Kim Kobriger has over 30 years of experience in executive leadership roles in the banking industry, directing multi-state offices and ensuring compliance. She developed premier performance plans that improved productivity and compliance. Kobriger has strong communication, financial, and strategic planning skills and experience mentoring teams.

1. KIM M. KOBRIGER
4233 E. Shangri La Road HARVEST CONSULTING LLC Home: (602) 494-0928
Phoenix, Arizona 85028
Email:kim.kobriger@gmail.com Mobile: (602) 319-5840
SUMMARY
Versatile, experienced executive leadership successfully directing and integrating multi-state offices as a support to
sales and training in compliance with regulatory and bank policies. Developed and implemented premier
performance plans for managers leading to increased productivity, reduced turn times, and improved compliance
with regulatory and bank policy. Excellent written and verbal communication skills. Strong financial skills and
know how in creating value. Skilled in team building and developing unified strategic business initiatives with
senior management.
• Leadership • Mentoring/Team Building
• Compliance Training • Strategic Planning
• Customer Service • Excellent Communicator
• Cost Effective • Compliance Implementation
• Highly analytical • Persuasive speaker
PROFESSIONAL EXPERIENCE
PHOENIX 12/2006 to present
• Harvest Consulting
FIFTH THIRD BANK 4/2005 9/2006
• Regional Manager and Vice President Cincinnati Region. States covered included OH, IL,
IN,PA,WVA,TN,KY,MO,WI and VA.
BANK ONE/JP MORGAN CHASE 2003-2005
• Senior reviewer and consultant to Chief Appraiser, responsible for providing advise and council on policies,
process, procedures to improve department efficiency, productivity and customer service
WELLS FARGO/NORWEST BANK RETECHS 1998-2003
Director and Collateral Manager 3, Central West States
• Integrated merger between units of Norwest and Wells Fargo resulting in more uniform understanding of
regulatory, bank policies and compliance needs. States covered included AZ, NM, NV, IO, ID, MN, MI, NE,
CO, MT, UT, WA, WI, OR, ND, SD, and WY.
• Achieved highest billing production and shortest turn times of all regional offices supporting 35 states.
• Developed and implemented training package modules for use in training on policies, process, and procedures.
• Initiated and developed Premier Performance Planning for all employees.
• Developed and distributed customer survey to obtain performance measurements and feedback.
• Trained sales and marketing force in compliance, bank policy, and regulatory guidelines.
• Acted as a liaison between credit approval and line functions, successfully passing all audits, compliance, and
regulation exams.
• Integrated and implemented new acquisition orientation on bank policy, regulatory compliance.
• Improved quality of contracted vendor reports by partnering with vendors and establishing product needs of the
business.
• Teamed with Credit Approvers to enhance credit quality through objective review and analysis of potential risk.

2. NORWEST BANK 1993-1998
Regional Manager, Southwest States reporting to Senior Regional Credit Officer
• Developed revenue neutral cost approach to budget that saved company $500,000-$750,000 annually.
• Saved company over $1,000,000 in annual outside vendor contracts while reducing turn time from weeks to
minutes for home equity business while maintain compliance with all regulatory and bank policy guidelines.
• Initiated and implemented corporate wide Policies for Appraisal and Environmental.
• Trained sales and marketing force in diversity sensitivity, bank policy, and regulatory compliance.
• Implemented standard procedures that led to passing of all regulatory compliance exams, all audit exams, and all
credit quality measures.
• Qualified and developed list of approved outside contract vendors.
CITIBANK (ARIZONA) Credit Administration 1990-1993
Chief Appraiser
• Reduced outside vendor contract billings from an average of $6,500 to under $3,500 per contract.
• Developed MIS database for tracking of requests, quality of reports, approved vendors.
• Wrote and developed and trained sales and marketing employees on regulatory and bank policies, and
compliance.
• Traveled at request of senior management to areas outside of region to review and analyze exposure and potential
risk for deterioration of existing portfolio.
• Established approved vendor contractor criteria and qualifications.
PIMA SAVINGS AND LOAN ASSOCIATION 1988-1990
Chief Appraiser and Senior Reviewer
• Organized and structured department. Accountable for bank policy and regulatory compliance.
• Improved quality of vendor contractor list and vendor report product.
• Developed first management information systems database.
• Established approved vendor contractor list and qualifying standards.
Professional experience prior to 1988:
PETO SEED
Research/Assistant Laboratory Manager
Duties included hiring and training personnel, purchase and bid applications for equipment and supplies.
WINDOWS AND DOORS
Manager
Managed all phases of business including marketing, collections, purchasing, shipping, receiving, invoicing, new
product introduction, inventory accounts payable and hiring. Experience in family-owned construction and
wholesale lumber business.
EDUCATION
Doctorate with honors in Agriculture, University of Wisconsin, Madison, WI
Master of Science with honors in Botany and Ecology, Eastern Illinois University, Charleston, IL
Bachelor of Arts with honors in Biology, Ripon College, Ripon, WI
PROFESSIONAL AFFILIATIONS
• MAI Designation (No. 8871)
• CCIM Certified Commercial Investment Member (No.
7451)
• Member Royal Institute Chartered Surveyors (No.
1259541)

3. COMMUNITY LEADERSHIP ROLES
• President- Phoenix Chapter Appraisal Institute
• Chair and head facilitator and moderator, RMA Chief Appraisers Round Table (9 years)
• Member of Nature Conservancy Corporate Committee
• Government Relations Co-chair- Phx Chapter Appraisal Institute
• President- St. Bernadette Choir
• Chair Finance Committee St. Bernadette Church
• Co-chair- Arizona Dept of Environmental Quality- Measuring Biological Diversity
• Member- AZ DEQ Soil Remediation Task Force
• Member- State Legislative Appointed Committee on Underground Storage Tanks
• Instructor- Jr. Achievement, Horizon High School Advanced Economics
• Instructor- Phoenix College- Golf Course Turf Management
• President- Graduate Student Council University of Wisconsin Plant Pathology