Andrea B. Sutter

**** **** ***** ******* ****** Rock, CO 80108

C: 303-***-****, E: ada5oa@r.postjobfree.com

Business Management

Forward-focused, high-energy bilingual professional with knowledge in management, financial analysis, residential and consumer loan underwriting, and employee training. Critical thinker with strong analytical skills focused on finding increasingly efficient methods of setting and achieving goals. Delivers strong and sustainable organizational efficiency with equal expertise in capturing effectiveness through process redesign and performance management. Consistently applies business analysis and critical thinking skills to develop new systems and enhance existing operations. Skilled in multiple areas of technology.

Key Achievements

Branch manager for local Denver mtg office, hired, onboarded new recruits, trained and mentored loan officers, prepared and analyzed financial statements and budget reports.

Devised and implemented a training/mentor program for new hires resulting in a 30% increase in the employee retention rate.

Fundamental member involved in launching new loan production office for a major homebuilder.

Accountable for risk management, quality control and compliance with current regulatory requirements of over $180M loan volume, resulting in 100% error free loan files.

Executed research to evaluate specific mortgage loan product line. Augmented loan volume by approximately 12m, and increased revenue stream 20% per year by effectively marketing financial investment products.

PROFESSIONAL EXPERIENCE

MIDWESTONE BANK

Denver Branch Lending Officer

Responsible for residential and consumer loan originations for new local Denver branch.

Identified, developed and executed strategic financial plans designed to develop business relationships while expanding market share. Augmented bank revenue with 12m of increased sales.

Effectively augmented existing internal risk management procedures and proposed corrective actions. Accountable for staying well versed with industry changes both with Fannie Mae, Freddie Mac and GNMA. Conducted due diligence of lending industry changes, evaluated current laws and regulations, and responsible for monitoring company’s compliance policy.

GATEWAY MORTGAGE

Branch Manager

Manager of local Gateway branch ensuring branch operations run smoothly, efficiently and in compliance with federal, state and local rules and regulations while staying abreast of industry changes.

Accountable for developing, managing and performing constant control of annual budget and expenditures. Performed ongoing recruiting and training of new and existing sales staff and employees to promote personal growth.

ANDREA B. SUTTER PAGE TWO

Responsible for maintaining up to date compliance of lending guidelines and implementing procedures to assure conformity to new standards and regulations.

Implemented pre-underwriting of loan files to determine if buyers possess ability to repay requested loan while simultaneously determining risk factors of sales staff loan pipeline.

COLORADO CAPITAL BANK

Vice President, Residential Mortgage Banker

Progressive record of achievements with increasing responsibility leading the strategic and operational market growth of the Bank. Aggregated, analyzed and evaluated pertinent financial information, identified problematic loans, and provided recommendations to resolve deficiencies.

Notable Accomplishments

Identified, developed and executed financing strategies to cultivate business relationships with financial institutions and private equity investors. Successfully augmented revenue stream totaling approximately $200K in first year of production through forecasting and planning.

Leveraged ability to recognize and capitalize on market trends to maintain established profit margins through strategic planning and pricing. Highly skilled analyst effective in practical approach to problem resolution.

Developed strategic marketing plan to solicit new builder business and augment construction lending department revenue.

PUBLIC AFFILIATIONS

PUBLIC AFFILIATIONS

Past board member Denver Home Builders Association

Board Member Professional Miracles Children’s Foundation (Make a Wish Foundation)

Boys and Girls Club of Denver

St. Vincent’s Children’s home volunteer

Member of volunteer group for Bolivia water quality restoration program

EDUCATION

Masters of Business Administration

Marylhurst University, Portland, OR

Bachelors in Business Management, Magna cum Laude

University of Denver, Denver, CO

Water Quality Management Program – EPA Studies

Red Rocks Community College, Lakewood, CO

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