Joseph Penning
Atchison,KS
Summary
Experienced Loan Officer and team player adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Formerly managed a team of three credit analysts
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Loan Officer
Mo-Kan Regional Council
Saint Joseph, MO
06.2022 - Current
- Developed strong relationships with borrowers, resulting in high levels of customer satisfaction and repeat business.
- Cultivated referral network with real estate agents, builders, and other professionals to generate new business leads.
- Managed a diverse portfolio of loans while maintaining low default rates through careful risk assessment and proactive borrower support.
- Assisted management in preparing annual budget forecasts based on historical data analysis and anticipated market conditions.
- Provided exceptional customer service during loan origination, addressing client concerns and ensuring a smooth process from start to finish.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
Assistant Vice President & Branch Manager
Exchange Bank & Trust
Atchison, KS
06.2013 - 06.2022
- Increased efficiency by streamlining processes and implementing new software tools for the team.
- Reduced costs by negotiating vendor contracts and identifying areas for potential savings within department budgets.
- Fostered strong relationships with clients by addressing their needs promptly and providing personalized financial solutions.
- Conducted regular audits of branch operations to maintain compliance with internal policies and external regulations.
- Resolved escalated customer issues quickly and efficiently while demonstrating empathy towards clients' concerns resulting in higher customer retention rates.
- Examined customer loan applications for loan approvals and denials.
- Reduced risk exposure through thorough underwriting and diligent review of loan applications.
- Conducted financial statement analysis to determine borrowers'' creditworthiness and repayment capacity.
- Reduced delinquency rates with proactive account monitoring and timely communication.
- Increased recoveries by negotiating favorable repayment terms for clients and customers.
Education
Certificate - Public Administration
Fort Hays State University
Hays, KS05.2025
Bachelor of Science - Agriculture
Fort Hays State University
Hays, KS05.2013
No Degree - General Studies
Highland Community College
Highland, KS05.2010
Skills
- Application Preparation
- Time Management Efficiency
- Problem Solving Capabilities
- Conflict Resolution Competence
- Adaptability and Flexibility
- Effective Communication
- Credit Analysis Proficiency
- Interviewing
- Information Verification
Certification
- Nonprofit Ready: HR Management and Financial Management
Civic Membership
- ELKS Lodge of Atchison Kansas
- Northeast Kansas Enterprise Facilitation Resource Board Member
- Northwest Missouri Enterprise Facilitation Resource Board Member
- Economic Development Advisory Group Member for the City of Atchison Kansas
- Cup of Joe: Small business Networking group steering committee member
Timeline
Senior Loan Officer
Mo-Kan Regional Council
06.2022 - Current
Assistant Vice President & Branch Manager
Exchange Bank & Trust
06.2013 - 06.2022
Certificate - Public Administration
Fort Hays State University
Bachelor of Science - Agriculture
Fort Hays State University
No Degree - General Studies
Highland Community College