Steven Lybbert Email & Phone Number

Billings, Mt, Us

Provo, Utah, United States

• Provided comprehensive General Ledger and account reconciliation support for both the bank and its holding company's accounting department, ensuring financial accuracy and compliance.• Spearheaded the onboarding and management of a vendor for a pivotal corporate initiative, centralizing donations and volunteerism activities for over 1,400 employees across the United States and China.• Directed the training and management of bank tellers, analysts, and accounting team members at multiple locations, enhancing the efficiency of daily operations and partner settlements.• Supervised the oversight of all branch regulatory monitoring and audit requests, upholding the bank's good-standing and compliance with various government entities.

Provo, Utah, United States

• Conducted thorough examinations of deposit and lending documents to ensure complete adherence to bank policies, as mandated by internal and external audits, and federal examinations.• Led the review and enhancement of deposit account disclosures, ensuring full compliance with all pertinent regulations, including Reg CC, D, DD, and E.• Managed the improvement of the bank's record retention policy and procedures to align with federal regulations, subsequently orchestrating comprehensive training for staff to guarantee ongoing compliance.

Provo, Utah, United States

• Supervised and executed General Ledger postings, Zero Balance Account settling, and addressed unposted items, ensuring financial accuracy and compliance.• Led the development and enhancement of deposit products, credit offerings, and their parameters, facilitating product innovation and regulatory adherence.• Formulated and implemented the bank's policies for the SBA’s PPP Loan Program, overseeing the program's in-house underwriting, funding, and portfolio management.

Provo, Utah, United States

• Performed underwriting and documentation of creditworthiness utilizing financial data from consumers and businesses, ensuring informed credit decision-making.• Played a pivotal role in credit investigations and analyses, leveraging cash flow and financial information to assess loan applicants' creditworthiness.• Efficiently managed credit line increase requests and addressed return items for a nationwide credit card portfolio valued at $80MM, optimizing credit allocation processes.• Contributed to the financial stability of the Bank by aiding in the monitoring and due diligence of third-party partners, mitigating credit exposure risks.

Billings, Montana, United States

• Managed daily accounting and reconciled accounts, ensuring accuracy and compliance.• Analyzed inventory pricing and resale values to optimize margins for Grandpa's Farm.• Led procurement efforts, onboarded vendors, and prepared tax returns, presenting financial statements to owners.

Phoenix, Arizona

• Analyzed financial statements for companies with revenues ranging from $50M to $4B, ensuring accurate risk assessment for credit booking with prospective and current clients.• Utilized internal software to calculate and evaluate credit risk, incorporating analysis of clients' financial current, historical, and market trends to determine the level of credit offered.• Drafted detailed Financial Analysis Summaries and Annual Exposure Reports, providing clear insights into clients' current exposure and facilitating informed decision-making.

Master Of Business Administration - Mba, Specialization In Accounting, 3.70

Bachelor Of Science - Bs, Business Management/Accounting

Activities and Societies: FPA - Utah ChapterMinor in Accounting

Associate Of Science - As, College/University Preparatory And Advanced High School/Secondary Diploma Program

Education record