RICHARD F.

KRAUS
2280 Phillips Dr., Northglenn, CO 80233
309-256-2266 rkecf13c@westpost.net

OBJECTIVE
My objective is to utilize my previous experience in the finance and insurance
fields to pursue new opportunities.
EXPERIENCE
October, 2009 to November, 2010 U S Bank
Senior Banker, In-Store
Handled Monetary Transactions through client interactions on a daily basis.
Developed and maintained personal relationships by offering various loan al
ternatives.
Acted as Vault Teller, maintaining proper cash balances for branch and ATM
to ensure customer service.
May, 2004 to August, 2009 South Side Trust & Savings Bank, Peoria, IL
Assistant Manager, Personal Loan Department October, 2005 to August, 2009
Assist in management of loan department and support Branch loan op
erations.
Developed and maintained personal loan portfolio including second mortgag
e loans and home equity lines of credit.
Lead Administrator for indirect loan management through DEALTRAK website
and for internet applications through DATA.Vision.
Collection Manager, Consumer Loans, Real Estate Loans and Visa Accou
nts May, 2004 to October, 2005
Managed all daily collection activity.
Performed collateral checks for wholesale portfolio.
Prepare and file all necessary paperwork for repossessions and bankruptc
ies.

November, 2003 to February, 2004 Platinum Services, Inc., Dubuque, IA

Independent Contractor, Insurance Agent
Qualify and solicit territory for potential clientele.
Recommend proper coverage for perspective clients.
Complete necessary documentation for underwriting purposes.
November, 2001 to November, 2003 American General Life and Accident Insurance C
ompany, Peoria, IL
Associate Manager
Manage daily activities of Agency Staff.
Recruit and train new Agents for Peoria staff.
Oversee all Human Resource situations at local level.
September, 1981 to September, 2001 Citicapital Commercial Corporation (formerly
Associates Commercial Corporation), Dallas, TX
Branch Operations Manager, Peoria, IL from January, 2001 to September, 2001
 My duties included managing the daily operations of a $300.0M branch, oversee
ing all Human Resource situations at the local level and servicing our client a
nd dealer base on a daily basis.
District Sales Manager, Peoria, IL from July, 1997 to January, 2001
In this position, my responsibilities included servicing both the retail and
dealer clientele, sourcing new retail transactions through direct client contact
and securing new dealer wholesale opportunities for the company.
Office Manager, Peoria, IL from June, 1995 to July, 1997
Duties included managing the daily activities of the branch credit and colle
ction staff, reviewed and maintained all branch wholesale and retail documenta
tion and oversaw entire staff morale.
Credit Administrator, Dallas, TX from January, 1992 to June, 1995
Primary responsibilities were to act as a liaison between Branch Network and
Senior Management on all transactions over branch authority levels, conduct bra
nch supervisions, educating and lending advise on corporate and legal policies
and teach financial statement analysis and documentation to branch personnel in
scheduled seminars.
Office, Credit and Collection Manager, Boston, MA, Washington, DC, Denver, CO f
rom September, 1981 to January, 1992
EDUCATION
B. A. Business Administration from 1971 to 1978
Northern Illinois University DeKalb, IL
INTERESTS
All outdoor activities including golf, running and fishing.