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 some low-to-no charge services to individuals and non-profit organizations in the community. Day to Day:• 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 such as HVAC.• 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, ranching operations, and a variety of crop and other commodity production across multiple sectors from typical row crop, no-till, organic, and crop seed 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 capital, LTV, owner’s equity, balance sheets, tax returns, cash flow projections, credit bureaus, UCC’s, purchase/entity agreements, plus calculating term debt coverage/repayment ability. • 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 meetings, and tracking monthly officer incentive bonuses.• Conducted quarterly training webinars to refresh and educate loan officers on the various product offerings available through the DMAC department.

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 indirect auto and Ag dealers from 2003 to early 2011, including McCormick Distributing restaurant equipment requests.Collections Specialist promotedPerformed a variety of general collections duties on all consumer loans including a $60-70 million indirect auto finance program; duties ranged from basic contacts to repossessions and liquidations, extensions and loan modifications. Prepared various reports for upper management and audit staff relating to charged off items and items monitored by the OCC.• Managed bankruptcy issues, including all necessary filings on most accounts. Acted as a liaison to our indirect auto dealers. Coordinated and implemented our company’s change from FPI to VSI/Blanket collateral insurance for our consumer portfolio.• Managed risk ratings for assigned consumer and agriculture indirect loans.

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.