Manage credit quality of the bank’s key food and agribusiness clients, which include food processors and manufacturers, grain elevators, and large agricultural producers with aggregate borrowing needs ranging from $5MM to $600MM and average bank exposure of $20-30MM.- Analyze monthly financial and collateral reporting, conduct trend analyses, and communicate regularly with assigned credits (via phone and onsite visits) and participant banks.- Test monthly and quarterly loan… Show more Manage credit quality of the bank’s key food and agribusiness clients, which include food processors and manufacturers, grain elevators, and large agricultural producers with aggregate borrowing needs ranging from $5MM to $600MM and average bank exposure of $20-30MM.- Analyze monthly financial and collateral reporting, conduct trend analyses, and communicate regularly with assigned credits (via phone and onsite visits) and participant banks.- Test monthly and quarterly loan covenants; work with borrowers to understand what drives their financial indicators and recommend waivers or adverse action when metrics are not in compliance.- Present periodic portfolio reviews to the bank’s credit management team.- Manage the origination and loan modification process for incremental borrower needs; develop appropriate structures, gain credit support, and coordinate closing activities with internal partners and external counsel.Support line of business production goals:- Analyze initial financial information to identify opportunities that should be passed on or warrant additional time and resources.- Conduct joint calls with business development staff once qualified leads are identified and mutual value has been established; solidify the bank’s understanding of the prospect and sell FFB’s industry expertise. - Structure new credit facilities in collaboration with sales staff; match borrower needs and risks with appropriate credit products and loan covenants.- Create clear financial models and opportunity memos for credit committee and term sheet approval. Show less

Developed financial analyses and credit memos to support action on new loans, renewals, and modifications in FCMA’s production agriculture portfolio which included borrowers with aggregate borrowing needs of $10MM or less.Decisioned, on average, $200MM of loan volume annually; utilized delegated credit authority when applicable and presented recommendations for credits exceeding individual lending authority.Earned five increases in individual delegated lending authority starting… Show more Developed financial analyses and credit memos to support action on new loans, renewals, and modifications in FCMA’s production agriculture portfolio which included borrowers with aggregate borrowing needs of $10MM or less.Decisioned, on average, $200MM of loan volume annually; utilized delegated credit authority when applicable and presented recommendations for credits exceeding individual lending authority.Earned five increases in individual delegated lending authority starting with authority of $300,000 in aggregate borrower exposure and culminating in authority of $1,500,000 in aggregate exposure.Supported sales staff with credit expertise on borrower visits with assigned accounts and borrowers in financial distress.Mitigated association credit risk by appropriately offsetting borrower weaknesses with appropriate offsets and controls; maintained a track record of zero material audit findings while keeping individual denial rate in the lowest third of the production underwriting group.Mentored three new credit officers:- Taught Association credit policy, credit analysis, and memo preparation skills.- Served as approval authority on their credits until authority was granted.Worked in a cross functional group including risk management, sales, operations, and credit to create a new Association lending cap policy and exception process that facilitated the Association winning in the marketplace while taking prudent credit risk. Show less

Built and maintained relationships with farmers in a three-county territory to generate loan originations.Managed a $45MM portfolio which included agricultural producers with aggregate borrowing needs ranging from $500K to $4MM.Developed and maintained servicing plans to manage the Association’s credit risk from borrowers experiencing financial distress due to several years of unfavorable grain prices.Explained financial analyses to borrowers and ensured FCMA understood… Show more Built and maintained relationships with farmers in a three-county territory to generate loan originations.Managed a $45MM portfolio which included agricultural producers with aggregate borrowing needs ranging from $500K to $4MM.Developed and maintained servicing plans to manage the Association’s credit risk from borrowers experiencing financial distress due to several years of unfavorable grain prices.Explained financial analyses to borrowers and ensured FCMA understood the full view of borrower operations when making credit decisions.Met $6.75MM new loan funding goal by effectively communicating with borrowers and internal partners in credit, processing, and closing. Show less

Analyzed and sorted internal loan profitability data with the support of FCMA’s finance department to identify the return on equity for loans based on size.Collected qualitative data regarding the approach to loan discounting and selling on price versus value from association sales staff by conducting phone and in person interviews.Discussed sales and profitability practices with high performing Associations in the funding bank district.Presented findings to the… Show more Analyzed and sorted internal loan profitability data with the support of FCMA’s finance department to identify the return on equity for loans based on size.Collected qualitative data regarding the approach to loan discounting and selling on price versus value from association sales staff by conducting phone and in person interviews.Discussed sales and profitability practices with high performing Associations in the funding bank district.Presented findings to the Association’s executive committee which culminated in:- The Association implementing small loan premiums so the segment could be served profitably.- Providing supporting data for the Association’s business model pivot from heavy rate discounting up front to more conservative pricing with annual patronage payouts. Show less