Ryan Sesker

• Developed strong relationships with clients, earning their trust and loyalty through consistent communication and portfolio updates.
• Negotiated favorable terms for clients during transactions with Banks, Credit Unions, and Private Equity firms.
• Answered inquiries and provided information to Lenders and Account Executives, distributed appropriate paperwork, and fulfilled quote requests to deliver excellent customer support through the closing process.
• Worked closely with other professionals, such as attorneys and accountants, to provide comprehensive financial planning services for high-net-worth individuals.
• Discussed financial options with clients and provided informed suggestions.
• Supported businesses in setting up joint ventures with investors in commercial and construction markets.
• Assisted in capital-raising efforts with investors for development projects.
• Adapted quickly to changing market conditions, adjusting client strategies accordingly while maintaining open lines of communication throughout periods of uncertainty.

• Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
• Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.
• Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
• Developed extensive network of referral partners to source new mortgage loan opportunities.
• Maintained a comprehensive knowledge of current industry trends and regulatory changes to provide expert guidance for clients.
• Negotiated loan terms and conditions with clients to maximize profitability.

Maintained compliance with laws and regulations governing commercial loans

• Managed up to $36M personal loan portfolio
• Obtained and reviewed corporate financial statements
• Built trust and promoted customer loyalty throughout the underwriting process
• Conducted interviews and reviewed financial history, credit, and property evaluations of each customer
• Collaborated with credit analysts to evaluate loan applications, ensuring accurate risk assessment
• Managed a diverse portfolio of commercial loans, consistently achieving annual performance target
• Continuously monitored industry trends and regulatory changes, ensuring compliance with all federal, state, and local regulations
• Monitored pipelines to track and log the status of loans
• Contributed to a positive work environment through open communication and active participation in team meetings and events
• Approved loan applications based on customer creditworthiness and provided detailed financial advice.

• Charged with growing consumer mortgage loan portfolio and secondary market mortgage lending segment
• Identified opportunities for mortgage portfolio products that did not fit secondary market guidelines but were considered good asset quality
• Sold loans to the secondary markets, generating non-interest income for the credit union
• Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
• Analyzed loan applications and credit reports to determine loan eligibility and risk level.

• Charged with growing the consumer loan portfolio through home equity, balloon and first mortgages and developing a larger market presence within the credit union community
• Diversifying growth channels by aggressively utilizing Indirect lending with Automotive, RV/Boat, and Motorcycle dealerships and purchasing bulk dealer paper
• Received an 'Outstanding' performance rating on '11 through '17 annual reviews
• Considered the 'go-to' person for complicated loan requests in regard to loan structure and work out situations
• Implemented new vendor services to streamline previous bottlenecking in real estate loan operating procedures drastically reducing the processing time and closing
• 2018 Mid-Year NCUA results showing a .61% portfolio delinquency, half of the national peer group average of 1.37% while at the same time increased the loan growth 14x over peer group
• ROA is .66% or 3 times our peer group of .21%
• Net income 4.5x over 2012 at midyear
• Improved loan approval process efficiency by streamlining documentation and application procedures
• Reduced loan processing time by implementing efficient workflow management systems.

• Brought on board as 2nd employee for new branch office; assumed prominent role spearheading development and implementation of SOP's, systems and procedures impacting all facets of loan processing
• High-profile management position charged with administering cost center for secondary market via FHA and Conventional loans generating up to $15M in personal loan volume annually
• Originate and oversee construction, and residential real estate loan portfolios to ensure quality control and risk management
• Managed personal real estate portfolio of $7M
• Provide strategic consulting services leveraging in-depth banking knowledge and expertise to originate and process loans within wholesale business pipeline
• Play critical role in identifying and developing new business opportunities
• Nominated for distinguished 'Focus on Success' Award in 2009 with Bank Iowa
• Created and executed hard-hitting business plans that despite largest real estate downturn in 24 years, achieved and maintained 3-year revenue increase of 10% annual growth for secondary market
• Guided solid growth driving branch asset base from zero to $67M in less than six years
• Achieved outstanding results in risk assessment-Personal Loan Officer total charge-offs since 2004 less than $10K, Resigned from Bank Iowa with zero dollars in classified loans
• Challenged to develop and roll out SOP's for bank-wide secondary market loans that comprised 7 charters totaling $1B in total assets
• Introduced and integrated new secondary market origination software with Calyx Point that notably repositioned Bank Iowa favorably against competitors.

• Managed and directed night operations including supervision, training and mentoring of staff
• Oversaw and measured productivity; identified problems and implemented improvement strategies
• Coordinated communications and transactions involving deposit and loan accounts; key player in sales function
• Assumed additional responsibility for auditing, underwriting and bulk loan purchases
• Selected to serve on Tier 1.5 Information Technology Support Group challenged to resolve escalated customer IT issues
• Innovative hands-on operating leadership delivered strategies to notably improve customer retention.

• Earned fast-track promotion during merger of Mid-Iowa Savings Bank; appointed to serve in critical role supporting day-to-day operations including credit analysis and loan origination
• Planned and led all savings and investment accounts transactions including opening, closing and maintenance
• Balanced and maintained Automated Teller Machine
• Responsible for multi-level branch audits to meet Federal compliance regulations
• In prior role as Personal Banker, assumed integral member of opening team for new West Des Moines Branch; assisted in developing branch marketing plan and played a key role in customer relations and dispute resolution
• Pivotal role on Merger Team providing strategic and tactical execution to drive migration between First Federal Bank of Sioux and Mid-Iowa Savings Bank
• Concerted efforts led to honor as the first and only 100% score from Secret Shopper audit
• Leveraged cross-selling techniques to assist in customer retention and bank expansion initiatives.