Roberta Ann Kimmel

Responsible for running the branch when the RVP was absent. Responsible for working with the Business Development Officers to meet potential new relationships. Responsible for writing Loan Requests to Loan Committee weekly. Responsible for keeping all Account Receivable Lines of Credits on task and renewing annually.

Responsible for the same things I was responsible for at Coast Bank with the additional responsibility of negotiating work outs for out of compliance notes due to the economic downturn. When I was hired 90% of the Commercial Notes were in default. I was very successful in saving most of the funds through workouts. A few did have to file bankruptcy.

Was one of several Commercial Loan Officers that did flooring for mostly car dealerships, mobile home dealerships, and approved loans for those dealerships.

Responsible for the hiring and firing of office personal. Responsible for the handling of information with discretion, maintaining confidentiality of company documents and personnel records. Provided exceptional customer service when addressing client inquiries or concerns via phone calls. Responsible for buying loans from businesses that we had contracts with. Responsible for personal consumer loans both secured and unsecured. Responsible for Home Improvement Loans secured by a Second Deed of Trust. Responsible for the timely collections of loans including having to sue or reposes security and sell said security. Also responsible for locating borrowers that had skipped out of the area. One of my major accomplishments was overall growth of the office and collections of loans. Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.