Ian Kohler
Huntington National Bank
West Bloomfield
2
Languages
7
years of professional experience
Results-driven professional with expertise in loan servicing, documentation review, and regulatory compliance. Proven ability to mitigate risks and enhance client relations while managing high-volume portfolios.
Work History
Project Lending Consultant
1 Year 4 Months- Served as the primary risk control for SBA loan disbursements, exercising independent judgment to approve, delay, or deny funding requests based on regulatory requirements, loan authorizations, and Huntington risk policies.
- Protected the bank from financial, operational, and regulatory risk by conducting comprehensive due diligence on draw requests, validating project progress, and ensuring all funding conditions were satisfied before releasing proceeds.
- Mitigated fraud risk by authenticating borrower identities, validating vendor information, reviewing invoices and proof of payment for authenticity, and ensuring disbursements aligned with approved business purposes.
- Maintained audit-ready loan files by documenting funding decisions, exception approvals, borrower communications, and supporting documentation, ensuring transparency and regulatory readiness.
- Balanced a high volume portfolio while consistently meeting service-level expectations, prioritizing risk without sacrificing operational efficiency or the customer experience.
Financial Relationship Banker
1 Year 10 Months- Conducted comprehensive identity verification and account-opening reviews by validating customer identification, CIP requirements, OFAC screening, and supporting documentation before establishing new consumer relationships, reducing regulatory and fraud risk.
- Evaluated consumer loan applications by analyzing income, debt-to-income ratios, credit reports, collateral, and supporting documentation to ensure lending decisions aligned with Huntington's credit policy and regulatory requirements.
- Exercised approval authority on complex transactions by verifying documentation, reviewing signature authenticity, confirming available balances, and ensuring transactions complied with internal policy before processing.
- Protected confidential customer information by strictly adhering to privacy regulations, authentication procedures, and information security standards during every customer interaction.
Teller Supervisor
1 Year- Performed end-of-day reconciliation of all teller cash drawers, vault cash, ATM cash, and branch cash totals, researching and resolving balancing discrepancies before close of business to maintain an accurate general ledger and reduce operational loss.
- Reviewed and approved teller overrides for transactions exceeding authorization limits, verifying customer documentation, signatures, transaction legitimacy, and policy requirements before authorizing completion.
- Investigated teller outages by tracing transaction history, reviewing transaction journals, cash tickets, system activity, and supporting documentation to determine root cause and implement corrective action.
- Coordinated armored carrier cash shipments by reconciling incoming and outgoing currency, verifying shipment totals under dual control, and documenting all activity to preserve chain of custody.
Universal Banker
3 Years 2 Months- Executed first-line risk management responsibilities by ensuring all customer transactions, account openings, and servicing activities complied with federal banking regulations, PNC policies, and established internal controls.
- Applied risk-based decision-making when processing deposits, withdrawals, cashier's checks, account maintenance requests, and loan applications by validating customer authorization, documentation, and policy requirements prior to execution.
- Reduced operational risk by identifying recurring process insufficiencies, documentation errors, and control gaps, proactively correcting issues before they resulted in customer impact, audit findings, or financial loss.
- Monitored customer transactions for suspicious activity, structuring, check fraud, identity theft, and other financial crime indicators, escalating concerns through established BSA/AML procedures and risk reporting channels.
Education
M.B.A. - Information Systems Management
Bachelor of Arts - Secondary Education
Skills
Loan servicing
Consumer lending
Commercial lending
Credit analysis
Documentation review
Project financing
Risk assessment
Regulatory compliance
Multilingual communicationpanish
Client relations
Problem-solving
Bilingual in Spanish
Languages
English
Native or Bilingual
Spanish
Full Professional
Timeline
Project Lending Consultant
Huntington National Bank
03.2025 - 07.2026Read More
Financial Relationship Banker
Huntington National Bank
05.2023 - 03.2025Read More
Teller Supervisor
PNC Bank
04.2022 - 04.2023Read More
Universal Banker
PNC Bank
02.2019 - 04.2022Read More
Wayne State University
M.B.A. from Information Systems Management
Read More
University of Michigan
Bachelor of Arts from Secondary Education
Read More