Devon Krizan Email & Phone Number

Greater Chicago Area

 Conducts credit analysis for commercial, industrial, and real estate loans. Prepares credit presentations to be presented to Loan Committee for approval. Prepares financial spreads. Pulls guarantor credit, business good standing, and peer comparison reports. Collaborates with Loan Officers and Portfolio Managers to ensure all financial documents needed for analysis are obtained from the customer. Provides credit analysis for mortgage warehouse accounts. Provides credit analysis for workout loans. Experience with annual credit reviews, renewals, and new money requests. Experience with Construction, Floorplan, and Participation loans.

Conducts credit analysis for commercial and agricultural loans. Prepares credit presentations to be presented to Loan Committee for approval. Prepares financial spreads. Prepares files to be submitted to the SBA for PPP loans. Assisted with developing a centralized loan department. Assisted with establishing policies and procedures for the new loan department. Ensures all new loan documents are scanned correctly into the electronic filing system. Generates all necessary loan documents according to state and federal laws and regulations. Collaborates with Loan Officers to ensure all financial documents needed for analysis are obtained from the customer. Meets with potential loan customers to inspect the business site and gather information needed for analysis. Assists Senior Lending Officer. Provides guidance on complex loans. Advise on delinquent accounts and provide support for Loss Mitigation issues. Account Manager for larger Commercial and Agricultural clients. Backup Loan Processor. Cross trained for mortgage underwriting.

▪ Competently represents HomeStar Bank at foreclosure mediation and sheriff sales.▪ Provides risk analysis for non-performing portfolio, auto, mobile home, commercial and installment loans.▪ Manages future risks through collaboration with Loan Officers on maturing loans.▪ Provides recommendations for loan grades, non-accrual status and loan reserves based on extended analysis of delinquent accounts.▪ Responsible for preparing and presenting reports for monthly Collection Committee meetings.▪ Orders appraisals and content removal of bank owned properties.▪ Monitors and negotiates the sale of bank owned mobile homes.▪ Submits Secondary Market foreclosure expense claims.▪ Reconciles foreclosure expense general ledger.▪ Negotiates workout options with customers including foreclosure alternatives and liquidation.▪ Performs credit & financial analysis for delinquent customers to determine best workout option.▪ Accurately process, transmit and facilitate loan modification applications.▪ Prepares monthly portfolio analysis of non-performing loans.▪ Secondary Market default loan reporting.▪ Monitors portfolio and secondary market loans for delinquent taxes, prepares letters and negotiates repayment plans for advanced escrow.▪ Reviews the public records of multiple counties for possible risks to loan portfolio.▪ Reports opened and closed foreclosures to the State of Illinois.▪ Orders foreclosure minutes and titles.▪ Communicates with counsel on foreclosure cases.▪ Records foreclosure and Deed-In-Lieu documents.▪ Prepares and files bankruptcy reaffirmation agreements.▪ Prepares legal and foreclosure status for Board. ▪ Manages and approves foreclosure and REO expenses.▪ Prepares analysis of loan delinquency ratios.▪ Prepares breach and workout solicitation letters.

• Open and close: consumer, business, IRA and HSA accounts• Perform new account audits to ensure CIP compliance• Complete consumer transaction reports and suspicious activity reports• Ensure document accuracy for internal audits• Train and mentor all banker new hires• Research debit card transactions• Investigate fraudulent account transactions• Authorize, confirm and initiate both domestic and foreign wire transfers• Respond to legal correspondence regarding accounts• Respond to business account audit correspondence• Approve Power of Attorney, Executor and Trust documents to be attached to accounts• Audits all documents that are to be retained and ensure that they have been stored electronically• Analyze customer purchase and payment histories to discover spending and lifestyle habits in order to recommend beneficial products and services.• Online and mobile banking customer support specialist• Analyze online banking user activity reports to determine when an online banking profile was accessed, from which IP address it was accessed from and what actions were requested to determine legitimate activity from fraudulent activity and separate user error from software error.• Analyze online bill payment reports and databases in order to research manual and electronic bill payments to determine when payments were sent, how and how often they are sent, why they might be declined and to verify accuracy of payee information• Provide limited technical support for Google Chrome, Internet Explorer, Mozilla Firefox and Safari for online banking functionality• Research remote deposits for mobile banking• Consumer and commercial mortgage lender (NMLS #1146650)• Conduct Home Equity, Home Equity Line of Credit and other retail loan closings• Work closely with underwriters during loan process• Solve complex mortgage and loan issues including but not limited to payments, charges, disbursements and mortgage terms• Collect on past due mortgages and loans

Kankakee, Il

• Processed personal and business transactions• Balanced and replenished ATM• Audited cash vault• Processed transaction holds• Processed CTR’s• Processed change orders• Balanced and entered teller work with remote capture

• Location contact coordinator for company community events• Conducted new employee training and orientation• Assisted with enrollment in company benefits including but not limited to insurance and direct deposit• Resolved employee issues• Assessed applicant qualifications and set up interviews with appropriate area manager• Ensured all new hire paperwork and tax information were processed in accordance with the law and company policy• Communicated employee concerns to appropriate supervisor• Prepared and delivered analysis of daily sales and operational reports • Anticipated customer traffic patterns and scheduled strategically• Conducted safety inspections and training to ensure compliance with laws and company policy’s• Planned and facilitated department and store meetings• Managed sales reports

• In charge of productivity, development and performance assessments for ten member department• Assisted with organizing and presenting monthly store meetings to communicate ne procedures, policies and company direction• Prepared and delivered monthly sales plans • Managed revenue targets • Monitored expenses for location• Anticipated customers’ needs and ordered products appropriately• Anticipated customer traffic patterns and scheduled strategically• Strategically merchandised products to impact sales• Provided corrective counseling • Interviewed and hired potential employees• Hired quality candidates which resulted in long term retention• Ensured signing and graphics for entire store were accurate• Established and maintained vendor relationships• Developed employees for transition into other positions• Created selling strategies for weekly sales • Administered performance reviews• Observed, evaluated and coached employees on customer interactions• Administered terminations• Prepared department for audits• Mentored employees for transition into other departments • Conducted monthly 1 on 1 evaluations for employee development• Established plans for employee development• Planned and facilitated department and store meetings• Planned grand opening events• Consistently exceeded sales goals• Won several company wide sales contests• Managed sales reports• Ordered product• Conducted product inventory• Analyzed sales data to determine profitable product categories to assist with decisions concerning future product offerings• Collected data from customers to create sales strategies and improve the customer experience• Collected data from competitors in order to keep prices competitive, ensure location was offering products that appealed to customer base and improve customer service

• Managed 15 – 20 employees• Managed multiple departments• Provided corrective counseling• Interviewed and hired potential employees• Established and maintained vendor relationships• Ensured department was merchandised according to company guidelines• Trained new hires• Organized community events• Administered performance reviews• Mentored employees for transition into other work groups• Planned and facilitated department and store meetings • Managed sales reports• Ordered products• Conducted product inventory

Mba, Organizational Leadership

Bachelor Of Arts (B.A.), Classical Civilizations, Languages And Literature

Activities and Societies: Phi Kappa Phi, Eta Sigma Phi, Golden Key, NSCS