DFTC Inc

--Commercial lending - underwriting and financial/credit consulting.
--Snr. commercial financial analyst/underwriter; Perform and review/UW analysis on new complex credit requests, participation purchases, annual/loan reviews, modifications, etc. 
--Taxes/IS/BS/Credit reports - Underwrite corporations, partnerships, LLCs, trusts, individual
--Complex ownership arrangements, global analysis
--SBA, USDA; Review and analysis of ESA Phase I/II, Environmental Clean-up, HUD Housing, FM1004 Appraisals, RE Commercial Appraisals, Eq/Machinery Appraisals, Business Appraisals, Title Examinations, Flood Determinations (NFIP & FEMA), review of purchase agreements, leases, rent rolls, estoppels/SNDAs, complex collateral.
--Covenant/condition suggestions, policy/exception review, risk analysis, exit strategy.
--Project management of social media, company communications, and web innovations.
-- Training and educational manual development (procedures and processes). Internal and external.
 --YR1 Instructor at CUNA Business Lending Certification School, UW Madison, WI

 Strategic Innovations Manager and Snr. Commercial Lending Underwriter

Commercial Lending - Underwriting and Financial Consulting

Alis Volat Propriis LLC

CEO/Owner - Residential Rental RE Mngt

Firefly Credit Union (formerly US Federal Credit Union)

--Manage MBL/Commercial portfolio, Loan Reviews, Commercial Portfolio Reporting, Chair/Secretary on MBL Committee, Secretary on Executive MBLC Committee, and Chair Credit Administration Committee.  Manage Policy and Procedure changes for Commercial Department. 
--Project Management.  Facilitate vendor connections to create new software relationships, building our products and services for members and employees - documentation software, loan management systems, etc.  Collaborate with Finance Department to ensure 5300 compliance.  
--Manager of Snr. Commercial Credit Analyst, Assoc. Credit Analyst and Loan Processors.  Direct workflow from Lenders/Cr. Analysts/Processors. Coordinate staff training. 
--Commercial financial analyst, MBL underwriter, and credit admin/officer; Perform and review/UW analysis on new complex credit requests, annual reviews, modifications, etc.  Participation purchase lending with multiple credit unions and associate CUSOs. Also audit credit analyst's loan presentations for accuracy/QC/policy compliance.  
--Experience with the following: SBA504, SBA 7a, Environmental Assessments (ESA Phase I/II), Environmental Clean-up, MN Pollution Control Agency (MPCA), Section 8 Contract Rents & Funding (HUD Housing Requirements), FM1004 Appraisals, RE Commercial Appraisals, Eq/Machinery Appraisals, Business Appraisals, Title Examination, Flood Determinations (NFIP & FEMA), HMDA, etc.
--Prepare complete pre-packages for internal audits and NCUA audits.  Manage audits and post-reports from auditors.  Ensure compliance with lender policy, governance & MN regulations and credit requirements, while emphasizing quality member service and adhering to given deadlines.

Credit Administration Manager

Hiway Federal Credit Union

Commercial Credit Administrator

Ideal Credit Union

To promote continuing education, award admirable students, and lessen the financial obligation of those that may have otherwise been unable to acheive their educational goals.

Board Chair, PCU Scholarship Fund

Other roles:  Business Service Officer (Lending/Underwriting), Consumer Loan Officer

Business/Mortgage Underwriting Manager

NASD Series 7 Exam (2002), Investment Advisors Series 66 Exam (2002), and Life, Health & Accident Insurance License Holder.  Sold Stocks, Bonds, Mutual Funds, Life & Health Insurance, 401K, 529 Plans, IRA's.

Investment Advisor

28 years of experience in the financial industry.  MBA from LSU. BS in Business/Finance from UW. AAS in Business. Instructor at CUNA Com'l Lending School. Comm'l Lending Underwriter, Marketing & Social Media Creator. "I work with Joe" 😉

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Sandy Fritz-Gerke, MBA

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