Summary
Overview
Work History
Education
Skills
Timeline
Community Impact
Generic

Chris Hybertson

Sioux Falls

Summary

Experienced in overseeing complex loans and managing construction loan draw processes. Skilled in commercial lending and operational environments to ensure compliance with bank standards and regulations. Adept at reviewing documentation for accuracy and completeness, facilitating timely funding, and enhancing client experience. Provides expert guidance on loan processing, known for reliability, problem-solving and clear communication.

Overview

20
20
years of professional experience

Work History

Commercial Banking Representative III

First Interstate Bank
03.2023 - Current
  • Loan portfolio management - skilled in overseeing construction loan pipelines from application through funding and close-out.
  • Documentation accuracy - ensures all loan files, draw requests, and supporting materials are complete, accurate, and compliant.
  • Process loan applications - analyze financials and third-party reports; collaborate with commercial bankers, credit analysts, counsel and vendors to secure documentation and submit complete packages aligned with approval requirements.
  • Customer support - verbal and written communications, transactions, and account inquiries with professionalism; resolve issues through prompt research and accurate account maintenance.
  • Ensure compliance - with regulatory, legal, and internal credit policies across loan applications, documentation, and account management.

Deposit Operations Manager

Great Western Bank / First Interstate Bank
06.2019 - 03.2023
  • Managed operations across key departments with a focus on Debit Card and ATM dispute resolution, streamlining workflows, ensuring regulatory compliance, and maintaining high service standards.
  • Implemented risk management strategies and fraud detection protocols to safeguard assets, mitigate financial losses, and ensure regulatory compliance across banking operations.
  • Led process improvement initiatives that resulted in significant cost savings while maintaining high levels of service quality.

IRA/Card Maintenance Supervisor

TCF National Bank
03.2014 - 03.2019
  • Managed, coached, and trained team members to deliver exceptional customer service by providing expert guidance on IRA's and card products.
  • Led IRA Department relocation from Minneapolis to Sioux Falls, mastering regulations to ensure a smooth, deadline-driven transition.
  • Managed ATM branch ledger reconciliations, ensuring accuracy, timely discrepancy resolution, and compliance with financial controls.

Branch Manager

MetaBank / Wells Fargo
06.2005 - 01.2014
  • Impacted branch sales, customer satisfaction, and staffing by optimizing team performance.
  • Developed controls to assist the team and create a visual list of compliance activities.
  • Made decisions based on aspects of risk through fee income, underwriting, and customer satisfaction affecting the bottom line of profit and growth.

Education

Bachelor of Science - Business Administration

Black Hills State University
12.1999

Skills

  • Commercial construction loan processing
  • Complex loan processing
  • Collaborative communicator
  • Technical proficiency
  • Analytical problem-solving
  • Client relationship building
  • Compliance, banking laws, and regulations

Timeline

Commercial Banking Representative III

First Interstate Bank
03.2023 - Current

Deposit Operations Manager

Great Western Bank / First Interstate Bank
06.2019 - 03.2023

IRA/Card Maintenance Supervisor

TCF National Bank
03.2014 - 03.2019

Branch Manager

MetaBank / Wells Fargo
06.2005 - 01.2014

Bachelor of Science - Business Administration

Black Hills State University

Community Impact

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Chris Hybertson