Heath F. Utter
Oneonta
Summary
Dedicated financial professional offering more than 12 years of expertise in banking, finance and office management. Skillful in leading financial operations such as purchasing, accounting, reporting, payroll and preparation of reports.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Deputy Treasurer
Franklin Central School District
01.2023 - Current
- Responsible for assisting with all district financial matter, reporting directly to and working closely with the School Business Manager.
- Daily duties included purchasing, accounts payable, accounts receivable, journal entries, maintenance of general and subsidiary ledgers, payroll, bank reconciliations, preparation of periodic
financial reports, and budget development and implementation. - Served as the district’s extra-classroom treasurer and tax collector.
- Reconciled monthly statements, invoices and expense accounts, keeping records accurate, and current.
- Advised management regarding significant expenditures to keep operations in line with budget limitations.
- Regularly worked with Microsoft Office and G-Suite
Office Manager
Ace Glass
10.2020 - 12.2023
- Maintained computer and physical filing systems.
- Oversaw billing, collection of receivables both current and past-due, stock ordering and shipment receiving.
- Utilized QuickBooks to perform payroll, manage balance sheets, oversee tax liability, create profit and loss reports and trial balance reports.
- Managed daily cash flow including petty cash
- Communicated with vendors to handle invoices, procure materials and supplies, and solve billing issues.
- Regularly interfaced with customers in person, online, and via telephone to manage product inquiries, provide job quotes, and ensure personalized customer service.
- Managed appointment scheduling to optimize productivity.
Loan Coordinator
Homestead Funding Corp.
12.2018 - 04.2019
- Originated, reviewed, processed, closed and administered customer loan proposals as a licensed NYS Mortgage Loan Originator.
- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Recommended loan approvals and denials based on customer loan application reviews.
Branch Manager
KeyBank
10.2016 - 12.2018
- Oversaw daily branch operations including regulatory compliance and management of operational processes.
- Maintained friendly and professional customer interactions.
- Served as primary client contact for all lending needs, from small business to personal accounts.
- Assessed employee performance and developed improvement plans.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Developed community business relationships through local Chamber of Commerce events.
Assistant Vice President/Loan Department Manager
National Bank Of Delaware County
04.2009 - 05.2012
- Levied bank lending authority to initiate and maintain consumer and commercial loans and mortgages.
- Attended weekly meetings and special sessions of Leadership and Executive Leadership Teams and contributed to major administrative initiatives, policies and decisions.
- Communicated with leadership teams to assist with administrative initiatives and decisions and attended weekly meetings to support policy changes.
- Initiated and completed SBA 7a loans, guarantees, risk rating and credit reviews.
- Supervised a staff of 6 including writing performance reviews.
- Managed a multi-million dollar loan portfolio with no defaulted accounts.
- Managed collection of the bank's outstanding charged-off and delinquent loans.
- Streamlined the collections process, vastly decreasing need for outsourcing to legal counsel.
- Handled management of all foreclosures and bank-owned properties.
- Educated loan applicants regarding personal financial responsibility.
Branch Manager/Credit Analyst
Delaware National Bank Of Delhi
01.2004 - 04.2009
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Made decisions and recommendations about extending lines of credit.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Working closely with bank president, acted as primary contact during construction of Davenport branch in 2008.
- Monitored and enacted branch marketing plan.
- Supervised staff of 4 customer service representatives and tellers, conducting weekly staff meetings and managing staff scheduling.
- Maintained and updated branch operational procedures.
Undergraduate Admissions Counselor
State University Of New York At Delhi
08.2003 - 11.2003
- Represented the college to prospective students at high school recruitment activities.
- Counseled diverse population of applicants regarding college admissions process.
- Maintained student database and electronic records for each student contact.
- Educated students on course selection to align with career goals.
- Traveled to multiple sites.
Customer Service Manager
Wilber National Bank
06.2000 - 06.2003
- Performed daily customer service duties, including opening and maintaining accounts.
- Resolved customer complaints while prioritizing customer satisfaction and loyalty.
- Managed branch ATM and vault.
- Promoted sale of all banking products.
- Concentrated on writing installment loans, mortgages, home equity and commercial loans.
- Followed through with client requests to resolve problems.
Bank Teller
Tallahassee State Bank
06.1997 - 08.1997
- Built and strengthened customer relationships by leveraging excellent interpersonal and communication skills.
- Reconciled cash drawer and resolved discrepancies.
- Counted and packaged currency and coins.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
Education
Bachelor of Science - Business Economics
State University of New York, College At Oneonta
Oneonta, NY05.2000
Associate in Business Administration -
State University of New York, College At Delhi
Delhi, NY05.1997
Skills
- Information Confidentiality
- Microsoft Office including Word and Excel
- QuickBooks
- Financial Statements
- Verbal and Written Communication
- Operational Reporting
- Scheduling and Coordinating
- Office Management
- Policy and Procedure Modification
- Administration and Reporting
Affiliations
Voted to Board of Directors for Oneonta Country Club, serving as Treasurer, 2018 to 2020
Member of Board of Directors for Family Service Association of Oneonta, 2019 to 2022
Certification
Mortgage Loan Originator (NMLS ID #458571)
New York State Insurance Agent for Life, Accident & Health- Licensure obtained in 2003
Timeline
Deputy Treasurer
Franklin Central School District
01.2023 - Current
Office Manager
Ace Glass
10.2020 - 12.2023
Loan Coordinator
Homestead Funding Corp.
12.2018 - 04.2019
Branch Manager
KeyBank
10.2016 - 12.2018
Assistant Vice President/Loan Department Manager
National Bank Of Delaware County
04.2009 - 05.2012
Branch Manager/Credit Analyst
Delaware National Bank Of Delhi
01.2004 - 04.2009
Undergraduate Admissions Counselor
State University Of New York At Delhi
08.2003 - 11.2003
Customer Service Manager
Wilber National Bank
06.2000 - 06.2003
Bank Teller
Tallahassee State Bank
06.1997 - 08.1997
Bachelor of Science - Business Economics
State University of New York, College At Oneonta
Associate in Business Administration -
State University of New York, College At Delhi
Mortgage Loan Originator (NMLS ID #458571)
New York State Insurance Agent for Life, Accident & Health- Licensure obtained in 2003
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