Heath Miller Email & Phone Number

Redwood Falls, Mn, Us

· Lead the Waseca market with 4 direct reports and indirectly manage 26 other staff, focusing on the growth of market loans, deposits, and referrals to various business lines. · Manage, monitor, and enhance the growth of the existing Agricultural and Commercial loan portfolio, ranging from $65M to $70M. Ensure proper risk assessment and early identification of potential issues, consistently exceeding annual portfolio loan growth targets of 5%.· Prepare about 80 accurate and high-quality loan presentations per year for existing portfolio requests and complex prospect requests from across the region.· Implement pricing strategies for new loan originations and renewals, resulting in increasing bank profitability through fee and interest income by 7% YOY. · Serve as the primary representative of the bank in a professional, ethical, and positive manner, promoting the institution in the communities served through active participation in civic and community organizations and about 24 key events per year.

Fort Worth, Texas, Us

· Managed day-to-day Profit and Loss (P&L) operations, including up to a $4M budget, with a strong focus on business growth and building a new team from scratch.· Successfully built the Fremont, NE location without an established site, team, customer base, or prospects, transforming the location into a highly profitable branch and achieving consecutive year-over-year doubling of the customer base and loan portfolio – from 3 large agricultural customers and $2M in originations in 2015 to 19 customers and $23M in originations in 2018.· Oversaw all credit decisions for the location and played a pivotal role in complex multi-party credit requests spanning the company and the country. As the sole credit officer in the location, maintained responsibility for all credit decisions and underwriting processes.· Led a team of 3 responsible for managing customer transactions, from spring loan disbursements to fall and winter payoffs, including occasional collections.· Scaled the location through the recruitment, training, and development of key support personnel, ensuring adherence to stringent credit standards.· Spearheaded all marketing efforts in 4 states, including 40 one-on-one customer visits per year and 6 large-group presentations per year.

Omaha, Nebraska, Us

· Led a high-performing team of 9 loan officers and 8 credit specialists that achieved remarkable annual growth, averaging 16.8%, and exceptional loan volume increase over a 4-year period with a total $159M. · Grew the loan portfolio from $150M to $333M by developing and enhancing existing products and processes, which resulted in improved operational efficiency and sustainability of the Country Home Loan products and teams, and increased viability, marketability, capacity, and portfolio diversity.· Served as a key player in the implementation of a new origination software for the Country Home Loan team and Farm Credit Services of America, including training 25 officers, 23 credit analysts, and 7 underwriters.· Held responsibility for the recruitment, training, and development of 5 new loan officers and 9 new loan specialists.· Contributed to the development, leadership, and execution of a comprehensive structural and process overhaul within the Country Home Loan division of the company, leading to the consolidation of 4 part-time resources into one full-time role, which significantly enhanced the efficiency and delivery of the Country Home Loan product to customers.