Gwen Stoltman Email & Phone Number

Illinois, Wisconsin, Minnesota

Responsible for the management and servicing of high risk asset portfolio’s across an assigned region. Evaluates, underwrites and makes credit decisions for commercial, traditional, investor, and consumer loan requests and determines if the characteristics of the credit package present an acceptable level of credit risk for the organization. Provides relationship based financial solutions for farmers, investors, and rural consumers.

Greater Chicago Area

Responsible for all aspects of credit extension and risk management activities. Responsible for conducting thorough reviews of customer financial statements, external credit rating information, credit references, payment history and other information available. Responsible for executing, upholding, and recommending policies, procedures, and controls in a manner resulting in maximum sales. Maintain effective relationships with third party suppliers related to extension of credit. Monitor credit hold positions.

Fargo, North Dakota Area

Recommend and implement policies and procedures to increase efficiency and maximize customer service. Lead in the implementation of credit policies and procedures and legal coordination to promote excellent credit quality. Work across multiple departments to ensure the development of a high-quality, extremely knowledgeable lending staff. Conduct instruction of credit philosophy and processes to new lending staff, and make sure all lending staff continually enhance their credit skills and knowledge to meet and exceed the expectations of increasingly sophisticated customers. Develop and lead various levels of credit classes, basic to complex, for employees with a need for specific credit training, and organize semi-annual credit meetings, including training content, selection of outside speakers, and overall meeting content.

Achievement-oriented professional with diversified experience in training and development of agricultural loan officers, credit analysts, and credit technicians. Continually seek outside expertise and/or develop training to suit the company’s training needs. Develop and lead various levels of training throughout the organization. Training experience in various e-Learning and m-Learning strategies as well as initiating Learning Management Systems (LMS). Strong PC skills, excellent multi-tasking and organizational aptitudes, and proven ability to educate and influence team members. Effective communicator and problem solver and enjoy supporting the efforts of members from multiple departments. Solid credentials: Master of Science in Agricultural Economics, NDSU.

Provide financial analysis for multiple branch locations. Deliver effective credit services and provide consistent and appropriate credit decisions and customer-focused financial solutions. Share expertise and act as a resource to other employees in the analysis and structuring of credit. Continue strong understanding of credit extension, credit administration, portfolio management and business development procedures with approval authority of $1,500,000. Analyze detailed, highly complex financial information and identify corresponding strengths and weaknesses. Responsible for analyzing and restructuring loans and provide general credit direction to loan officers. Coordinate Farm Service Agency (FSA) program procedures and direction for the association, review credit files, and maintain expertise. Responsible for training loan officers and customer service representatives in general credit guidelines and on use of financial software. Key Accomplishments:Pioneered internal process for FSA Guaranty program. Identified market opportunity for additional income for AgCountry as well as increasing safety and soundness of portfolio. Began program in 1999 and have continued to strengthen its use.Identified several $1,000,000+ risk exposures and consulted with business partners to rectify the situations.Spearheaded the development of several programs to achieve great efficiency and accuracy for management reporting.Continually monitor and add clarification to Credit Policy as needed including writing new policy in the form of Front End Guidance.

Supervisory responsibility of Credit Analysis department and company interns. Responsible for developing and maintaining Word documents, Excel spreadsheets, and Access databases. Query reports for management purposes. Trained credit employees on the developed documents and spreadsheets, wrote and distributed instruction manual for corresponding Word, Excel, and Access users. Responsible for regional, corporate, and federal credit reporting. Monitored federal regulations to meet guidelines.

Masters, Science Agricultural Economics - Agribusiness

Bs, Business Administration

Education record