Lisa Klosowski Email & Phone Number

Duluth, Minnesota, United States

Role Overview:As a Business Operations Specialist at North Shore Bank, I drive the optimization of credit and lending operations through meticulous analysis and strategic insights. My key responsibilities include:Credit Analysis & Documentation: Assess and analyze complex credit requests; conduct detailed financial statement reviews and ensure loan documentation accuracy.Credit Quality Evaluation: Regularly evaluate loan portfolios to ensure compliance with regulatory standards and internal guidelines.Financial Insights: Analyze business financial statements and corporate tax returns to support Loan Officers with critical insights for informed credit decisions and risk management.Regulatory Compliance: Stay abreast of regulatory changes and ensure all operations adhere to current laws and regulations.Professional Development and Training: Engage in continuous learning through courses, seminars, and workshops to enhance industry knowledge and skills. Continue to grow by training others and deveoping training resources for the team,Key Achievements:Enhanced Efficiency: Streamlined credit assessment processes, reducing processing time by 15% and boosting operational efficiency.Risk Mitigation: Identified and mitigated potential credit risks, leading to a decrease in loan default rates.Informed Decision-Making: Provided actionable insights through comprehensive financial analysis, improving credit decision-making and customer satisfaction.Skills:Credit AnalysisCommercial BankingRegulatory ComplianceFinancial AnalysisRisk ManagementProcess ImprovementProfessional Development

Duluth, Minnesota, United States

Oversaw end-to-end district operations in fast-paced, deadline-driven, and evolving environment. Directed cross-functional team consisting of 30 employees from 8 locations. Supervised staff performances, facilitated personnel management, and conducted training. Established manager and branch goals and deftly handled human resources issues. Managed branch portfolios totaling over $105M outstanding.• Named to President's Council and won multi-year Chairman Forum's award.• Spearheaded eight branches with up to 30 employees and a total outstanding of $105M.• Consistently exceeded 10% growth standards by utilizing market-best strategies.• Implemented robust action plans to respond to audit discoveries and compliance violations.• Launched several training programs at district and regional levels leading to successful development of new hires.• Optimized productivity, enhanced employee performance, and engaged staff effectively by mentoring different teams.• Accomplished growth/profit objectives through steady creation of new development marketplace presence.• Facilitated opening and relocation of at least 10 branches over the span of 10 years.Also held Branch Manager role