and is a graduate of The Mississippi School of Bellipanni Banking. Bellipanni has 29 years of banking experience.
Trustmark Bank Bryan Holder has been promoted to assistant vice president at the Corporate Main office. Holder earned a Bachelor of Arts in Communication Management from Mississippi State University. In 2013, Holder he acquired the Certified Anti-Money Laundering Specialist (CAMS) designation and is a member of the Association of Certified Anti-Money Laundering. Holder has 18 years of banking experience. Stephen Huwe has been promoted to assistant vice president and legal officer at the Corporate Main office. Huwe holds a Juris Doctor from The University of Mississippi School of Law and a Bach- Huwe elor of Science in Business Administration from Mississippi College. He is also a member of the Mississippi Air National Guard. Huwe brings four years of legal experience and three years of banking experience to his new position.
Carr
Taylor Dixon has been promoted to assistant vice president at the Corporate Main office. She holds a Bachelor of Business Administration from The University of Mississippi. Dixon brings six years of Dixon experience in real estate and appraisal to her new position. Laura Douglas has been promoted to assistant vice president and trust officer at the Corporate Main office. She holds a Bachelor of Science in Business Administration degree with a major in Ac- Douglas counting from Mississippi College. Douglas has 23 years of accounting experience, with 15 years in the area of qualified retirement plans. Adam Hargett has been promoted to assistant vice president at the Corporate Main office. Hargett holds a Bachelor of Business Administration from Mississippi State University.
Hargett
Elinda Johnson has been promoted to audit officer at the Corporate Main office. Johnson earned a Bachelor of Business Administration in Finance from Jackson State University and has Johnson 19 years of banking experience. Jill Keys has been promoted to vice president at the Corporate Main office. Keys holds a Bachelor of Business Administration from The University of Mississippi and has 14 years of banking experi- Keys ence.
SEPTEMBER/OCTOBER 2015
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Bankers on the Move
THE MISSISSIPPI BANKER
Trustmark Bank
Trustmark Bank Austin Lane has been promoted to private banking officer at the Baptist Belhaven office. He earned a Bachelor of Business Administration with a concentration in Banking and Finance from Mis- Lane sissippi State University. Lane brings three years of experience in banking to his position. Tammy B. Lewis has been promoted to trust officer at the Corporate Main office. Lewis has 29 years of experience in Retirement Plan Services. Lewis
Robert Mahaey has been promoted to assistant vice president at the Corporate Main office. He holds a Bachelor of Science in Criminal Justice from Jackson State University and has 24 years of law enforcement Mahaffey experience. Maria Martin has been promoted to branch officer at the Cedar Lake office. She earned an Associate of Applied Science in Banking and Finance and an Associate of Applied Science in Accounting, both from Valdosta Tech- Martin nical College. Martin has nine years of banking experience.
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Kalvin Murrell has been promoted to assistant vice president at the Corporate Main office. He holds a Bachelor of Science in Business Administration from Mississippi College. Murrell has 19 years of Murrell banking experience. Heather Phillips has been promoted to branch manager at the Montgomery Main office. She earned a Bachelor of Science in Business Administration from Troy University. Phillips has nine years of ex- Phillips perience in the financial industry. Jim Suber has been promoted to vice president at the Corporate Main office. He attended The University of Southern Mississippi and has eight years of banking experience.
Suber
Karen Sumrall has been promoted to credit bureau officer at the Jackson office. She earned an Associate of Arts in Accounting from Ashworth College and has 13 years of banking experience. Laura Elizabeth Tate has been promoted to trust officer at the Corporate Main office. She holds a Juris Doctor from the University of Mississippi and a Bachelor of Arts in Political Science and English from Mississippi Tate State University. Tate has one year of law experience.
THE MISSISSIPPI BANKER
Trustmark Bank Melissa West has been promoted to vice president at the Corporate Main office. She earned a Bachelor of Science in Business Administration with a concentration in Banking and Finance from The West University of Southern Mississippi. West brings 33 years of experience in banking to her new position.
Allyson Winter has been promoted to assistant vice president and legal officer at the Corporate Main office. Winter holds a Doctor of Jurisprudence from Mississippi College School of Law and a Bachelor of Winter Science from Austin Peay State University. She has been admitted to the Alabama State Bar, Mississippi State Bar and Tennessee State Bar. Winter has been practicing law for five years and has three years of banking experience.
Are your bankers on the move?
Send your submissions to rchew@msbankers.com
MBA Classified Ads
THE MISSISSIPPI BANKER
COMMERCIAL/CONSUMER LENDING OFFICER: A community bank in the meridian area is seeking a commercial/consumer lender. Candidates should have a minimum of two to three years experience in commercial and consumer lending with knowledge of credit, compliance and loan documentation. Must have the ability to conduct business development calls promoting the bank in a positive manner; participate and support local community events and activities; must have strong computer and communication skills;. Reports to local bank president. Candidates may submit confidential resumes to rchew@msbankers.com. BRANCH MANAGER II/ CONSUMER LENDER A community bank in Madison is seeking a branch manager/consumer lender. This individual will oversee branch staff including coordinating, planning and assigning work schedules, answering questions and solving problems posed by the staff, conducting evaluations, and motivating staff to meet performance levels. Provide service to customers seeking a consumer loan. Achieve and maintain required loan portfolio balance. Previous supervisory and consumer lending experience is required. Complete description and requirements at https://banksouthern. com/category/careers/. Interested candidates may contact Nancy Gann at nancy. gann@banksouthern.com. BANKER SEEKS NEW OPPORTUNITY 2: Compliance/Operations Professional displaced in a merger is seeking new opportunity. Willing to relocate. Experience includes 4 years of Compliance/BSA as well as 7 years as a Sr. Business Analyst for Fiserv. Areas of experience include supervisory experience, training experience, and excellent project management skills. Versatile in banking back office functions. Quick learner and good with systems, processes, and technical writing. For additional information, please contact rchew@msbankers.com. MORTGAGE LOAN ORIGINATOR: The Citizens Bank of Philadelphia is seeking a Mortgage Loan Originator for
a branch location in Hattiesburg, MS. The position will be responsible for initiating, processing and closing residential mortgage loans in accordance with bank policies. Responsibilities include initiating loans with customers, completing applications and ensuring proper disclosures are made to borrower. The originator will evaluate borrower requests and ensure borrower is matched to appropriate mortgage types. This position works closely with attorneys, underwriters, relators and appraisers, as well as bank lending staff on construction lending and recruiting new business. Other essential duties will include promoting the Bank by maintaining good customer relations and referring customers to appropriate staff for new services as well as representing the bank in the local community through active participation in community affairs. Prior experience in mortgage loan origination is required. We provide a wide range of employee benefits and compensation commensurate with experience. Please submit resumes to hr@tcbphila.com. LOAN AND BUSINESS DEVELOPMENT OFFICER 2: A Central Mississippi Bank is seeking a Loan and Business Development Officer for their Clinton location. The candidate should have at least five years of commercial lending and business development experience. The bank is seeking someone who has knowledge or experience in the Clinton/Hinds County market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com. LOAN AND BUSINESS DEVELOPMENT OFFICER: A North Mississippi Bank is seeking a Loan and Business Development Officer for their Oxford location. The candidate should have at least five years of commercial lending and business development experience. The bank is seeking someone who has knowledge or experience in the Oxford/Lafayette Co. market. Pay commensurate with qualifications and experience. Candidates may submit confidential resumes to rchew@msbankers.com.
SENIOR LOAN OFFICER: A community bank in Meridian is seeking a Senior Loan Officer. Successful candidates will have ten plus years of lending experience, preferably in commercial/real estate. Also a successful candidate will have experience in business development and the oversight of support staff. Seeking an individual who is a graduate of the Graduate School of Banking at LSU. Candidates with knowledge or experience in the Meridian market are preferred. Opportunity for advancement within 3-5 years. Candidates may submit confidential resumes to rchew@msbankers.com. PRIVATE BANKER: A local community bank seeks a private banker to work in a branch location to facilitate teller transactions for private banking clients/customers, seek and engage loan and deposit clients/customers, facilitate contract signings and closings, comply with all applicable laws, assist in the collection and creation of paperwork for processing of deposit and loan operations, complete due diligence and basic paperwork on loan applications and new account customers, return phone calls and answer questions related to the preparation of customer documents in deposit and lending operations, maintain and service a high call volume of existing and potential clients/customers, coordinate with Deposit and Loan Operations to ensure follow up of necessary documentation, ensure customer contact and satisfaction for all banking needs. Skills/Requirements: • Previous bank experience in lending and/or deposit operations • Previous experience in attorney loan closings and/or mortgage industry • PC proficiency and ability to use Microsoft products, such as Word and Excel • Ability to organize, multi task and meet deadlines • Well-developed interpersonal, communication and customer service skills • College experience is preferred Please send resume in strict confidence to jobapp@megagate.com and/or apply at the local WIN Job Center. The company is an Equal Opportunity Employer (EOE). continued on page 28
SEPTEMBER/OCTOBER 2015
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MBA Classified Ads
THE MISSISSIPPI BANKER
No applicant for employment with the Company shall be subjected to discrimination because of race, color, sex, national origin, religion, disability, age, reprisal for engaging in anti-discrimination activities, protected genetic information, sexual orientation or parental status. BANKER SEEKS NEW OPPORTUNITY: Relocating to Jackson area; seeking employment in commercial lending. Commercial banking experience includes determining potential commercial banking needs for customers and prospects through community involvement, team prospecting, and relationship building. Background in structuring, analyzing and underwriting loans including manufacturing, health care, public finance, and commercial real estate. Excellent communication and analytical skills. For additional information, please contact rchew@msbankers.com. BANK EXAMINER: The Department of Banking and Consumer Finance is seeking someone to fill the position of bank examiner. This is travel intensive examination work with the responsibility for conducting examinations of financial institutions. Duties include examination of a financial institution’s soundness, compliance with laws, and the preparation of reports of examination. The work requires knowledge of lending and bank operations. Loan review or lending experience is preferred. Please send resume to Sam Hubbard, Director, Banking Division, at sam. hubbard@dbcf.ms.gov. ACCOUNTANT 1: A community bank in east central Mississippi is seeking an accountant. CPA preferred. Perform data analysis, budgeting and forecasting for the financial institution. Develop and implement financial institution fiscal plans and policies, including asset/liability analysis. Candidate must possess strong analytical skills. A bachelor’s degree is required and a minimum of two years’ experience in public accounting; financial institutions preferable. Pay commensurate with qualifications and experience. Reports to Chief Executive Officer. Candidates may submit resumes to rchew@msbankers.com. 28
THE MISSISSIPPI BANKER
CLASSIFIED AD POLICY FOR MBA MEMBERS: Classified advertising will be placed in The Mississippi Banker magazine for association member institutions free of charge. The magazine reserves the right to reject any ad or to change or limit the wording of any such ad. Typically, these ads will be for positions open. Other ads, such as sales or purchases of equipment or other property, will also be accepted. FOR PERSONS SEEKING POSITIONS IN BANKING: Classified advertising will be placed free of charge in The Mississippi Banker for any applicant seeking employment with a Mississippi bank, provided that the position sought is an officer level position and the applicant, as judged by the editor, is a legitimate candidate for the position sought. The magazine reserves the right to reject any ad, to limit or change the wording of any ad, or to limit the period of time the ad will be carried.
Contact Rachel Chew rchew@msbankers.com 601.948.6366 MBA P.O. Box 37 Jackson, MS 39205
Welcome to Mississippi Valley Title. over 70 years, Mississippi Valley Title has Welcome Home. For carried out a tradition of excellence, servicing the title insurance needs of our neighbors and communities across the South.
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