Hi, I’m
Karrie Middendorf
Wyoming,Minnesota
Summary
Experienced and results driven Operational Leader with a strong background in banking regulations, policy development, consumer loan origination and servicing processes, and team leadership. Proven ability to manage multiple priorities and drive continuous improvement in operations.
Overview
28
years of professional experience
Work History
Bremer Financial ServicesLake Elmo
Retail Loan Origination Manager
10.2023 - Current
Job overview
- Manage a team of 10 staff members responsible for underwriting, document preparation, and mortgage and consumer servicing.
- Lead, coach, and direct staff, including, vendor management, and overall operations.
- Responsible for implementation of system upgrades for DecisionPro and LaserPro, including administrative changes in LaserPro.
- Ensure compliance with regulatory standards and drive continuous improvement across loan servicing teams.
- Transform and drive change across retail origination teams.
- Lead key strategies in partnership with business segment leaders and operations segment leaders, executing on all aspects of retail.
- Participate in projects including new products and credit or regulatory initiatives, following prescribed project management concepts and practices.
- Collaborate with Product, Credit, Risk, Technology, and Operations teams to enhance processes and meet regulatory requirements.
- Participate in various audits and external exams.
Bremer Financial ServicesLake Elmo
Retail Loan Processing/Post Close/Records Manager
02.2014 - 10.2023
Job overview
- Manage a team of 14 staff members to ensure proper documentation, uploading, file review, perfection and releasing of collateral and imaging.
- Responsible for leading, coaching, and directing staff members including, testing and implementation of system upgrades system administrative changes, vendor management, and overall operations.
- Ensured compliance with regulatory standards, including participating in various audits and external exams.
Bremer Financial ServicesLake Elmo
Retail Loan Processing Lead
04.2001 - 02.2014
Job overview
- Played a key role in developing and implementing a new lending system.
- Trained new staff and documented complex loan documents.
First Federal Savings BankEau Claire
Assistant Manager
10.1997 - 01.2001
Job overview
- Responsible for customer prospecting and selling banking products.
- Originated consumer loans and managed branch operations.
Skills
- Ability to take complex concepts and communicate them in a clear, meaningful manner
- Policy and procedure documentation development
- Application of banking regulations to operational processes in a manner designed to mitigate risk
- Staff development and leadership by establishing an inclusive, creative atmosphere
- Lending systems expertise
- Agile project management
Phone
cell, 651-278-4364
Major Accomplishments
- Created New Customer-Facing Role: Developed a role for PMI cancellation, escrow cancellation and setup, property-related changes, release of liability, and insurance claims, enhancing customer service and operational efficiency.
- Participated in HELOC Pilot Launch: Contributed to the pilot launch of processing HELOC applications through the Encompass platform, successfully completed by the end of 2024.
- Implement ServiceNow: Integrated ServiceNow into the origination process, improving reporting capabilities and streamlining operations.
- DocuSign Implementation: Created and implemented a process for using DocuSign for retail loans, significantly increasing efficiency.
- Led Imaging Project: Co-led a project to image over 4,000 mortgage and consumer loan files into the system, ensuring better document management.
- Leadership Academy Graduate: Completed the Leadership Academy in 2019, enhancing leadership skills and strategic thinking.
- CEO Round Table: Recognized as a CEO Round Table winner in 2018 for outstanding performance and contributions.
- Best of Bremer Award: Honored with the Best of Bremer award in 2015 for exceptional service and achievements.
Work Preference
Work Type
Full TimeWork Location
RemoteHybridOn-SiteImportant To Me
Work-life balanceCompany Culture401k matchTimeline
Retail Loan Origination Manager
Bremer Financial Services
10.2023 - Current
Retail Loan Processing/Post Close/Records Manager
Bremer Financial Services
02.2014 - 10.2023
Retail Loan Processing Lead
Bremer Financial Services
04.2001 - 02.2014
Assistant Manager
First Federal Savings Bank
10.1997 - 01.2001
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