Sandra J. Firkins

***** ** ***** *** 352-***-****

Summerfield, FL 34491

abh9lu@r.postjobfree.com

Qualifications 24 years of banking/financial experience

Experience 10/2007 – Present Wilcox Wealth Management, Lady Lake, Fl

Client Services Manager

• Serves in the triple capacity of Office Manager, Administrative Assistant and

Client Services Manager. Duties include all phases of office management,

including, but not limited to answering phones, collecting and opening mail,

scheduling appointments, maintaining supplies, operating and maintaining office

machines and interfacing with other employees. Administrative Assistant and

client service manager duties include filing, computer technology, interfacing

with clients via telephone, in person and via e-mail. Prepares all documentation

relating to clients accounts. Interfaces with LPL Financial (brokerage firm) back

office employees on a daily basis to resolve any issues that arise.

4/2002 – 6/2007 Security State Bank, Midland/Odessa, Texas

Credit Department Manager

• Manage and evaluate a department of 8 employees responsible for the

preparation of all loan documentation, payments, entry of all loan information

into the core system, imaging of documentation, tracking of collateral and

recording of documentation to perfect lien position

• Responsible for the monthly remittance and reconciliation to Colson for SBA

payments

• Conduct weekly department meetings

• Advise and recommend changes and updates to loan policies and

procedures

• Responsible for the updating and training of systems and software programs

for the credit department.

Vice President Commercial Lending / Branch Manager

• Calling on potential new and existing customers to proactively meet the needs

of the customer and encourage growth of new business for the

bank

• Acquire commercial banking relationships including depository, lending and

other products along with the personal relationships of the principals

• Preparation and presentation of proposed loan requests to appropriate loan

committees

• Assisting with the underwriting of proposed loan requests

• Assisting with the preparation and review of loan documentation

• Monthly reporting of loan and deposit growth, delinquencies, overdrafts, etc.,

including weekly new business calling efforts

• Maintenance of loan and deposit portfolio, including collection of loan

delinquencies, overdrafts and any documentation exceptions

• Inspection of collateral, documentation and financial statements as necessary

• Occasional assistance and review of loan policies and procedures with

responsibility to recommend updates or changes as appropriate

• Facilitate in the growth of new branch with deposits, loans

and other banking relationships

• Assist with staffing, scheduling and daily duties associated with personnel of

branch

• Conduct weekly branch meetings

1990 - 2002 Midland American Bank / Bank United / WashingtonMutual /

Community National Bank, Midland, Texas (through mergers and acquisitions)

Loan Teller / Teller Supervisor / Loan Department Supervisor / Administrative

Assistant / Loan Processor / Assistant Cashier – Loan Operations / Banking

Officer / Assistant Vice President – Commercial Lending

• Began career with Midland American Bank as a Loan Teller and worked

through the ranks to become a Commercial Loan Officer

• Experience in all phases of teller duties, including deposits, lock box deposits,

vault duties, large cash shipments, collection items, ATM balancing,

reconciliation of other bank accounts and supervised tellers

• Experience in all phases of credit/loan department – oversaw and supervised 5

additional employees, input of new/renewed loans, payment posting,

maintenance, payoffs, phone inquires, collateral verification, UCC filings,

preparation of SBA reports, credit life insurance reports, single interest insurance

reports and weekly repossessed asset reports. Balanced general ledger accounts

related to loans and maintained charged off loans and files.

• Experience in preparation of all loan documentation,

including SBA documentation, other commercial and real estate loans for Senior

Vice President

• Implemented a centralized loan processing / controlled funding department for the

bank. Supervised and participated in the preparation of banks loan documents

including Oil & Gas Deeds of Trust, Real Estate, SBA, Commercial, Consumer

and Agricultural Loans. Responsible for the review of documentation and

collateral for lien perfections.

• Managed Credit and Loan Processing Department, responsible for converting the

Loan Operations of Midland American Bank to Bank United

Promoted in 2000 to a Commercial Loan Officer maintaining a 14 Million Dollar

Portfolio

1989 – 1990 Landmark Bank of Fort Worth, Fort Worth, Texas

Teller / Teller Supervisor

• Responsible for all phases of teller transactions, reconciliation of due froms (other

bank accounts), balance ATM machine and backed up the CD, IRA and New

Account representative

1987 – 1989 Community National Bank, Midland, Texas

Loan Teller

• Posted all loan transactions including payments, inputting of new and renewed

loans, and maintaining paid off loan records, maintained all Safe Deposit Box

records, billings and balancing.

1985 – 1987 Security National Bank, Midland, Texas

Lobby and Drive In Teller / Loan Teller

• Responsible for all teller and bookkeeping duties, preparation of bank statements,

verification of cash shipments, balancing of ATM daily and a back up for the loan

teller

Education 1982 Graduate of Portville Central School, Portville, New York

Majoring in Business and Accounting

1982 – 1984 Jamestown Community College, Olean, New York

– Business and Accounting Courses

Continuing Education Courses

Numerous courses in documentation and UCC law, Home

Improvement Loan Training, Real Estate Training, Sales Training,

Compliance Training

Volunteer March of Dimes Board of Directors, Treasurer 2004 & 2005

Grace Lutheran Church – Active member, Sunday School Teacher, Board of

Education, Assisted the Board of Fellowship, Youth activities, and

Christmas programs

Midland Lee Freshman PTA – Active member

Jr. ROTC Booster Club – Active Member

Other Interests Reading, Swimming, Tennis, Motorcycle Riding, Walking,

Quilting and Traveling

References Available Upon Request

Contact this candidate