Nathan Barr Email & Phone Number

United States

Remote

Marion, Iowa, United States

• Loan Officer at Koniag Government Services (Koniag took over my Brillient Corporation's contract)
• Analyze SBA Economic Injury Disaster Loans (Direct contributing Underwriter, as of APR 2022, 3.9 million loans issued, worth more than $369.1 Billion) – review borrowers’ applications, credit, and qualifications to.
• Review assigned loan files (40-60 a day) to become acquainted with characteristic… Show more Loan Officer at Koniag Government Services (Koniag took over my Brillient Corporation's contract)
• Review assigned loan files (40-60 a day) to become acquainted with characteristic requirements, terms of loan, and fraud alerts – therefore to decision an approval or denial.
• Special Project - Analyze and make corrections on 4506-T forms for the SBA and upload to the IRS for final approval (100+ deals a day).
• Collaborate with borrowers, loan officers, and other trusted advisors through participation in joint calls with SBA borrowers to retrieve missing information to make a thorough decision.

Waterloo, Iowa Area

• Analyze SBA 504 Program applicants’ financial status, credit, and discretionary income test to determine loan feasibility and eligibility.
• Perform lending functions including: business development, credit analysis and underwriting, deal structuring, presentation for loan approvals, facilitate loan closings and ongoing relationship management while.
• Negotiate and structure commercial loan transactions to satisfy bank requirements and borrowers' needs… Show more
• Negotiate and structure commercial loan transactions to satisfy bank requirements and borrowers' needs while keeping both parties content.
• Collaborate with business bankers, commercial lenders, and other trusted advisors through participation in joint calls with SBA borrowers.
• Act as a resource to Branch lenders on eligibility requests, to identify qualifying borrowers, and improve acquaintance of SBA/Government Loan Programs.

North Liberty, Iowa

• Approved or denied credit applications within the scope of Credit Union retail lending guidelines and policies, and individual approval authority (on average 150+ deals a day).
• Conducted credit interviews and performed comprehensive credit investigations on all types of credit applications; processed primarily indirect lending credit applications.
• Performed necessary collection work on delinquent accounts at the request of the Vice-President/Collections Supervisor, worked accounts… Show more
• Performed necessary collection work on delinquent accounts at the request of the Vice-President/Collections Supervisor, worked accounts until satisfactory objectives were met, or recommended for charge-off.
• Obtained documentation necessary and credit reports for all accounts. Verified debts, estimated monthly payments for outstanding debts.
• Worked towards balanced representation in each risk category used in pricing structure.

Main Branch

• Analyzed risk of potential direct (credit cards, home equity, unsecured, and auto) and indirect (auto dealership) loans within lending authority limit (on average 100-120 deals a day).
• Updated loan procedures and policies as necessary for potential loans to ensure compliance policies and mitigate risk.
• Reviewed contracts and signed off on legal indirect dealer documents before sending to funding department.
• Analyzed current cash flow reports and return flats for… Show more
• Analyzed current cash flow reports and return flats for dealers.
• Reviewed with VP of Consumer Lending in developing relationships with new dealers in servicing area, maintained current relationships, and signed service agreements.

North Liberty Branch

• Evaluated work performances and conducted salary review of personnel.
• Ensured that the branch met sales and service goals established by the Credit Union.
• Trained and supervised branch staff (8 employees).
• Assigned, directed, coordinated, and reviewed performance by staff.
• Assisted in planning and scheduling and acted as back up in absence of Branch Manager.
• Dealt with member issues and complaints and assisted staff in resolving problems.

North Liberty Branch

• Interviewed members about consumer and home equity loans and then process loans.
• Calculated DTI, LTV, and review credit scores using Loancierge.
• Opened new accounts; business, checking, savings, CD’s, IRA’s, HSA’s.
• Referred and sold various products and services to benefit members financially.
• Still performed all Member Sales Associate responsibilities.

Wiley Branch

• Handled the tasks of monitoring deposit amounts and examining documents for negotiability.
• Was responsible for opening & closing accounts as well as ordering checks for members.
• Trained new employees on various products and services.

Bachelor'S Degree, Business/Managerial Economics

Activities and Societies: BA in Economics, Minor in Business Administration, & Entrepreneurial Management Certificate

High School, General Education

Activities and Societies: Football, Basketball, Baseball, & Honor Roll