Shelley Dacus

Questioner
DISC Type : c

Chief Lending Officer at Citizens State Bank - Woodville

Greater Houston, United States

Overview

Shelley Dacus is the Sr. Executive Vice President and Chief Lending Officer at Citizens State Bank, bringing extensive experience in commercial banking. A graduate of the Graduate School of Banking at UW Madison, she is skilled in commercial lending, credit analysis, and credit risk management, with a demonstrated history in the banking industry.

Shelley has a clear interest in leadership development and professional well-being, particularly for women in executive roles. She actively engages in professional networking to build connections within the finance community and expresses appreciation for strong leadership qualities in her colleagues.

She holds a specialized certification in Executive Well-Being & Leadership for Women.

Personality Overview

Value Seeker

Not Easily Convinced

Systematic

While they don't hesitate to ask questions, they are generally risk-averse and tend to be late adopters.  They are more likely than others to negotiate on pricing and terms. They prefer to fully evaluate every situation.

Topics They Care About

Commercial Lending
Her entire career, including her current role as Chief Lending Officer, is centered around commercial lending and credit analysis.
Credit Risk
She holds a Credit Risk Certification and has deep expertise in managing credit risk within banking portfolios.
Women in Leadership
Her certification in "Executive Well-Being & Leadership for Women" indicates a strong interest in this area.

Media Appearances

Shelley has no verified media appearances

Work History

2-2026
Chief Lending Officer at Citizens State Bank - Woodville
1-2021 - 2-2026
Regional CEO & President at First Financial Bank Texas
3-2019 - 1-2021
Regional President at First Financial Bank Texas
1-2018 - 1-2021
Executive Vice President / Sr. Lender at First Financial Bank Texas
11-2016 - 12-2017
Executive Vice President / Chief Lending Officer at Commercial State Bank

Education

2013 - 2015
Education details unavailable from Graduate School of Banking - UW Madison
2000 - 2002
Bachelors from Sam Houston State University

More Information

Social Presence :

Prographics :

Exp : 28 Location : Greater Houston, United States Job Level : Leadership Designation : Chief Lending Officer at Citizens State Bank - Woodville
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Insights For Selling To Shelley

During A Call Or A Meeting

DO's

  • Back up any claims with data and numbers
  • Tell them that you will come back if you don’t have a good answer for a question
  • Emphasise more on facts and measurable benefits

DONT's

  • Don’t depend too much on anecdotal evidence, it reduces their confidence
  • Avoid phrases like ‘do not worry about’, ‘no one compares to’ etc.
  • Avoid rushing them, be polite and patient

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Shelley is

  • Confidence that the product provides ROI, effective pricing and process adherence matter the most to them.

  • Will you ever get a clear answer from Shelley

  • It doesn’t come naturally to them but they can say no if they are not convinced.

Insights For Deal Planning

    How fast (or slow) will Shelley move?

  • They can move at a reasonable pace while making their decisions if they have the necessary information.

  • Can Shelley take some risk or not?

  • If they believe that they have analyzed the situation well, they can take a little risk.

You And Shelley

Personality Compatibility


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