Joseph Linck, Frm Email & Phone Number

Denver Metropolitan Area

• Review financial statements and other pertinent financial information to provide analysis of financial trends. • Acquire information from published industry reports, trade groups, journals, and other external sources to supplement and enhance the analysis of information provided by the borrower.• Identify strengths and weaknesses of the borrower and evaluates specific risks to the bank. • Prepare projection models to test loan-structuring alternatives. • Evaluate validity of the borrower’s business plan based on an assessment of the industry outlook, competition, technology, management, and capital structure. Provides estimates of company and/or collateral value.• Prepare and oversee the preparation of credit analyses and credit investigations to ensure the application of a relevant and thorough approach. • Provides direction and guidance to credit analysts and officers on all credit activities.• Assist with negotiations concerning the packaging of credit arrangements. Consult with lending or leasing staff and provide coaching on negotiation strategy, financing approaches, or other specific credit issues. • Monitor credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants. • Assist with internal research and analysis, provide statistical reports, and verify information. Prepare and deliver presentations on topics as assigned.• Approve or recommend credits for approval based on research and analysis completed by credit analysts or officers.

Denver Metropolitan Area

• Lead and participate on credit quality, credit administration and operational asset review of in-house retail agribusiness, rural infrastructure, corporate finance portfolios, and Agricultural Credit Associations. Specific focus areas included production agriculture, telecommunications, electric distribution, rural water and waste water, power, and project finance. • Lead the initial risk assessment activity for loan portfolios within the Bank and at District Associations including, summarizing key risk factors from the review of regulatory and portfolio reporting as well as identifying key control areas to be tested during review activity.• Summarize findings related to credit classification and administration, and capital and loan loss provision adequacy for presentation to Bank senior management, District Association management, boards of directors and regulatory agencies.

Denver Metropolitan Area

The Capital Markets Examiner Group at FCA is responsible for examining the most complex financial and capital market risk exposures within the Farm Credit System. My primary responsibilities as a Capital Markets Examiner include:-Identify, analyze, and communicate risks and issues in capital management, earnings, liquidity, interest rate risk measurement and management, and other finance-related areas necessary to effectively examine and supervise FCS finance operations. -Examine finance-related areas including investments, funding, asset-liability management, derivatives, secondary markets, financial modeling and analysis, model risk governance, and financial accounting and disclosures.-Provide other examiners within the Office of Examination guidance on advanced topics within the CELS (capital, earnings, liquidity, and sensitivity) areas.

Greater Denver Area

-Serve as the Examiner in Charge (EIC) for financial institutions within the Farm Credit System-Responsible for the federal regulation and oversight of the institutions in my charge -Lead groups of examiners serving as the project manager for examinations-Conduct extensive analyses on institution’s financial performance including Capital, Assets, Management, Earnings, Liquidity and Sensitivity (CAMELS) evaluations -Review and classify individual credit relationships ranging from traditional borrowers to multi-million dollar businesses-Develop Reports of Examination and communicate corrective actions and examination results to Farm Credit System Institutions Board of Directors and management teams-Work with other EIC’s to complete examinations of additional institutions within the Farm Credit System-Oversaw and reviewed multiple mergers and merger proposals of institutions within the Farm Credit System

Greater Denver Area

Dallas/Fort Worth Area

• Evaluate bank financial statements and reports for trends and risk• Performed statistical and judgment sampling along with querying techniques to analyze large loan databases• Developed an excel model to estimate current home prices using dated appraisals• Consult with executives of lending institutions within the Farm Credit System (FCS) to evaluate operational and financial risks • Analyze credit quality, underwriting practices, lending compliance to justify loan classifications and performance • Plan and lead compliance exams to determine if associations are properly complying with statutes and regulations • Present findings and recommendations to an Association’s Executive Management• Conduct financial performance and condition evaluations which evaluate an association’s capital, earnings, assets, management, liquidity, and sensitivity• Stay up to date with agriculture and commodity markets in order to properly analyze risk in the FCS• Interview loan officers to verify findings and investigate potential findings

Fort Collins, Co

Our Mission at Velocity Real Estate and Investments is to provide an exceptional experience in the buying and selling process of real estate and helping real estate investors achieve their financial goals. We will accomplish this by carefully listening to our client’s needs and wants, providing incomparable information and completing the necessary due diligence in achieving their goals and exceeding their expectations.As an intern with Velocity my responsibilities included:• Conducting and reporting research on the National and Northern Colorado Real Estate Markets• Forecasting real estate market direction based on economic factors and conditions• Formalizing real estate research in a well written professional marketing packet• Reviewing and editing documents to ensure data and information was accurate and up to date• Maintaining the monthly Northern Colorado real estate newsletter

Fort Collins, Colorado Area

Fort Collins, Colorado Area

The Summit Fund's goal is to enrich students' educational experience by bridging academic coursework with professional experience in managing an actual investment fund. In six of the past 10 years, the Summit Fund portfolio has beaten the S&P 500 index.One of 21 students selectively chosen to actively manage a $240,000 all equity portfolio on behalf of the CSU Foundation. Responsible for analysis of sector stocks using discounted cash flow and relative valuation techniques and recommending stocks for inclusion in portfolio. As the Basic Materials Analyst and the Recruitment Coordinator for Summit Fund I:• Used analytical skills along with economic analysis to forecast future revenues and expenses• Organized and scheduled interviews of approximately 25 applicants under time constraints• Gave three in depth analytical presentations• Significantly outperformed the Basic Materials benchmark

Greater Denver Area

Fort Collins, Colorado Area

Fort Collins, Colorado Area

Bachelor Of Science (B.S.), Coorperate Finance, Investment Analysis

Activities and Societies: Financial Planning Association, Summit Student Investment Fund, Finance Club, College of Business Leadership.

Education record

Activities and Societies: Newspaper Editor, Yearbook Editor, Hockey, Lacrosse