CARIE SANOW

**** **** **** ****** • Sioux Falls, South Dakota 57108

605-***-**** • clhd7r@r.postjobfree.com

Seasoned leader with more than 10 years of combined experience in branch and lending management. Expert in negotiations, business plan development and implementation, client relationship building and troubleshooting. Able to evaluate and improve existing policies and processes while ensuring compliance to all regulations are met. Skilled in creating successful cross-functional teams of employees through training, motivating and mentorship. Consistently able to meet and exceed expectations.

¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬¬Branch Operations • Commercial Banking/Credit • Consumer Banking/Credit • Credit Analysis

Equity Financing • Mortgage Loan Processing• Mortgage Loan Origination • Loan Underwriting

• Regulatory Affairs Team Building & Leadership • Customer Service • Training • Relationship Management Operating Efficiency • Oral & Written Communications • Troubleshooting• Titlework

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PROFESSIONAL EXPERIENCE

NORTHERN STAR BANK, Mankato, Minnesota • 2010 to Present

Independent community bank offering personal and business banking services.

Credit Analyst: Recruited to manage the commercial loan portfolio with key accountability for credit analysis, loan presentation preparation, risk rating recommendations, credit file administration, document preparation and quality customer service. Conduct in-depth review of business financials using computer software/spreadsheet for evaluation. Appraisal reviews of real estate used as collateral; Examine, evaluate and process consumer loan and mortgage loan applications; Member of compliance committee

META BANK, Sioux Falls, South Dakota • 2009-2010

(Company downsized by 100 Employees)

Local bank processing everyday banking needs and credit cards for community. Over 350 employees.

Branch Manager: Managed all branch operations and personnel including marketing, business development, collections, loan applications, financial reporting and more to meet branch goals. Examined, evaluated and processed consumer loan and mortgage loan applications. Directed, coordinated and monitored activities to implement policies, procedures and practices concerning granting or extending lines of credit, commercial loans, real estate loans and consumer loans within approval guidelines. Ensured that staff met all customers’ needs in a satisfactory way.

• Created and implemented sales and operational training.

• Recruited, hired, trained, and motivated staff.

• Managed teller and banking staff including completing performance appraisals.

DAKOTA HERITAGE STATE BANK, Chancellor, South Dakota • 2008-2009

(Position Eliminated/Layoff)

Local branch of bank with $30M in assets employing 10 to 12 employees.

Compliance Officer/Operations Assistant/Teller Supervisor: Ensured that all departments including lending, deposit, insurance and HR were in compliance with all federal, state and local regulations. Identified non-compliance areas and collaborated with management to correct. Prepared necessary filings for federal, state and local regulatory agencies. Worked to keep branch operating smoothly and efficiently. Completed daily balancing including ACH and Fed settlement, debit card, general ledger, suspense accounts, official accounts, clearing accounts and correspondent accounts. Served as bank security and BSA Officer. Communicated with Fiserv to ensure banking software was running efficiently and backing up system daily.

CARIE SANOW • PAGE 2 • clhd7r@r.postjobfree.com

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Operational Enhancements:

• Scheduled staff and assigned duties to keep department running efficiently.

• Supervised department to ensure financial policies and procedures were met.

• Trained staff in security training both physical and informative, customer service and banking procedures including approving checks, handling customer complaints and reading daily teller reports to check for accuracy.

• Trained staff in Reg CC, Reg E, and Red Flag/FACTA Act.

• Created and implemented required annual compliance training.

• Updated policies and procedures.

FIRST CLASS MORTGAGE, Sioux Falls, South Dakota • 2007-2008

(Company Closed May 2008)

Mortgage Loan Officer: Forecasted mortgage revenues on a monthly, quarterly and yearly basis while establishing branch profitability, branch sales and customer growth goals. Developed and implemented detailed business plan. Processed mortgage loans and used DU and LP for automated underwriting of loans. Contributed to budgeting, appraisals and financial aspects of construction loans. Evaluated documents for accuracy and lending compliance standards while examining debt ratios and loan-to-value. Renegotiated loan terms when needed. Trained and cross trained with fellow staff members.

Operational Enhancements:

• Communicated with customers throughout loan process to ensure complete understanding.

• Treated customers with detailed, personal attention to meet and exceed their mortgage needs and overall experience.

• Fostered and maintained positive customer relationships including individual and small business customers.

AMERICAN FRONTIER HOMES/SUMMIT MORTGAGE, Brandon, South Dakota • 2005-2007

(Company Closed 2007)

Branch Office Manager: Developed financial forecasting for potential mortgage revenue while creating and managing financing for construction loans. Processed all loans including using DU and LP for automated loan underwriting. Developed and implemented job budgets, business plan and contributed to marketing plans for company. Trained staff to ensure that customer and small business relationships met expectations.

MAJESTIC MORTGAGE CORPORATION, Sioux Falls, South Dakota • 2004-2006

(Company Merger/Closed 2006)

Mortgage Loan Consultant: Managed all conventional, FHA and VA residential loan applications including communicating to clients the ideal mortgage lending options available. Used DU and LP for automated loan underwriting. Established and implemented lending requirements, developed a referral base and generated multiple mortgage loans at a time. Exceeded all revenue and sales goals.

Career Note: Additional professional background includes Escrow Assistant for Rels Title, Universal Banker and Loan Officer for US Bank Corporation (2002-2004), Teller Supervisor for St. Cloud Federal Credit Union (2000-2002), and Internet Banking Coordinator/Personal Banker/Operations Specialist for Stearns Bank (2000-2001)

EDUCATION/TRAINING

Bachelors of Science in Business Management

St. Cloud State University, St. Cloud, Minnesota

Bank Compliance Training/Management and Leadership

Credit Analyst Training

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