Michael Hoglund Email & Phone Number

Logan, Utah, United States

Greater Salt Lake City Area

Treasury ManagementWeb based trainingOnline Banking system conversion

Salt Lake City

Salt Lake City

• Create and implement credit policy for use in determining the credit quality of companies seeking open extensions of credit in the purchase of fuel and chemical products.• Design credit evaluation process in determining viability of clients and the ability to pay debt outstanding. This includes the evaluation of leverage, liquidity, as well as the ability to cover debt service proposed and outstanding.• implement credit team and establish protocols for implementation of credit files and procedures for credit management and review to include account receivable collection and monitoring of clients using tracking systems.

Bank Of Utah

•Developed commercial banking and lending relationships through marketing and client retention efforts to grow client portfolio and increase bank market share.•Responsible for proposals to loan customers through negotiation of terms through the assessment of facts, client intents, implications of the client and its impact on the business, the asset quality and potential impact to the bank.

Salt Lake City

• Created and maintained a client portfolio for high net worth clients by developing strong relationships through managing expectations, informing clients of new products and services and creating a partnership between the customer and the bank by providing sound financial counseling and direction. • Generated mid to large loans through completion by analyzing, interpreting, and investigating business financials to determine whether they have sufficient cash flow to repay a loan, and are feasible/profitable to the bank while involving other departments in the bank if necessary to add expertise or authority if needed to accomplish sales directives.• Responsible for making credit recommendations by composing technical documents (loan presentations) associated with loan requests that lay out the strengths, weaknesses, and mitigating factors to why the bank should grant the borrower the loan.

Logan

• Responsible for the operation of a branch office including loan generation, deposit growth, bank campaigns to increase market share and or specific product sales and the management of office personnel to meet sales goals through the implementation of strategies and the implementation of tools to reach desired outcomes.• Directly responsible for exceeding the revenue goals as assigned year over year while consistently performing in the top 10% of branches in my market size.