Deborah Heins has over 30 years of experience in commercial and consumer lending. She is currently the Credit Operations Manager at Susquehanna Bancshares, where she has led the consolidation of back office loan processes from acquired banks. Previously, she held various lending and management roles developing loan products, policies, and training programs.

1. De b b ie . h e in s @ s u s q u e h a n n a . n e t 7 1 7 - 3 7 1 - 4 8 0 9
Deborah L.S. Heins
Susquehanna Bancshares 1999 – present
2012 – Present VP - Loan Administration Manager/(6/2013)Credit Operations Manager
 Commercial Loan Policy Manager/Administrator
o Development, implementation, and maintenance
o Communicate, interface, and provide feedback within the
organizations various lending areas and make
recommendations for review
o Provide guidance and serve as policy, process and risk expert
for the (Commercial) organization
 Led Commercial Loan acquisition/merger along with back office
processes consolidation for mergers:
o Community Banks
o Abington Bank
o Graystone Tower Bank
1999 – 2012 VP - Loan Administration Manager
 Commercial Loan Documentation (1999 – 2009)
o Laser Pro / Attorney Prepared
 Pre/Post Closing Procedures (2012)
 Floorplan Operations (2007 - 2012)
o Flooring / Inspections
 Negotiable Collateral
 Commercial Administrative Coordinators
 Led Commercial Loan back office processes for internal banks
consolidation
 Commercial Loan Policy Administrator
 Mortgage Originations (2003/2004 )
 Consumer Underwriting (2001 – 2003)
 Developed/delivered consumer loan products & training
Primary liaison between Credit Risk Management and the SBI Loan Center in the
implementation and monitoring of policy, procedures and work flows.
Assist BSA and Special Investigations
Projects assigned (completed) but not limited to:
 Long Range Planning Project Loan Team Lean (2000)
 Loan Retail Focus Group Team Leader for SBI (ARGO)
 Commercial Credit file integration and imaging system (Synergy)
 Development of Commercial Loan Approval Tracking Systems
 Development of Commercial Loan Policy Sign Off
 Tax Payment Monitoring Service (outsource)
 Floorplan Inspections (outsource)

2. Professional Experience
6/1999 – present Susquehanna Bancshares
1995 – 1997 Vice President Consumer Lending – Charter National Bank & Trust, Hoffman
Estates, IL
 Assisted in the redesign and redevelopment of a troubled consumer loan
department with special emphasis on operations and procedures
 Active lender in direct and indirect installment areas
1993 – 1995 Vice-President GreatBanc Service Corporation/GreatBanc Algonquin
 Assisted in the creation of an installment loan department with special
emphasis on indirect automotive dealer paper
 Established policies and procedures regarding underwriting, title follow-up,
insurance verification and collection
1990 – 1993 Loan Officer Harris Bank St. Charles (St. Charles, Illinois)
1984 – 1986 On-Line Financial Services (Oakbrook, Illinois_
1972 – 1984 St. Charles Savings and Loan (St. Charles, Illinois)
Software Skills
 Adobe, Jack Henry, Microsoft Office (Word, Excel, PowerPoint), Outlook,
Nuance
Strengths
 Commercial & Consumer Lending Operations
 Consumer Underwriting
 Indirect Lending
 Problem Solving
 Project Management
 Team player, Independent, Accountable, Focused under pressure, Punctual,
Realistic
 Training, Public Speaking
References available upon request