Joseph Hasse, M.B.A Email & Phone Number

Foley, Mn, Us

Minnesota, United States

Promoted to the Central Underwriting Manager to lead a team of 4 underwriters in the decision making of an indirect and consumer lending portfolio. Analyzes delinquent and charged-off loan data to establish strategic underwriting procedures balancing risk with reward. Coaches underwriting staff to these ideologies to increase profitability while maintaining strict integrity. Audits and analyzes monthly charged off loans, communicating findings monthly to the delinquency committee. - Lead a team of 4 underwriters, hiring inexperienced employees and coaching them to top performers. - Improved automated underwriting from 8.47% to 52.14%.- Created a culture of LEAN, completing multiple projects saving over 1200 hours annually computing to roughly $22,855 per year. - Examined a potential credit union for acquisition. Pitched recommendation to C-suite about acquisition.- Championed a $1 million loan origination software upgrade/integration.- Selected by the CFO to be a mentor in the company’s mentorship program.- Nominated to participate in the CUES Next Top Credit Union Executive competition.- Analyzes raw data turning the findings into ratios to help drive strategic decisioning. - Create annual department budget, updating the forecast quarterly to ensure alignment with strategy.- Obtained my Certified Credit Union Board Member Certification in 2023 through CUNA.- Completed the Essential Management Skills and Lending e-School through CUNA.

Duluth, Minnesota Area

As an underwriter it was my responsibility to monitor, decision and process indirect and consumer loans. Items that were used as security ranged from ATV's to Automobiles to Tractors to Saw Mills. I was also responsible for personal loans and lines of credit. In addition, I would process post closing maintenance on loan files including loan modifications, lien releases and promotional items. Early I asked to be introduced to the automated underwriting system. - Within my first year, developed a $20 million portfolio.- Completed monthly audit calls. 30% of the monthly calls were converted to deepened relationships. - Completed Leadership yoUniversity, a credit union training program for up and coming leaders. - Lead the group to streamlined processes and more accurate reporting. - Assigned forced placed insurance and processed refunds.

Princeton, Minnesota

Manage monthly cash flows balancing limited income with expenses, prioritizing appropriately. Manage the accounts payable for the church ensuring prompt payments to avoid excessive expenses. Process payroll for all staff including W-2 employees and 1099'ed contractors. Generate quarterly and annual payroll/employment taxes and forms. To remain in compliance with audit, reconcile accounts on a monthly basis. Present to the finance committee monthly with budget related updates providing financial reports. - Identified a payroll error, saving the organization over $4,000 annually. - Streamlined the amount of accounts- Created an improved expense voucher. - Experience with Quickbooks Online.

Ankeny, Iowa

Promoted to lead the Ankeny branch in lending and deposit growth. Coached teller line staff to look for opportunities to cross sell without simply asking customers to sign up for new products. Cultivated relationships with local businesses to earn lending and deposit business. Managed operational and financial reports to ensure that goals were being met while remaining compliant. Audited teller drawers and vault. - Led a team of 8 staff, 6 tellers and 2 personal bankers, coaching and encouraging professional development. - Received multiple awards including top performer in Q3 2013, and a Pinnacle Branch award in 2013.- Established a corporate partnership with the local Pheasants Forever Chapter, becoming a corporate sponsor and doing a table event at the local banquet where we opened 32 new PF Visa Cards. - Led the district personal banker calls to share best practices and changes to procedure.

Ankeny, Iowa

Brought on to increase the sales of a branch with growing potential. Originated, processed and closed auto, personal, home equity and small business loans. Called on delinquent loans to bring accounts current. When short staffed or needing additional sales opportunities, backed up the teller line with additional cash drawer. - Led the branch in sales every quarter, achieving Star of Excellence in the District in Quarter 2 of 2012.- Selected to share best practices with bankers in the district to help close more home equity loans.- Consistently funded over $500,000 quarterly

Hutchinson, Minnesota

Managed a team of 4 tellers in an in-store branch location. Processed reports and performed monthly audits to ensure compliance with regulatory requirement. Managed the ATM and Cash Vault including ordering cash, processing logs and balancing. - Had a 100% teller balancing percentage. - Created a team environment that had been lacking prior. Location was used to consistent turnover; however, never had to hire for a replacement. - Designed games and activities to promote the financial to Wal-Mart patrons hoping to earn their business.

Hutchinson, Minnesota

When I was a crew chief I had a variety of tasks. I would manage opening and closing shifts. I was in charge of the kitchen most nights and other nights I would lead the front. In the front I was in charge of making sure food was brought out correctly and I would also count the tills to ensure accuracy. I would handle any customer complaints. After close I was in charge of reports and doing the safe. I was also awarded employee of the month in September of 2006.

Master Of Business Administration - Mba, Finance, 4.0

Managerial Accounting, Accounting, Business

I started my college career part time while still attending high school. This offered me the opportunity to graduate with my associates.

Bachelor Of Business Administration - Bba, Business Administration And Management, General, 4.0