Sarah Steffens
Gunnison,CO
Summary
I am currently working as the Business Loan Fund Program Coordinator for the Business Loan Fund in the Region 10 Gunnison/Hinsdale Satellite Office.
Overview
20
20
years of professional experience
Work History
CONSTRUCTION BUDGET ACCOUNTANT
DAVID GROSS GENERAL CONTRACTOR
Crested Butte, CO
08.2021 - 01.2022
- Enter Invoices into budget tracking spreadsheet to track construction projects from start to finish
- Track and collect lien waivers and change orders
- Email draw requests to banks or clients to request funds
- Managed accounting invoices and billings, balanced accounts and created financial budget reports
- Obtained and reviewed construction insurance information and delivered to contract administrators
- Managed office operations while scheduling appointments for department managers
LOAN OFFICER
THE GUNNISON BANK AND TRUST COMPANY
10.2011 - 08.2021
- Experience analyzing tax returns to evaluate cash flow (Managed Credit Analysis Team)
- Developed strong relationships with customers through high levels of customer service
- Assisted customers in understanding loan terms and conditions to make informed decisions
- Assisted customers with completing loan applications and other paperwork
- Originated, reviewed, processed, closed, and administered customer loan proposals
- Maintained strict confidentiality of bank records and client information
- Collaborated with other departments to promptly process loan applications
- Recommended loan approvals and denials based on customer loan application reviews
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements
- Submitted loan applications to committee for verification and recommendations
- Examined customer loan applications for loan approvals and denials ($100,000 personal lending limit)
- Monitored performance of existing loan portfolios to identify and address any issues
- Compiled database of loan applicants' credit histories, financial statements and other financial information
- Advised clients on mortgage, education and commercial and personal loans
- Developed and maintained relationships with customers, lenders and other third parties
- Worked remotely
Branch Manager
Community Banks Of Colorado
Mt. Crested Butte, CO
04.2006 - 10.2011
- Maintained friendly and professional customer interactions
- Assessed employee performance and developed improvement plans
- Met deadlines by proactively managing individual and team tasks and streamlining processes
- Engaged employees in business processes with positive motivational techniques
- Worked closely with management to strategize sales techniques to increase branch production and customer service
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients
- Ran a small branch wile managing the staff and operations
Escrow Closer
First Gunnison Title & Escrow
Gunnison, CO
03.2005 - 03.2006
- Managed the Escrow Department team and assisted in Title Department
- Performed data entry and other administrative tasks to keep records and files organized and accurate
- Communicated with customers and lenders to resolve common title issues
- Maintained confidentiality and security of personal information to protect customer privacy and prevent identity theft
- Received and processed paperwork for title policies
- Scheduled closing appointments for seller and buyer or arranged for delivery of documents for out of area closings
- Prepared documents for closing and handled complete disbursement and follow up of escrow transactions
- Set up escrow transactions, processed deposits and mailed out preliminary title reports for review
- Followed-up on status of releases, policies, and return of recorded documents
- Analyzed title documents to identify potential issues and resolve any discrepancies
- Assisted in preparation of title insurance policies and title commitments
- Created legal documents such as deeds, mortgages and leases based on title search results
- Drafted title abstracts and legal documents for real estate transactions
- Developed and maintained relationships with title companies, lenders and other stakeholders to facilitate smooth transactions
- Coordinated and distributed disclosures, schedules and other closing documents
Office Manager
Mountain West Home Loans
Alamosa, CO
05.2002 - 07.2004
- Examined customer loan applications for loan approvals and denials
- Compiled database of loan applicants' credit histories, financial statements and other financial information
- Managed office operations while scheduling appointments for Loan Officers
- Managed compliance to keep organization operating within legal and regulatory guidelines
- Reported to senior management on organizational performance and progress toward goals
- Used industry expertise, customer service skills and analytical nature to resolve customer concerns and promote loyalty
- Started processing Mortgages for Underwriting
- Submitted loan applications to underwriter for verification and recommendations
- Maintained strict confidentiality of bank records and client information
- Created, maintained and updated filing systems for paper and electronic documents
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving
Education
Bachelor of Arts - ACCOUNTING AND BUSINESS ADMINISTRATION
WESTERN COLORADO UNIVERSITY
Gunnison, CO05.2009
Skills
- Ability to maintain important client relationships and confidentiality
- Detail oriented
- Strong organizational and communication skills
- Ability to work independently
- Knowledge of small business principles and practices
- Financial Statements and Projections
- Financial Portfolio Management
- Prepare Budgets
- Business Development
- Fraud Prevention and Detection
- Loan Application Management
- Risk Management Assessments
- Loan Portfolio Growth
Timeline
CONSTRUCTION BUDGET ACCOUNTANT
DAVID GROSS GENERAL CONTRACTOR
08.2021 - 01.2022
LOAN OFFICER
THE GUNNISON BANK AND TRUST COMPANY
10.2011 - 08.2021
Branch Manager
Community Banks Of Colorado
04.2006 - 10.2011
Escrow Closer
First Gunnison Title & Escrow
03.2005 - 03.2006
Office Manager
Mountain West Home Loans
05.2002 - 07.2004
Bachelor of Arts - ACCOUNTING AND BUSINESS ADMINISTRATION
WESTERN COLORADO UNIVERSITY