Kristy L. Petersen
Gering,NE
Summary
Results-driven leader with strong background in financial analysis, budgeting and forecasting. Well-versed in producing reports and evaluating department operations with demonstrated success of revenue generation. Organized, proactive, and adaptable to changing markets.
Overview
22
22
years of professional experience
1
1
Certification
Work History
BRANCH MANAGER - VICE PRESIDENT
RIVERSTONE BANK
GERING, NE
05.2023 - 12.2025
- 45 Hours/Week
- Staff management to include hiring, training and development with performance appraisals, compensation reviews, promotions and terminations, as appropriate
- Commercial, consumer and mortgage lending and servicing to include credit underwriting, analysis and collateral evaluation
- Bank revenue development - $21 million increase in year 1
- Financial reporting to Board and Stockholders
- Provide customers with financial advice and product recommendations
- Complied with regulatory guidelines and requirements.
- Improved overall financial reporting by streamlining control processes and reporting structures.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Designed and maintained financial models to identify and measure risks with further policy development.
- Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
- Vendor contract review/negotiations
COMMERCIAL LENDER - VICE PRESIDENT
PLATTE VALLEY BANK
SCOTTSBLUFF, NE
11.2010 - 05.2023
- 45 Hours/Week
- Commercial/consumer lending and servicing to include credit underwriting, analysis and collateral evaluation
- Completion of Loan Presentation Memorandums
- Board reporting
- Quarterly reporting on classified loans
- SBA & USDA loans
- Led the Payroll Protection Initiative for company
- Manage relationships with commercial bank customers
- Prospect for new business while retaining/expanding existing relationships
- Provide financial advice to bank customers
- Sell appropriate bank products and services
- Cross-sell and refer when appropriate
LOAN SPECIALIST
SMALL BUSINESS ADMINISTRATION
TELEWORK
08.2020 - 04.2021
- 40-60 Hours/Week
- Process home and/or business loans and make recommendations on collateral needed to secure loans.
- Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.
- Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.
- Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.
- Process loan applications on web-based computer system.
- Respond orally and/or in writing to applicants or their representatives.
FINANCIAL ANALYST
BANNER HEALTH
OGALLALA, NE
10.2008 - 11.2010
- 40 Hours/Week
- Budget preparation - $55 million
- Detailed financial forecasting
- Production of cost reports for Medicare reimbursement
- Creation and monitoring of department financial action plans.
- Monthly audits to ensure compliance
- Billing office supervision
GRANT WRITER
SELF
SCOTTSBLUFF, NE
06.2004 - Current
- 15 Hours/Week
- Grant writing and administration for several entities – most recently awarded $230,000 energy grant for Perkins County, Nebraska.
- Certified Communities Program
HOUSING SPECIALIST
TWIN CITIES DEVELOPMENT
SCOTTSBLUFF, NE
11.2005 - 05.2007
- 40 Hours/Week
- Write and administer grants for housing and community development
- Create marketing presentations for potential out of area recruits
- Monitor expenditures and contracts on development and housing programs
- Preparation of monthly financial statements for Board of Directors
- REACH homebuyer education instructor
- Certified Community Development Block Grant Administrator
Education
Master's Degree - Business Administration
CHADRON STATE COLLEGE
CHADRON, NE01.2020
Bachelor's Degree - Business Administration - Option in Management
CHADRON STATE COLLEGE
CHADRON, NE01.2010
Associate of Arts Degree - undefined
WESTERN NEBRASKA COMMUNITY COLLEGE
SCOTTSBLUFF, NE01.2005
Graduation - General studies
SCOTTSBLUFF HIGH SCHOOL
SCOTTSBLUFF, NE01.1998
Skills
- Strong research skills
- Grant proposal development
- Institutional fundraising
- Operational efficiency
- Portfolio management
- MS office suite
- GAAP and statutory reporting
- Financial consulting
- Auditing
- Forecasting trends
- Research and data analysis
- Advanced financial analysis
- SQL
Accomplishments
Successfully led the Payroll Protection Program for 8 banks in Nebraska, Colorado and Wyoming
$21 million revenue increase in Year 1 as Branch Manager
BPW Young Careerist
Voted Class Speaker for Leadership Scottsbluff
Certification
Community Development Block Grant Administrator
REACH Homebuyer Education Certified Teacher
Substitute Teaching License - State of Nebraska
Timeline
BRANCH MANAGER - VICE PRESIDENT
RIVERSTONE BANK
05.2023 - 12.2025
LOAN SPECIALIST
SMALL BUSINESS ADMINISTRATION
08.2020 - 04.2021
COMMERCIAL LENDER - VICE PRESIDENT
PLATTE VALLEY BANK
11.2010 - 05.2023
FINANCIAL ANALYST
BANNER HEALTH
10.2008 - 11.2010
HOUSING SPECIALIST
TWIN CITIES DEVELOPMENT
11.2005 - 05.2007
GRANT WRITER
SELF
06.2004 - Current
Bachelor's Degree - Business Administration - Option in Management
CHADRON STATE COLLEGE
Associate of Arts Degree - undefined
WESTERN NEBRASKA COMMUNITY COLLEGE
Graduation - General studies
SCOTTSBLUFF HIGH SCHOOL
Master's Degree - Business Administration
CHADRON STATE COLLEGE
COMMUNITY INVOLVEMENT
- CASA (Court Appointed Special Advocates), Board Member, 2012-04, 2018-04
- CASA, Treasurer, 2012-10, 2018-04
- BPW (Business Professional Women), Young Careerist 2012
- BPW Board, Member and Young Careerist Committee Chair, 2012-05, 2013-05
- Leadership Scottsbluff, Graduate, 2012-04, Voted Class Speaker
- United Way, Loaned Executive, 2011, 2017
- United Way Fund Distribution Committee, 2012, 2017
- Make A Wish, Volunteer, 2013-03, 2018-03
- Safe Harbor, Board Secretary, 2012-02, 2016-01
- Panhandle Humane Society, Board Member, 2021-04, Present
GRANTS FUNDED
- Nebraska Department of Economic Development - $250,000 – Nebraska Affordable Housing Trust Funds to be used for downpayment assistance program in Scotts Bluff County
- Nebraska Department of Economic Development - $340,000 – Nebraska Affordable Housing Trust Funds to be used for owner occupied rehabilitation program in the City of Ogallala
- Nebraska Department of Economic Development - $325,000 – Nebraska Affordable Housing Trust Funds to be used for owner occupied rehabilitation program in the City of Gothenburg
- Written in conjunction with West Central Nebraska Development District
- Nebraska Department of Economic Development - $399,000 – Nebraska Affordable Housing Trust Funds to be used for downpayment assistance program in Scotts Bluff County
- United States Department of Energy - $230,000 – Funds to be used by Perkins County, Nebraska in order to make energy efficient improvements in the Perkins County Hospital
GRANTS WRITTEN/NOT FUNDED
- United States Department of Agriculture - Rural Business Opportunity Grant - $50,000 – one of only two proposals chosen in Nebraska to be submitted to the national level for funding
- United States Department of Housing and Urban Development – Rural Housing and Economic Development grant - $300,000
- United States Department of Energy - $1,300,000 – Funds were to be used to implement a geothermal heat pump system for the Perkins County Hospital