HEATHER CARLSON
Wausa
Summary
Dynamic professional with a strong background in agricultural finance and customer relationship management at Commercial State Bank and Bank of Hartington. Proven ability to process loans efficiently while fostering positive client connections. Skilled in financial analysis and conflict resolution, ensuring timely payments and compliance. An adaptive team player dedicated to enhancing customer experiences and driving business success.
Overview
20
20
years of professional experience
Work History
Customer Service Representative
Commercial State Bank
11.2024 - Current
- Process transactions, including money transfers, deposits and withdrawals
- Opening and closing accounts including Checking, Savings, Money Markets, Certificates of Deposits, and ATM Cards
- Input Consumer, Commercial, Ag, and Real Estate loans on Precision System
- Respond to customer inquiries, providing information on bank accounts and services
- Process stop payments and loan payments
- Provide assistance with online and mobile banking
- Importing/Interfacing of ACH, ATM, Cash Letters, Mobile deposit, Remote deposits and daily proof work
- Assist in the opening and managing of IRA and HSA
Jr. Ag Loan Officer
Bank of Hartington
01.2022 - 11.2024
- Conducted farm visits and discussed farm plans with customers
- Built positive relationships with customers and community members
- Processed loan payments and extensions
- Created financial statements and analysis in Moody’s
- Created Ag and Real-estate appraisals for loan committee
- Actively monitored the progress of all agricultural loans, ensuring that payments were made on time and within budget constraints
- Understanding of agricultural production practices, farm equipment, crop cycles, cattle management, and relevant government programs
- ATM custodian and process customer ATM deposits
- Filed loan documents with the state and county offices
- Prepared loan packages and conducted initial financial analyses to present to loan committee for approval
- Generated farm cash flows for farm operations
Marketing Officer/ Customer Service Representative
Commercial State Bank
07.2007 - 01.2022
- Process customer checking deposits, savings deposits, cash and withdrawals
- Opening and closing accounts including Checking, Savings, Money Markets, Certificates of Deposits, and ATM Cards
- Input Consumer, Commercial, Ag, and Real Estate loans on Precision System
- Respond to customer inquiries, providing information on bank accounts and services
- Process stop payments and loan payments
- Provide assistance with online and mobile banking
- Importing/Interfacing of ACH, ATM, Cash Letters, and daily proof work
- Filed loan documents with the state and county offices
- Experience with Canva, Facebook, and Webpage design
- Positively communicated with local businesses and entities in the Wausa community
- Updated escrows and performed escrow analysis
- Leader of the marketing committee
Customer Service Representative
Madison County Bank
08.2005 - 05.2007
- Process customer checking deposits, savings deposits, cash and withdrawals
- Balance cash drawer and negotiable items
- ATM custodian and process customer ATM deposits
- Sell and redeem savings bonds
- Process credit card advances and payments
- Sell travelers checks, money orders, and cashier’s checks
- Preform office and clerical duties
Education
Associates of Applied Science - Banking and Insurance Option
Northeast Community College
Norfolk, Nebraska05.2007
Skills
- Agricultural finance
- Account management
- Loan processing
- Financial analysis
- Customer relationship management
- Conflict resolution
- Problem solving
- Attention to detail
- Effective communication
- Adaptive team player
References
References available upon request.
Timeline
Customer Service Representative
Commercial State Bank
11.2024 - Current
Jr. Ag Loan Officer
Bank of Hartington
01.2022 - 11.2024
Marketing Officer/ Customer Service Representative
Commercial State Bank
07.2007 - 01.2022
Customer Service Representative
Madison County Bank
08.2005 - 05.2007
Associates of Applied Science - Banking and Insurance Option
Northeast Community College
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