Experience

Citizens Alliance Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President / Loan Officer

  • Oct 2011 - Present

  •Real estate, commercial, consumer and agriculture lending. Responsible for financial analysis/underwriting, lending compliance, closing, collection and following bank lending policies/procedures as related to the lending process. Co-developed, maintained and managed a profitable $39 million mixed loan portfolio which consists of approximately 150 loan relationships. Monitored and oversaw the credit quality of the loan portfolio. Generated new business through prospecting, networking and referrals as well as expanding existing relationships. Cross-selling and retain existing relationships while maintaining asset quality. Consistently met and exceeded goals and expectations. •Made presentations of specific credit relationships and participated in the bank’s loan approval process, recommended approval and appropriate structure of credits. •Gained exposure by assisting in loan support staff interviews, responsible for quality customer service, credit decision making, loan pricing, overdraft decision making and mentoring less experienced lenders and loan support staff on bank products, policies, procedures, regulatory requirements and lending best practices. •Worked with and gained exposure to the bank’s secondary market programs, including Interfirst, ABN-AMRO, TBW and FHLB-MPF and bank software CSI Nupoint, Laser Pro, GSS, Sparak, and BankServ. •Participated and promoted the Bank’s community activities and business functions to ensure a positive image for the bank. Show less



Independent Brokers Realty LLC

• United States
• Real Estate

• Real Estate Agent

  • Mar 2011 - Jun 2014

  Advised clients throughout the real estate process. Responsible for coordinating all aspects of the real estate transaction from the beginning to the closing table, including informing all parties involved the updates where each transaction is throughout the real estate process. Advised clients throughout the real estate process. Responsible for coordinating all aspects of the real estate transaction from the beginning to the closing table, including informing all parties involved the updates where each transaction is throughout the real estate process.



Security State Bank of Howard Lake

• United States
• Financial Services

• Assistant Vice President / Loan Officer / HMDA Officer

  • Sep 2001 - Oct 2011

  •Real estate, commercial, consumer and agriculture lending. Responsible for financial analysis/underwriting, lending compliance, closing, collection and following bank lending policies/procedures as related to the lending process. Co-developed, maintained and managed a profitable $19 million mixed loan portfolio which consisted of approximately 140 loan relationships. Monitored and oversaw the credit quality of the loan portfolio. Generated new business through prospecting, networking and referrals as well as expanding existing relationships. Cross-sold and retained existing relationships while maintaining asset quality. Consistently met and exceeded goals and expectations. •Made presentations of specific credit relationships and participated in the bank’s loan approval process, recommended approval and appropriate structure of credits. •Responsible for the HMDA compliance program including implementation and annual FDIC reporting for 10 branch locations. Identified, collected, and verified the reported loan data on approximately 200 reportable loan applications annually from the 10 branch locations. Managed data in the FFIEC data collection software. Informed loan officers and loan support staff of new HMDA regulations. Provided further HMDA documentation to the FDIC and other regulators as needed. Assisted with updating the internal HMDA procedures as needed. Attended the ICBM Compliance Network meetings as well as other bank related functions. Show less



Preferred Credit, Inc.

• United States
• Banking
• 100 - 200 Employee

• Collection Representative

  • Oct 2000 - Jun 2001

  •Phone debtors to inform them of their past due account, attempt to collect on their remaining balances, and follow all laws involved with the collection process. •Phone debtors to inform them of their past due account, attempt to collect on their remaining balances, and follow all laws involved with the collection process.