***** **** ****

Montrose, Colorado ***** Phone 970-***-****

E-mail abzfzg@r.postjobfree.com

Andrea L. Hutson

Summary of qualifications Can work in all facets of lending. Able to take a loan application; Complete the loan presentation; Process loan documentation; Board the loan; Complete all loan transactions as needed; Review loan documentation for completeness and compliance; Review loans for quality.

Have used various spreadsheet and word processing programs at the different institutions I have worked for

Have complied loan spreadsheets and have built loan spreadsheets for analytical purposes.

Have converted loan systems

Can prepare and package loan applications for Farm Service Agency Guarantee Loan Applications

Can prepare and package loan applications for Small Business Administration Guarantee Loan Applications

Have worked with the Small Business Administration 504 Program

Education September, 1977 to December, 1981: Colorado State University, Fort Collins, Colorado

Bachelor of Science in Agricultural Business

Four year degree with concentration in Finance, Accounting and Economics

Professional experience

REFERENCES:

May 2007 to Present: First Colorado National Bank

Credit Analysis Officer

Prepare loan presentations, including financial and credit analysis, for approval. Prepare loan presentations in compliance with the Bank’ Loan Policy. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provide loan presentations for loan officers for their approval

Prepare needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Prepare loan documentation packages to be placed in the loan files

Review and Monitor loan documentation for completion and compliance.

Prepare appraisal engagement letters for appropriate signatures

Review appraisals as needed for compliance with the appropriate regulation and the Bank’s Loan Policy

Prepare criticized asset reports for Chief Credit Officer

Work with Chief Credit Officer on the analysis needed for the Loan Loss Reserve Report

Work with Bank’s Loan Officers to develop consistency in the Bank’s Loan Presentations

Work with the Bank’s customers to answer questions regarding their loans or accounts.

February 2006 to May 2007: First National Bank of Paonia

Loan Review/Loan Administration/Credit Analyst

• Developed loan review procedure - developed needed financial analysis spreadsheets and provided needed credit/financial analysis

• Reviewed loan files for quality

• Reviewed loan documentation for completeness and correctness

• Reviewed loan documentation for compliance with the Bank’s Loan Policy and for compliance with the appropriate banking/credit regulations

• Developed loan presentation format

• Worked with Bank’s Lending Staff to develop consistency in preparing loan presentations

• Worked with Bank’s Lending Staff to make sure needed credit/financial analysis was being included in the loan presentations

• Developed loan file structure, including developing construction loan file format for to develop consistency

• Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provided loan presentations to the Bank’s Loan Committee for their approval

February, 2003 to April 2006: Snyder Farm Supply, Montrose, Colorado

Office Manager/Bookkeeper

• Prepare, post and make daily bank deposits

• Post all invoices and sales receipts to bookkeeping system – currently Quickbooks. Maintain accounts receivable.

• Maintain inventory through the bookkeeping system and through physical counts.

• Unpack, verify and store incoming inventory.

• Prepare payroll and maintain employee records

• Prepare monthly financial statements – balance sheet and profit and loss statement. Verify for accuracy and being correct.

• Reconcile and maintain checking accounts.

• Assist in sales of irrigation pipe and associated fittings, seed, chemicals, fertilizer, feed and other items sold by the business.

• Prepare and send monthly customer statements

• Prepare and file monthly sales tax return and pay sales tax due.

• Prepare and file quarterly employment tax returns. Pay employment taxes as they become due.

• Pay bills, loan payments and maintain the accounts payable.

• Corrected errors in the filing and payment of the September 2002 and December 2002 941 (employer) tax return. Verified correction with the Internal Revenue Service.

• Corrected error in filing the December 2002 Colorado State Sales Tax Return. Verified correction with the Colorado Department of Revenue.

• I have also prepared and obtained a Small Business Economic Disaster Loan for Mr. Snyder.

• Prepared and obtained request for a change in collateral and for two subordination agreements on the Small Business Administration Loan obtained.

• Prepared and obtained request for a business revolving line of credit secured by chattels as well as a business revolving line of credit secured by real estate.

• Prepared and obtained a construction loan for the improvements constructed on a new property purchased by Mr. and Mrs. Snyder.

• I have reconciled the 2001 and 2002 accounts receivable and accounts payable to determine why the numbers were off in the old accounting system, Peachtree, being used by the company prior to my employment

• I also reconciled the 2001 and 2002 inventory figures to determine why the numbers were off in the old accounting system, Peachtree, being used by the company prior to my employment

October, 2001 to December 6, 2002: WestStar Bank, Montrose, Colorado

Loan Administration Supervisor

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provided loan presentations for loan officers for their approval

Request needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Prepare loan documentation packages to be sent to Central Loan Administration

Review and Monitor loan documentation for completion and compliance.

Oversee credit services representatives in completing the above listed tasks

August, 1999 to October, 2001: WestStar Bank, Montrose, Colorado

Credit Services Representative

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provided loan presentations to loan officers for their approval

Request needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Prepare loan documentation packages to be sent to Central Loan Administration

Review and Monitor loan documentation for completion.

September, 1995 to August 1999: Western Colorado Bank, Montrose, Colorado

Credit/Loan Assistant

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provided loan presentations to loan officers for their approval

Prepare needed loan documents and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Review and Monitor loan documentation for completion.

Converted loan system when Bank changed its processing systems tasks

Reviewed loan files for completeness of documentation as needed for Bank Examinations.

May, 1994 to June 1995: Bank One, Montrose, Colorado

Loan Assistant

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents. Provide loan presentations to loan officers for their approval.

Request needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Prepare loan documentation packages to be sent to Central Loan Administration

Review and Monitor loan documentation for completion.

May 1990 to May 1994: First National Bank of Montrose, Montrose, Colorado

Loan Review/Loan Assistant

Reviewed all loan files over $20,000 for quality, completeness and for compliance.

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents

Request needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Review and Monitor loan documentation for completion.

January 1982 to December 1984: Southwest Production Credit Association, Montrose, Colorado

Loan Officer

Prepare loan presentations, including financial and credit analysis, for approval. Obtain all needed supporting documentation for analysis and for obtaining loan documents

Request needed and check loan documents after loan approval

Close loans after obtaining documents

Prepare loan tickets for processing and loans for boarding after closing

Review and Monitor loan documentation for completion.

Bookkeeper –

• Maintain and keep all financial records for farming operation with my husband

• Prepare all financial information and loan packages for loan requests

• Prepare our personal income tax returns

Available on request

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