Specialized Accounting Analyst

Security State Bank & Trust; Fredericksburg (TX); On-site; USD 75,000 - 105,000; Full time

Job summary

Security State Bank & Trust is seeking a Specialized Accounting Analyst responsible for banking-specific accounting, reconciliations, entries, schedules, and reporting for specialized products, funding relationships, regulatory activities, and Holding Company duties. You will coordinate with Controller, Treasury, and branches to ensure accurate records and timely reporting.

The role requires a bachelor’s degree in accounting/finance, 3+ years of experience, and strong Excel and analytical

Qualifications

• Bachelor’s degree in Accounting, Finance, or related field or equivalent accounting experience.
• 3+ years of accounting or banking operations experience.
• Strong knowledge of journal entries, reconciliations, schedules, and internal controls.
• Ability to learn and manage complex banking products, portals, and recurring reporting requirements.
• Strong Excel, analytical, research, documentation, and communication skills.
• Ability to manage multiple recurring deadlines with a high degree of accuracy.

Responsibilities

• Maintain securities and funding accounting records and reconciliations.
• Prepare entries involving Federal Reserve, Frost, FHLB, correspondent banks, funds, service charges, interest, wire fees, and stock activity.
• Monitor balances and prepare recurring schedules, entries, and reports within deadlines.
• Research differences among source reports, service-provider records, and the general ledger.
• Process and reconcile public funds, intraFi, and deposit programs as applicable.
• Prepare regulatory schedules and reports and support audits or examinations.

Skills

Excel

Analytical

Research

Documentation

Communication

Deadline management

Education

Bachelor’s degree in Accounting, Finance, or related field

Tools

Horizon

FIS

Banktel

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Specialized Accounting Analyst

Department

Finance / Accounting

Reports To

AVP Accounting Operations

FLSA Status

Exempt

Employment

Full-time

Location

To be confirmed

Travel

Periodic travel between SSB&T locations as business needs require.

Company Vision

Security State Bank & Trust (SSB&T) has proudly served Texas communities since 1941. As a growing community bank, SSB&T is committed to building meaningful relationships, delivering exceptional service, and making a positive impact in the communities served.

Guided by the core values of Care, Do What Is Right, and Go Above and Beyond, SSB&T fosters a culture where team members are empowered to grow, contribute, and make a difference.

About the Role

The Specialized Accounting Analyst performs banking-specific accounting, reconciliations, entries, schedules, and reporting for specialized financial products, funding relationships, regulatory activities, and Holding Company responsibilities. The role owns assigned processes from source documentation through entry, reconciliation, reporting, and issue resolution.

The position works with the Controller, Accounting Operations, Treasury, Lending, branches, external service providers, and other partners to maintain accurate specialized records, meet recurring deadlines, and support audits, examinations, and management reporting.

Securities, Funding, and Correspondent Accounting

• Maintain securities and Finser activity, including purchases, sales, maturities, calls, reconciliations, and audit comparisons.
• Prepare and reconcile entries involving Federal Reserve, Frost, FHLB, correspondent banks, purchased or borrowed funds, service charges, interest, wire fees, and stock activity.
• Monitor assigned balances and prepare recurring schedules, entries, and reports within established timelines.
• Research differences among source reports, service-provider records, and the general ledger.

Public Funds, IntraFi, and Deposit Programs

• Process and reconcile assigned CDARS, IC...
• Maintain required customer or account setup information, approved rate changes, renewals, transfers, and supporting documentation.
• Respond to accounting-related questions and coordinate with branches, Bank Systems, Treasury, or external providers.
• Support public-entity balance confirmations and audit-document requests.

Loan and Specialized Product Accounting

• Prepare assigned SBA entries, reserve calculations, premium-income bookings, guarantee-fee payments, claims reconciliations, and recurring reports.
• Support mortgage commissions, commission accruals and reversals, and related reconciliations.
• Prepare assigned regulatory or management schedules related to lending, deposits, reserves, or other specialized products.
• Maintain complete support for calculations, approvals, entries, and reconciliations.

Holding Company and Shareholder Support

• Support Holding Company close, balance-sheet reconciliation, Federal Reserve reporting, and year-end entries.
• Prepare assigned shareholder distributions, transfer or sale support, records, notices, and payment information.
• Support annual shareholder financial materials and meeting documentation in coordination with leadership.
• Maintain accurate schedules and supporting records for specialized Holding Company activities.

Regulatory, Audit, and Reporting Support

• Prepare assigned recurring regulatory schedules and reports and obtain required secondary review.
• Compile supporting documentation for audits, examinations, and public-entity requests.
• Maintain calendars, workpapers, procedures, and evidence of completion for specialized processes.
• Research reporting errors, outages, and exceptions and coordinate timely correction.

Performance and Accountability

• Own assigned specialized processes from source information through entry, reconciliation, reporting, and documented review.
• Meet daily, weekly, monthly, quarterly, and annual filing or processing deadlines.
• Maintain accurate support for complex calculations, transfers, entries, and external reporting.
• Escalate material outages, regulatory errors, missed deadlines, or control concerns promptly.

Nothing in this job description restricts SSB&T’s ability to modify, reassign, or supplement duties and responsibilities based on business needs.

Candidate Requirements

• Bachelor’s degree in Accounting, Finance, or a related field, or equivalent specialized accounting experience.
• Three or more years of accounting, banking operations, treasury accounting, or related financial-services experience.
• Strong knowledge of journal entries, reconciliations, financial schedules, and internal controls.
• Ability to learn and manage complex banking products, portals, and recurring reporting requirements.
• Strong Excel, analytical, research, documentation, and communication skills.
• Ability to manage multiple recurring deadlines with a high degree of accuracy.

Preferred Qualifications

• Community banking or financial-services accounting experience.
• Experience with securities accounting, Finser, FHLB, Federal Reserve, correspondent banks, IntraFi, public funds, SBA, or Holding Company accounting.
• Experience preparing regulatory schedules and responding to audits or examinations.
• Experience with Horizon, FIS, Banktel, or related banking and accounting systems.

Employment Commitments and Physical Requirements

• Ability to maintain confidentiality related to customer, employee, vendor, and organizational information.
• Regular use of a computer, telephone, and standard office equipment, with extended periods of sitting and digital navigation.
• Ability to communicate effectively in person, by telephone, and through electronic channels.
• Ability to travel between SSB&T locations as business needs require.
• Reasonable accommodations may be made to enable qualified individuals to perform the essential functions.

Compensation

SSB&T is committed to competitive compensation. Pay is determined based on relevant experience, the role’s market value, internal alignment, and geographic location.

Acknowledgment

This job description describes the principal functions of the position and is not intended to be an exhaustive list of all duties. SSB&T may modify, reassign, or supplement duties and responsibilities based on business needs. Employment remains subject to applicable SSB&T policies and procedures.

Security State Bank & Trust is an Equal Opportunity Employer.