Jean Marthaler Email & Phone Number

Melrose, Mn, Us

Customized consulting for companies as needed, including project management, operational analysis, efficiencies & change management, financial analysis, cost analysis, assisting with software transistions, general HR duties including benefit enrollment, AP/AR, Debt collection, and compliance consulting. My expertise is heavy in the Banking Industry, manufacturing industry,financial services, as well as the construction industry. SQL experience.

Sioux Falls, Sd, Us

Willmar, Minnesota, Us

I have had the privilege to learn all aspects of banking, specializing in Commercial Lending and Affordable Housing Loans. I am Pro at gaining efficiencies in departments, analyzed commercial portfolios, analyzed the residential mortgages, performed financial analysis and recruited and trained new staff. In my numerous roles for Heritage Bank, my four primary objectives are:1. To provide technology, tools, and promote skills to staff to ensure they provide exceptional customer service by helping identify a client’s needs and then matching them with products and services offered by Heritage Bank2. To maintain a sound credit culture that consists of quality underwriting and on-going monitoring of the portfolio; ensuring proper collateral documentation and evaluation on an ongoing basis.3. To promote the soundness of our bank and its assets, ensuring assets are secured in compliance with the loan agreement and credit approval, ensuring staff are helping our existing clients to identify needs that they have and matching them to products and services that are offered by Heritage Bank. Providing quality customer service is a must in all of my business and vendor relationships. This involves regular visits and correspondence with our existing clients and vendors, timely follow-up to issues that arise and adding value for the customer in my interactions.I have a solid understanding of the products and services that Heritage Bank offers as well as alternative lending programs (SBA 7(a), SBA 504, FSA and other gap financing programs) which is essential to bank success. A thorough knowledge of credit structuring is also a strong tool used in achieving my success.In addition, I complete projects as assigned, from Team training via 3WAC to general Market analysis to negotiating vendor contracts, overseeing onboarding of new technology and programs, I am happy to be a team player. Also project lead for onboarding various platforms to enhance efficiencies for the bank.

As part of a Federally funded program, I provide no cost consulting services to businesses. With expertise in manufacturing, financial services, facilities management and service industries, I am able to serve numerous types of businesses enhance efficiency, onboard technology, analyze costs and pricing stucture, If your company is experiencing growing pains, or suffering from a slump in its industry, I will look at ways to increase efficiency, cut costs, track inventory issues, pursue online sales avenues, etc. In addition, I am able to assist in preparing business plans to assist in obtaining SBA or community bank loans.

Started as a Commercial Credit underwriter, did SBA review and audit, and stepped in with a position as the Audit / Compliance officerRegulatory complianceData Analysis and recommendationsCommercial Lending and Finance Corporate Real Estate Accounting - analysis and reommendationsGenerating New Customer RelationshipsReal Estate Evaluations-developed the in house method for CRE valuationsCommercial Real Estate Value Updates, performing on site and off site valuationsCompliance Requirements-Loan Reviews, etcAnalyze Financials and Pro Forma's and make appropriate recommendationsVarious projects as assigned

Land acquisition and housing development consulting, including pro forma analysis.

Financial Management of the CompanyBudgets and Financial ReportingMarketing Strategies Training and Development

Certificate, Commercial Banking

Bs, Criminal Justice/Psychology

Bachelor'S Degree