Vivian R. Karutz

Branch Manager and Loan Officer

Lexington, KY

ad3h93@r.postjobfree.com

+1-859-***-****

BANKING SERVICE PROFESSIONAL & DEDICATED EXECUTIVE OF WOMEN-OWNED AND OPERATED BUSINESS, ACTIVE COMMUNITY LEADERSHIP AND TEAM BUILDING ADVOCATE, PERSONAL AND BUSINESS CREDIT DEVELOPMENT, LOAN OFFICER FOR CONSUMER, RESIDENTIAL AND COMMERCIAL FINANCING, BUSINESS & EVENT MANAGEMENT

Professional Experience

Owner

Wild Prema Yoga Studio – Berea, KY

August 2020 to Present

• Establish and operate wellness center

Branch Manager and Loan Officer

Community Trust Bank - Berea, KY

January 2020 to Present

• Securely manage all bank operations at branch with integrity

• Complete internal audits and record keeping in accordance with security and compliance

• Hire employees and complete performance appraisals

• Manage and increase portfolios for consumer, residential and commercial lending accounts

• Analyze, financially advise and decision all credit and deposit accounts according to policy

• Input applications, originate quality loans, navigate processing/underwriting and facilitate loan closings ‘Start to Finish’ per federal and institution regulations

• Sell and recommend all bank products

• Collect and perform maintenance of accounts

• Regularly complete CE and training programs to stay informed of industry trends, market changes and updates to lending laws

• Actively participate in community activities and sponsorships to develop and maintain valuable business partnerships

Senior Regional Administrator and Executive Assistant

American Welding & Gas, Inc. - Lexington, KY

March 2006 to January 2020

Executive Assistant to the CEO, President, CFO, VP, General Counsel and Sales/Ops Managers

• Schedule Board of Directors meetings and assist with meeting materials and agendas

• Collaborate with all departments; Human Resources, Finance, Payables, Receivables, Purchasing, Marketing, Store managers, Safety and other administrative team members on special projects and events

• Administer company donations

• Host employee orientation, complete reference/background checks and devise employee training agendas

• Reporting for employee salaries and benefit packages

• Review and approve customer billing and credit issues

• Complete employee handbook revisions, facility evacuation maps, Emergency Action Procedures, DOT and FDA site review forms; appropriate distribution

• Create custom product order forms for customers and internal organization forms

• Arrange all appropriate travel and agendas for executive and field staff

• Primary liaison between CEO and department managers regarding project management and approvals

• Approve credit card expenses and reimbursement requests

• Create and maintain computer- and paper-based filing and organization systems for records, reports and documents

• Handle and distribute all incoming and outgoing mail

• Design and manage databases and automate excel processes with formulas

Sales and Business Analytics

• Participate in setting annual division budgets and monthly review of performance to budget and income statements

• Calculate growth targets for VP approval, processed monthly sales commissions and assess effectiveness of sales representatives

• Submit monthly reports to senior management

• Design employee motivation strategies and contests including various incentive programs to support achievement of goals

• Analyze pricing matrix and sales for all business

• Implement company wide and system increases within contract terms

• Complete government bidding and create pricing models for quotations

• Organize trade show participation and vendor training

Legal

• Compose and revise legal documents, contracts and letters of correspondence for legal counsel

• Redact confidential information from all legal documents on a case by case basis

• Assist in maintaining department attorney personnel files and case files with the up most confidentiality

• Monitor expiration of all contracts, property leases and trademarks

• Regularly update asset management staff regarding leasing and property status

Education

Certificate in Yoga Teacher Training - YTT

Lexington Healing Arts - Lexington, KY

2020

Certificate in Business and Accounting for Non-Financial Managers

Vanderbilt University - Nashville, TN

2015

Associates in Medical Billing and Coding in Medical Billing and Coding

National College of Business - Richmond, KY

2005

Skills

• Administrative support (10+ years) • Contract review (10+ years) • Legal Correspondence (10+ years) • Database management (5+ years) • Legal administrative (10+ years) • Liaison (10+ years) • Microsoft office (10+ years) • Office organization (10+ years) • Pricing (10+ years) • Problem solver • TILA • Fair Housing regulations (3+ years) • Customer relationship management (10+years) • Leadership • Bank Secrecy Act

Awards

Pinnacle Award

2021

Branch Referrals Goal Buster 117%

Certifications and Licenses

Kentucky Registered Business Entity

Secretary of State

Commission as Notary Public, State at Large

Appointed by the state of Kentucky

NMLS #1941164

Mortgage Loan Originator

200HR-RYT

Registered Yoga Teacher

Additional Information

SKILL HIGHLIGHTS

• Microsoft Office proficiency • Database management • Legal administrative support • Meeting planning • Strong problem solver • American Association of Notaries • Executive development • Travel coordinator • Business correspondence • Contract review and recommendations • Analytical • Administrative specialist • Pricing Administration • Liaison

CORE ACCOMPLISHMENTS

• Increase loan portfolio over $2MM • Successfully collaborate on team to achieve business sustaining Bid award $8MM • Implemented strategic customer price changes to increase NOI over $300k/year • Registered company in cost savings programs to save over $30k annually on travel expenditures • Facilitated on-site and off-site meetings, including hosting a regional Gases and Welding Distributors Association event • Set standard procedures for office organization and process efficiencies

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