Michael Kinderman Email & Phone Number

Vadnais Heights, Minnesota

TCM recently celebrated 25 years of assisting small businesses through the utilization of the SBA 504 loan program. TCM has grown to be one of the largest CDCs in the country by successfully partnering with business owners and financial institutions throughout Minnesota and Western Wisconsin.I have the privilege of working closely with bankers and business owners on financing for the acquisition or expansion of owner-occupied commercial real estate, as well as, the acquisition of long-term machinery and equipment. The key advantages of the SBA 504 loan program include:- Low down payment - typically 10% of the total project cost- 90% financing- Longer repayment term (10 or 20 years for real estate and 10 years for machinery/equipment) - Low interest rate fixed for entire term of loan

Eagan, Minnesota

As Home Federal reaches its 80th anniversary, the bank continues to seek clients in search of a relationship driven bank that provides a high level of service and quality products to meet their financial needs. The goal at Home Federal is to enhance the financial well-being of our clients and community one relationship at a time. In my position, I provided a private banking experience for each and every client. My focus was to provide a timely response, sound advice, and a creative financing package to meet the needs of every commercial client. 100% of my focus was providing an excellent banking experience for small to mid-size business clients, both for profit and non-profit. Facilitated loans for the purchase/refinance of real estate (owner occupied or investment), business acquisition, working capital, heavy equipment, machinery, and more.

Maplewood, Minnesota

Premier Bank is a community bank that strives to be the the premier community bank in the region, and the bank of choice in each of the communities we serve. My primary role was the growth and managment of my loan portfolio with a focus on commercial loans. I was also focused on the marketing and sale of bank owned real estate and assets. Utilized a talented network of co-workers to direct clients to for other financial products and services beyond the loans that I focused on.

-Home mortgage consultant-Built rapport with prospective clients in an effort to establish trust and confidence, which enabled me to determine financial goals.-Built and presented loan proposals to clients using client profile, financial goals, and research of marketplace.-Worked professionally and effectively with third parties to ensure quick and accurate loan processing.

-Ensured customer satisfaction by matching financial products with individual client needs.-Built strong relationships with business partners to effectively connect them with clients.-Obtained NASD Series 7 & 66 licenses and Life and Health Insurance Agent License.

Management And Leadership For Financial Professionals

Bachelor Of Arts (B.A.), Management

Activities and Societies: Varsity Football