Michael Kopp Email & Phone Number

Elk River, Minnesota, United States

Direct workflow and assignment of underwriting for credit requests and periodic file review. Act as an SME for commercial credit analysis, loan structure and credit risk assessment for the organizations credit and lending staff. Responsible for coaching and mentoring credit analysts and lenders in underwriting, credit quality monitoring, and credit administration.

Elk River, Minnesota

Financial statement analysis, credit underwriting and review of small business and lower middle market relationships Coach and Mentor lenders and other analysts to transfer knowledge for the betterment of the organization as a whole and coach clients to help them better understand and manage their businesses.

Elk River, Mn

Advising and educating small business owners in:Business financial management - Assisting businesses in understanding the short and long term effects of management decisions and strategies. Balance sheet impacts, financing options, positioning and managing for growth. Have you developed a plan or are you flying by the seat of your pants?Cash Flow analysis and projections - Are you sure that new contract will make you money? Will you be around to see it? Can you afford it? Can you afford not to?Balance sheet management - Are your ratios out of whack? How you manage your balance sheet could be costing you money or keeping you from getting the financing you need.Asset acquisition assessment - does this new machine make sense, or are you just buying to push out your tax bill another year? What is the real cost? Business expansion and acquisition analysis - Is this really a good idea ? Will it pay for itself?Financing analysis, packaging and placement assistance - Need a new banker? Does the way your banker has your financing structured work? Do you have a real banker, or a sales person and a 1-800 number? Do they understand the business of your business? I can put an RFP together and find you a real partnership with a local banker that "gets it".Leveraging 25+ years of small business/commercial banking experience and networking for the benefit of your small business.

Maple Grove, Mn

Business development, product & service sales and consultative banking for the small and lower middle market business banking segment.

Mound, Mn

• Responsible for underwriting, analysis, presentation, structuring and annual reviews of all loan relationships under management. Credit Exposures up to $1.7Million• Once under FDIC review, created custom reporting to maintain compliance with the FDIC consent agreement• Helped develop and train on loan policy guidelines for the bank

Minnetonka, Mn

• Created, trained, and mentored on credit training for leasing agents to help improve on underwriting skills resulting in improved overall company performance and credit quality of lease paper sold.• Took a new position within the organization and matured it to help lead the brokerage of business equipment leases• Coordinated the financing process from beginning to end once a credit request was initiated including underwriting and presenting to potential funding organizations for approval

Delano, Mn

• Increased personal loan portfolio from $11MM to over $21MM, generating fee income in excess of $100M annually, credit relationship exposures up to $1.5Million• Trained & mentored lesser experienced bankers in credit analysis, underwriting and loan structure.• Implemented a more concise and effective format for loan committee presentations• Completed credit analysis, underwriting and presentment of loan requests for officer’s loan committee.• Voting member of officer’s loan committee• Improved documentation tracking and follow-up procedures• Established delinquent loan collections tracking procedure for improved documentation of lender efforts in collecting past due and workout loans

Elk River

• Oversaw credit underwriting & administration, loan review, documentation exceptions processing and follow-up for a $300Million loan portfolio, relationships of up to $7Million+ including complex, multi-entity clients.• Responsible for creating, reviewing, and updating of credit policies while hiring, training, mentoring, and managing 7 credit analysts and 2 support staff• Developed the Banks Loan Review Program • Consolidated Credit Administration of 5 branches for underwriting, exceptions tracking & processing and Loan Review• Developed an unambiguous, documentable asset quality rating system for the bank while maintaining a level of flexibility in the final asset quality rating of borrowing relationships • Responsible for creating, reviewing, and updating retail credit underwriting guidelines and approval processes for faster/smoother processing and improved credit quality• Responsible for monthly analysis and recommendations on ALLL adequacy on the banks portfolio as well as individual credits.• Signature Loan Approval Authority to $400,000

Completed credit analysis and annual reviews on small business,middle market and corporate credit relationships for presentation to Sr. Management. Relationship exposures of up to $45Million+. Also responsible for underwriting for Firstar's ABL, Auto Dealer Floor Plan financing services, floor plan inspections and Dealer Paper relationships.

Ba, Economics

Activities and Societies: Theta Chi Fraternity, Zeta Delta Chapter Greek Council Representative

Loan Review

Commercial Lending School

Commercial Loans To Business