1. Associated Bank, N.A. is an Equal Housing Lender and Equal Opportunity Lender. Member FDIC and Associated Banc-Corp.
October 5, 2015
RE: 2015 Summer Internship Program – Zachary Kumbier
To Whom It May Concern:
I first met Zack early 2015 while interviewing candidates for a summer internship position on my
Residential Lending Compliance Quality Control team. During that initial meeting, I found Zack to be
articulate, confident and enthusiastic, qualities I knew would lend well to a corporate environment and to
the responsibilities of the intern position.
Regulatory compliance requires patience, acute attention to detail, and a commitment to accuracy. It can
be challenging to find these qualities in a colleague; however, Zack’s willingness to take initiative, his
ability to work independently, and his commitment to each assignment served to benefit the team and
business line. The internship role required Zack to learn components of specific mortgage regulations,
test loan files for compliance with those rules, analyze his findings, and succinctly summarize those
results into a report. When given the opportunity to, Zack also eagerly and confidently presented his
summary findings in meeting sessions that included senior-level executives of the bank.
Though I was impressed with the quality of Zack’s work, I was most appreciative that he came to the
office every day eager to work, learn, and support the team’s goals. I am confident that with Zack’s
positive attitude and enthusiastic approach to new challenges, there is no limit to the success he’ll
achieve as he continues to develop his career. It was a genuine pleasure working with him.
Sincerely,
Meghan Smith
VP, Residential Lending Compliance Quality Control Manager
815 N Water Street, 3rd
Floor
Milwaukee, WI 53202
414-347-2055 PHONE
Residential Lending Compliance