ANGELA LUSHBOUGH
IOLA,KS
Summary
An optimistic and energetic Financial Professional with 15+ years of experience building strategic relationships and conquering revenue goals in rapidly evolving markets. Engaging leadership style bolstered by a dynamic mindset and talent for strategies that support future-growth objectives and the core mission of the organization; excellent time management, multi-tasking, planning, and prioritization skills. Skilled in analyzing an applicant's financial information and circumstances to determine whether the applicant and the property qualify for a particular loan and assist in identifying a loan appropriate for their individual circumstances. Adept in document drafting, negotiation, market research, and client analysis. Capable of quickly determining whether applicants have the reasonable ability to repay and that the loan is adequately designed to achieve their financial goals.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Virtual Claim Service Representative
Farmers Insurance Agency
11.2023 - Current
- Maintained detailed records of claim investigations, ensuring proper documentation and adherence to regulatory guidelines.
- Improved claim resolution times with thorough investigation and communication with involved parties.
- Expedited urgent cases for prompt resolution, minimizing delays for customers in need of immediate assistance or benefits payout.
- Participated in quality assurance reviews to ensure accuracy and consistency in claim handling processes across the department.
- Upheld the highest level of confidentiality when handling sensitive client information, maintaining a strong reputation for integrity and discretion.
- Delivered clear explanations of complex policy language and coverage details so that clients could make informed decisions about their options.
- Managed a high-volume workload, prioritizing tasks for efficient claim processing.
- Provided ongoing training to new team members, sharing expertise in claims procedures, policies, and best practices.
VICE PRESIDENT
COMMUNITY NATIONAL BANK & TRUST
01.2020 - 11.2023
- Responsible for consumer installment, residential, small commercial and agricultural credit
- Includes including asset analysis, cash flow models, and profitability models
- Leveraged excellent communication to assess clients' needs and the status of applications in the pipeline, designed innovative solutions, and participated in the full decision-making process
- Duties also include routine calling efforts with local businesses, realtors, and insurance agents to attract new and expand on existing business opportunities
- As a Vice President also provides back up support as branch manager
- Gathered the necessary documentation from each applicant, the applicant's representative, insurance companies, and local, state & federal government agencies, along with other sources
- Recommended applications for approval, decline, or withdrawal to supervisory loan officer with justifications covering eligibility, credit, repayment ability, insurance, collateral, and other items as needed
- Identified competitively priced loans based on risk and profitability, serviced loan portfolios including satisfying conditions/covenants, prepared customer loan service plans, established and maintained sound loan administration
- Assisted the applicants in finding additional forms of assistance in the event they were ineligible for the loan program
- Advised customers of loan decisions, provided expert advice, and counseled the customer related to their financial position and future credit needs
- Constructed stipulations for the loan authorization agreement with guidance from Legal for unique situations
- Reviewed the terms of each loan, stipulations for receiving loan funds, insurance requirements, and other items on the loan authorization agreement with the applicant prior to making an approval recommendation
- Credit Analysts Committee bank wide to assist other officers on financial spreads
- Appraisal Review Committee, completing reviews on 3rd party appraisals and internal evaluations
- Completed accounts payable for Humboldt branch.
FINANCIAL EXAMINER
STATE BANK COMMISSIONER OF KANSAS
01.2018 - 01.2020
- Ensure the safety and soundness of banks and their compliance with applicable laws, rules and regulations
- Conduct safety and soundness examinations of bank's capital, asset quality, management and supervision, earnings, liquidity, and sensitivity to market risk
- Assess systemic and operational risk exposure applicable to bank
- Function as an Examiner-in-Charge (EIC) during regulatory examinations
- Facilitated training on basic bank examination functions that enable staff to measure and evaluate the performance level and risk inherent in financial institutions
- Remain knowledgeable of functions associated with the assessment of the institution's ability to evaluate, identify, measure, monitor, and control risks
- Verify the bank's reporting accuracy on internal documents and standardized industry forms
- Utilize awareness of Banks Secrecy Act (BSA) and/or knowledge of Information Technology use, credit administration, and credit quality assessment.
CONSUMER LOAN OFFICER / LOAN PROCESSOR / CREDIT ANALYST
COMMUNITY NATIONAL BANK & TRUST
01.2012 - 01.2018
- Engaged in all phases of underwriting loans on behalf of large nation-wide franchises, including asset analysis, cash flow models, and profitability models
- Leveraged excellent communication to assess clients' needs and the status of applications in the pipeline, designed innovative solutions, and participated in the full decision-making process
- Processed loan applications from individuals and determined what information and documentation was needed on a case-by-case basis
- Gathered the necessary documentation from each applicant, the applicant's representative, insurance companies, and local, state & federal government agencies, along with other sources
- Recommended applications for approval, decline, or withdrawal to supervisory loan officer with justifications covering eligibility, credit, repayment ability, insurance, collateral, and other items as needed
- Identified competitively priced loans based on risk and profitability, serviced loan portfolios including satisfying conditions/covenants, prepared customer loan service plans, established and maintained sound loan administration
- Assisted the applicants in finding additional forms of assistance in the event they were ineligible for the loan program
- Advised customers of loan decisions, provided expert advice, and counseled the customer related to their financial position and future credit needs
- Constructed stipulations for the loan authorization agreement with guidance from Legal for unique situations
- Reviewed the terms of each loan, stipulations for receiving loan funds, insurance requirements, and other items on the loan authorization agreement with the applicant prior to making an approval recommendation.
Education
BACHELOR OF SCIENCE - ECONOMICS (MAGNA CUM LAUDE) - Business Economics
12.2012
Bachelor of Science- Economics
ASSOCIATE OF ARTS-SECONDARY EDUCATION -
Skills
- Consult cross-functional, peak-performing teams to champion business development initiatives and delegate tasks that control costs and inspire customized solutions to organizational challenges
- Respected as a strong people leader excelling at building, developing, and mentoring teams in providing high-quality, meaningful insight to senior management and other stakeholders for short- and long-term results
- Technical proficiencies in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), Horizon Systems, Compliance One, Bancline System, Teller Plus, and Accountfolio
- Banking Operations
- Factual Research
- Client Representation
- Contracts & Negotiation
- Business Development
- Client Relations
- Accounting & Bookkeeping
- Market Analysis
- Product Marketing
- Consulting
- P&L
- Strategic Planning
- Operations Management
- Risk Management
- Budgeting
- Cost-Benefit Analysis
- Financial Analysis
- Policy Development
- Conflict Resolution
- Documentation
- Data-Driven Decisions
- Stakeholder Relationships
Certification
- PHI THETA KAPPA
- LENDING PRINCIPLES I KANSAS - NEBRASKA SCHOOLS OF BANKING
- CONFERENCE OF STATE BANK SUPERVISORS BANK ANALYSIS SCHOOL I BOSTON, MA
Personal Information
2065 1600th Street
Iola, KS 66749
620-228-8214
https://www.linkedin.com/in/angela-lushbough-a104a847
Timeline
Virtual Claim Service Representative - Farmers Insurance Agency
11.2023 - Current
VICE PRESIDENT - COMMUNITY NATIONAL BANK & TRUST
01.2020 - 11.2023
FINANCIAL EXAMINER - STATE BANK COMMISSIONER OF KANSAS
01.2018 - 01.2020
CONSUMER LOAN OFFICER / LOAN PROCESSOR / CREDIT ANALYST - COMMUNITY NATIONAL BANK & TRUST
01.2012 - 01.2018
EMPORIA STATE UNIVERSITY - BACHELOR OF SCIENCE - ECONOMICS (MAGNA CUM LAUDE), Business Economics
ALLEN COUNTY COMMUNITY COLLEGE - ASSOCIATE OF ARTS-SECONDARY EDUCATION,