Experience

BankIowa

• United States
• Banking
• 1 - 100 Employee

• Commercial Portfolio Manager

  • Apr 2023 - Present

  Financial analysis and production of Credit Presentations for new credit requests, renewals and annual reviews. Prepare preliminary credit presentation including a detailed financial analysis to identify repayment ability, covenant compliance, collateral coverage, liquidity, leverage and a preliminary risk rating recommendation. Proactively solicit and collect required financial statements from customers to ensure renewals and annual reviews can be completed on time. Assist with other tasks assigned by the VP/Accounting Officer to provide backup and support bank wide for portfolio management including real estate evaluations, appraisal reviews, various loan portfolio board reports and loan committee agendas. Show less



Farmers State Bank

• United States
• Banking
• 100 - 200 Employee

• Mortgage Loan Officer

  • Jul 2020 - Feb 2023

  Originate, underwrite and close all forms of mortgage loans with accuracy adhering to secondary market guidelines and bank policy. Develop a strong network of relationships with local realtors, brokers and other influencers to expand lending relationships within our customer base. Work in close cooperation with management to make informed and appropriate lending decisions. Work with mortgage underwriters and processors to assure all loan documentation is accurate. Understand secondary market and internal bank underwriting requirements and keep up to date on changes to regulatory and compliance guidelines. Show less

• Credit Analyst

  • Mar 2020 - Jun 2020

  Complete the spreading of financials for annual reviews and new requests for both commercial and agricultural borrowers. Review and analyze financial information including tax returns, balance sheets, income statements and cash flow projections. Review and monitor loans booked according to approval from loan committee and board of directors. Examine collateral documentation including appraisals, security agreements and UCC filings. Understand commercial underwriting requirements and assist with the preparation of loan reports and presentations. Show less



Farm Credit Services of America

• United States
• Financial Services
• 700 & Above Employee

• Consumer Lending Officer

  • Nov 2015 - Feb 2019

  Conduct interviews with prospective mortgage applicants resulting in $12M in originations. Determine the appropriate mortgage loan product, terms and pricing to meet the customer's needs. Analyze and input an appropriate amount of financial information to support the credit decision process for loans meeting defined risk parameters. Make appropriate loan approval recommendations to support the credit decision with underwriting. Generate new mortgage lending opportunities by building lasting relationships with referral partners through marketing, prospecting and networking activities. Develop and maintain a significant professional presence throughout the local business community. Show less

• Closing Specialist

  • May 2015 - Oct 2015

  Direct and perform loan closing functions from the point of loan approval through loan booking. Maintain an understanding of and ensure compliance with all regulations and procedures associated with loan closing. Develop strong working relationships with customers by providing consistent high quality service. Monitor appraisal and closing conditions verifying all are met and cleared prior to loan closing. Work in a team environment to accomplish both retail office and corporate goals. Coordinate and prioritize workload for all loan closing functions. Show less



Ocwen Financial Corporation - US

• United States
• Financial Services
• 700 & Above Employee

• Loss Mitigation Analyst

  • Dec 1999 - Dec 2014

  Work with borrowers experiencing a hardship and develop a course of action including loan modification, forbearance and/or repayment plan. Review credit applications, prepare an appropriate business plan and present the business plan to the investor. Analyze financial data including paystubs, tax returns, credit reports and bank statements. Submit, monitor and obtain approvals through access of investor tools such as HSSN and WPII. Create and implement a custom calculator in collaboration with Business Analysts for use in obtaining modification terms on non-bulk reviews. Serve as a Subject Matter Expert and assist in training new associates. Show less



GMAC Mortgage

• 3451 Hammond Avenue, Waterloo Iowa 50704

• Mortgage Loan Officer

  • Aug 1992 - Dec 1999

  Assist borrowers in completing the mortgage application and obtain documentation to complete the mortgage file. Analyze all financial statements including tax returns, paystubs and bank statements on mortgage applications. Examine credit reports, title commitments, surveys, appraisals and other loan related information to ensure the loan fits investor guidelines. Calculate income/expense ratios and verify applicants meet all underwriting guidelines. Maintain a thorough knowledge of FNMA, FHLMC, VA and FHA origination and underwriting guidelines and programs. Mentor and train new Loan Officers and recommend best practices for continued success. Show less