John Larson Email & Phone Number

Lakeville, Minnesota, United States

Manage a high performing team of credit officers that deliver outstanding business results, which have been key driver of growth for the organization. The team underwrites and monitors a diversified portfolio of clients primarily in the food manufacturing, agribusiness, telecommunications and rural utilities industries. The portfolio has outstanding principal of ~$8B, and total commitments of more than $11B. Additional responsibilities include: managing loan committee process as a voting member; providing strategic direction for processes and procedures; setting annual budgets; and managing credit quality; all while increasing operational efficiencies.

Northfield, Mn

Develop and manage a quality commercial loan portfolio by providing a high level of customer service and building strong banking relationships. I generate strong levels of loan volume, loan fee income, and core deposits for the bank. In addition, I actively participant in loan related committees, bank planning, training and/or programs. Work with our entire team to monitor portfolio quality through the review of financial statements . All activities are completed in compliance to policy, approval guidelines, and bank regulations.

Apple Valley, Mn

Underwrite new capital markets transactions in the food, grain processing, telecommunications, power, healthcare and general agribusiness segments. Transactions range from $50 million to more than $1 billion, with holds ranging from $5 million to $35 million. Monitor client performance by reviewing monthly, quarterly and annual financial statements on an ongoing basis for a $400 million loan portfolio. Serve as an alternative loan committee member. Assist in the development and updating of underwriting standards and policies used to approve loans.

Northfield, Mn

Delivered a wide variety of value-added financial services to a diverse group of agribusinesses in Minnesota, and Western Wisconsin. Created and customized loan and lease solutions for clients in collaboration with other team members. Reviewed, initially analyzed and proposed loan/lease structure for complex agribusiness loan/lease transactions involving clients with $1 million to $100+ million in annual sales. Managed a $40 million loan and lease portfolio.Focused on risk management solutions for clients through education about counterparty risk, hedging policies, accounts receivable management and other pertinent business topics. Assisted clients in securing guaranteed loans through the Small Business Administration and USDA’s Business and Industry Program. Continually develop new business relationships through cold calling and industry networking.

Northfield, Mn

Created customized loan and lease solutions for farm clients in conjunction with other team members. Production industries served included row crops, dairy, swine, poultry and specialty crop production. Managed a ~$50 million portfolio of lines of credit, equipment loans, real estate loans and leases. Provided risk management solutions for clients through crop insurance, along with education about counterparty risk, hedging, product marketing and other pertinent business topics.

St. Paul, Mn

Developed an organic trading division for a grain trading company. In the first year, increased sales from zero to $750,000 with a gross profit margin of nearly 10%. Worked directly with producers and food processors to create a large customer and vendor network. Designed and implemented standard operating procedures for organic trading and documentation.