Experience

First State Bank & Trust

• United States
• Banking
• 1 - 100 Employee

• Vice President, Real Estate Lending Compliance Officer, HMDA Officer

  • Jan 2023 - Present

  Tonganoxie, Kansas, United States

• Assistant Vice President / Real Estate Lending Compliance Officer / HMDA Officer

  • Aug 2014 - Present

  (Jan 2021) AVP / Real Estate Lending Compliance Officer / HMDA Officer (Jan 2020) AVP / Real Estate Lending Compliance Specialist / HMDA Officer (Apr 2016) Real Estate Lending Compliance Specialist / HMDA Officer (Aug 2014) Compliance Coordinator / HMDA Officer Daily internal review of all TRID Disclosures before issued to applicants. Quarterly post closing HELOC internal review procedures. Monthly HMDA Data collection and review procedures before and after data entry… Show more (Jan 2021) AVP / Real Estate Lending Compliance Officer / HMDA Officer (Jan 2020) AVP / Real Estate Lending Compliance Specialist / HMDA Officer (Apr 2016) Real Estate Lending Compliance Specialist / HMDA Officer (Aug 2014) Compliance Coordinator / HMDA Officer Daily internal review of all TRID Disclosures before issued to applicants. Quarterly post closing HELOC internal review procedures. Monthly HMDA Data collection and review procedures before and after data entry onto LAR Formatting Tool for annual submission to FDIC. Monthly Freddie Mac Quality Control Review submission to 3rd Party auditors and report results to Board of Directors. Monitor and Report all Bankruptcy Notifications and other Collections to CEO and CFO, includes frequent communications with Attorneys, Trustees, filing Proof of Claims and other Bankruptcy documentation as needed.

• Executive Administrative Assistant

  • Jan 2008 - Aug 2014

  Create new reports and generate monthly reports for the Board of Directors, Loan Officers, and other staff members, post, approve, and balance various General Ledger account transactions (Other Real Estate, Other Assets, Loan Loss Reserve, Legal Fee Expenses, Repossession Expenses, Accruals, Miscellaneous Expenses, etc.), track documentation and manage files, expenses, real estate tax accruals, and sales of all Deed-In-Lieu and Foreclosed Real Estate properties owned, various imaging… Show more Create new reports and generate monthly reports for the Board of Directors, Loan Officers, and other staff members, post, approve, and balance various General Ledger account transactions (Other Real Estate, Other Assets, Loan Loss Reserve, Legal Fee Expenses, Repossession Expenses, Accruals, Miscellaneous Expenses, etc.), track documentation and manage files, expenses, real estate tax accruals, and sales of all Deed-In-Lieu and Foreclosed Real Estate properties owned, various imaging responsibilities, QCD data entry, SBA reporting, maintain internal Approved Appraiser list, regular maintenance to personal job processes and procedures (written and cross training backup staff), as well as working with other employees to improve efficiencies in overall work flow among departments, create and modify internal forms used throughout Risk Management and Lending Departments, and also available as a contact for internal employees to assist in various research projects and problem solving.

• Loan Operations Manager

  • Sep 2006 - Jan 2008

  Manages two supervisors who supervise a total of nine additional employees in the Loan Quality & Loan Processing Departments, responsible for overall direction, coordination, and evaluation of these units, carry out supervisory responsibilities in accordance with the Bank's policies, regulations, and laws, planning, assigning, and directing work, address complaints and resolve grievances, performance evaluations, salary recommendations, training, motivation, teamwork, career development… Show more Manages two supervisors who supervise a total of nine additional employees in the Loan Quality & Loan Processing Departments, responsible for overall direction, coordination, and evaluation of these units, carry out supervisory responsibilities in accordance with the Bank's policies, regulations, and laws, planning, assigning, and directing work, address complaints and resolve grievances, performance evaluations, salary recommendations, training, motivation, teamwork, career development, hiring, termination, liaison between departments to ensure good communication and smooth process flow while maintaining efficiencies, review and recommend to Sr. Loan Officer and Executive Management new software, software contracts, and hardware purchases for the lending function, daily research and problem solving, plan and conduct regular department meetings, employee schedules, etc.

• Senior Credit Specialist

  • Apr 2003 - Sep 2006

  Document & exception tracking. Internal & external communications with lenders & various agencies. Loan entry & loan reviews. Implemented HMDA program. Supervisory responsibilities, training, performance reviews, scheduling, job assignments, etc.

• Credit Specialist

  • May 1999 - Apr 2003

  Loan document review & exception tracking. Reporting loan activity to Loan Committee. Process all denied and withdrawn applications. Enter & balance all Real Estate Account transactions.

• Teller

  • Aug 1998 - May 1999

  Customer service, cash handling, and balancing coin machine daily.