David Thomas Email & Phone Number

Yankton, South Dakota, United States

Inver Grove Heights, Minnesota, United States

• Achievements:
• Founded small construction business serving residential homes, apartments and general facilities. Established the company with a clear mission, vision, and culture to promote overall profitability while also providing.
• Accountable for services, client estimates, and P&L. Directs, bids and services facility maintenance and repair, and remodel projects with direct customer interaction.
• Maintenance, remodeling, repair, installations, commercial snow removal, residential roofing, requiring extensive skills with general construction, carpentry, MEP: Mechanical Electrical, Plumbing repairs and systems.
• Strong analytical, math and computer, and client relation skills.

Yankton, SD

• Agriculture Real Estate Credit AnalystAchievements:
• Preparation of credit memorandums and loan/security documentation for new and refinanced lending transactions ranging from $1M to $10M. Products ranged from land purchases, hog & cattle facilities, dairy production.
• Managed credit risk exposures across an assigned portfolio machinery/equipment loan requests. Day to Day:
• Applied “Integrity Selling” methods to improve customer interactions. Received accolades on a regular basis for communication and problem-solving skills, strong work ethic, dedication, detail, and honesty.
• Underwriting AG Real Estate (term & RLOC’s) as well as Machinery & Equipment loan requests. Daily tasks include compiling, analyzing, and preparing loans for secondary market submission utilizing current ratio/working.
• Administered the Iron Country Loan program by working closely with loan officers and vendor/partners on Machinery & Equipment loan requests. Responsible for disbursing monthly rate updates, conducting staff/vendor.

Yankton, SD

• Achievements:
• First National Bank South Dakota 2007 Service Star of the Year
• Managed staff of 1-2 people and oversaw the collections department and all related activities.
• Collected across consumer, AG indirect, and mortgage portfolios up to $100M as well as doing loan extensions and modifications plus managed the charge-off and liquidation processes of these products.
• Consistently performed well above bank and industry standards related to charge-off losses.
• Reviewed and decisioned overdraft issues for customers as well as bank officers.Consumer Underwriting promotedPerformed underwriting on all direct consumer loan products including second mortgages, plus multiple.

Customer Service, Sales and Collection roles managing customer accounts. Assisted with merchandise delivery, set-up and repossessions.

Supervised and trained a staff of six to ten people. Oversaw processing of 250,000+ items of merchandise.