Experience

First Savings Bank of Hegewisch

• United States
• Banking
• 1 - 100 Employee

• Vice President - Lending

  • May 2023 - Present

  Chicago, Illinois



Peoples Bank

• United States
• Banking
• 1 - 100 Employee

• Assistant Vice President - Mortgage Loan Originator

  • Jul 2015 - May 2023

  Munster, IN Through the merger of Liberty Savings Bank and People Bank SB, I have transitioned into the role of Mortgage Loan Originator in the fast growing Crown Point, Indiana market. I bring over 25 years of banking experience to my customers and have specialized in residential lending since 2001. I have vast experience in all facets of the lending process, including mortgage guidelines, financial review and analysis, and development of customized plans to help customers achieve their housing dream… Show more Through the merger of Liberty Savings Bank and People Bank SB, I have transitioned into the role of Mortgage Loan Originator in the fast growing Crown Point, Indiana market. I bring over 25 years of banking experience to my customers and have specialized in residential lending since 2001. I have vast experience in all facets of the lending process, including mortgage guidelines, financial review and analysis, and development of customized plans to help customers achieve their housing dream. My top priority is to assist consumers who are seeking mortgage loans and work with them from application through loan closing. In this role, I identify, develop and maintain a quality network of business relationships that serve as a recurring source of referrals for new mortgage lending opportunities. I have experience with financing home purchases, refinances, new construction and lot loans, specializing in conventional lending with a working knowledge of FHA and VA financing. Show less



Liberty Savings Bank, FSB

• United States
• Banking

• Vice President - Lending & Loan Operations

  • Apr 2001 - Jun 2015

  Whiting, Indiana As the Senior Lending Officer, I was responsible for all facets of residential and non-residential lending, including: oversight; loan origination; processing; underwriting; closing; servicing; and escrow. My experience and extensive knowledge of lending regulations and their relationship to internal guidelines and policies enabled me to direct and manage the lending process. Additionally, I was a member of ALCO committee responsible for developing and maintaining interest rates for loan… Show more As the Senior Lending Officer, I was responsible for all facets of residential and non-residential lending, including: oversight; loan origination; processing; underwriting; closing; servicing; and escrow. My experience and extensive knowledge of lending regulations and their relationship to internal guidelines and policies enabled me to direct and manage the lending process. Additionally, I was a member of ALCO committee responsible for developing and maintaining interest rates for loan products that is consistent with bank policies and market conditions. As the sole Underwriter, I maintained credit approval authority up to $250,000 and was responsible for preparing written presentations for credit requests fully assessing and exhibiting the request’s risk profile. In my underwriting role, I examined and analyzed credit reports, tax returns and financial statements including calculating performance ratios. Additionally, I reviewed and analyzed third party reports and data as well as complete independent research to analyze market conditions and assess collateral values. I also provided value-added feedback to Loan Originators regarding credit quality and loan structure including attending client calls as necessary and mentored the Originators in cultivating new business relationships. Prior to the hiring of a loss mitigation officer, was responsible for all collection and delinquency matters prior to OREO. Branch Manager and Loan Officer 4/2001 - 6/2010 My role was equally divided equally between branch management and loan origination. As the single branch manager and administrator for Liberty’s two branch offices, I ensured the proper day-to-day operations. Additionally in this role I successfully opened the second of these two branch offices. As the loan officer, I coordinated the lending operations of the branches from production to closing, this included cultivating new bank relationships through active involvement in the community. Show less



Citizens Financial Services, FSB

• United States
• Banking

• Assistant Secretary - Commercial Loan Officer

  • Oct 1989 - Apr 2001

  Munster, IN As a Commercial Loan Officer, I was responsible for cultivating and developing a loan portfolio of commercial clients with an annual sales goal of $10 million. I managed a loan portfolio of $80 million and maintained an approval authority of $100,000. Additionally, I assisted the Senior Commercial Loan Officer with Bond Credit enhancement transactions and managed the Bank’s participation on the Federal Home Loan Bank’s Affordable Housing Program.