Michael Mailhot Email & Phone Number

St Louis Park, Minnesota, United States

Developing relationshipsUnderstanding business owners needs and financials goalsProviding unique financial solutions allowing business to grow and reach their their goals

Eagan, Minnesota, United States

Providing financing for business ownersUnderwriting commercial loansBuilding and expanding financial relationships with customers

Greater Minneapolis-St. Paul Area

• Profiled customers and determined which investment products are best given their needs and financial goals• Opened new accounts and helped clients choose the best accounts given their financial priorities• Explained credit decisions using the 5 C’s of Credit• Closed installment, lines of credit, and home equity loans• Taught financial literacy classes and represented Wells Fargo at community events• Licenses: Series 7 & 66

Saint Cloud, Mn

Setup a number of urgent care facilities, emphasizing service excellence and operational efficiency. Consulted other various industries ranging from commercial laundry to large scale hospitality.• Managed numerous projects simultaneously ranging from new store openings, financial model projections, and ongoing operation initiatives• Optimized operations, recommended operational changes ensuring clients produced the most efficient product while still exceeding customer quality expectations• Analyzed financial statement, targeted greater than industry average expenses, and developed improved processes to reach industry benchmarks• Developed contracts for clients, solidifying and ensuring a long-term revenue streams

Onamia, Mn

Provided direction to numerous businesses through initial analysis, strategic planning, project management, revenue maximization, and ensuring efficient operations. Oversaw multiple projects, and various change management initiatives. Responsible for all finances for over 170 million in purchase money assets. This included budgeting, capital expenditures, and operations. Analyzed and implemented a 200 million non-gaming investment intuitive • Prepared and implemented multiple business plans that included hospitality, manufacturing, and service industries• Project managed over 170 million of new business developments and acquisitions• Created and implemented a new set of policies and procedures• Acquired allocation, secured, and closed 15M of New Market Tax Credit funds, which resulted in 2.1M net equity benefits for the project• Applied and secured 7.4M in Low Income Housing Tax Credits, which resulted in a 6.8M net equity benefit• Developed annual business and marketing plans, and ensured they were executed across all business units• Forecasted revenue and operating income- ensuring budget targets and cash flow projections would be maintained• Negotiated rate and tenor for over 145M of debt• Partnered with legal, purchasing, and finance to ensure smooth on-time acquisitions• Created 15 unique balance scorecards that reported monthly on financials, internal business operations, customer service, and employee satisfaction• Selected and developed a management team by coaching and training on a weekly basis. Fostering a culture that valued operational excellence and strategic problem solving• Implemented numerous culture development programs, resulting in drastically improved satisfaction scores and company wide recognition• Presented monthly operational reports to the Board of Directors• Ranked 2 out of 50 for employee job satisfaction, by fostering a fun workplace culture

Brainerd, Minnesota, United States

• Advised individuals & business owners on ways to improve their cash flow • Prepared detailed action plans for over 4,000 families listing specific steps enabling clients to reach their financial goals• Created an online budget tracking software to aid clients with budgeting• Taught financial literacy classes to groups ranging from bankers to families that recently filed bankruptcy on a monthly basis• Developed budgets for over 3,000 families, and assisted over 200 families get completely out of debt

Baxter, Minnesota, United States

Oversaw a small portfolio of business asset- 3 Million. Analyzed and risk rated all commercial loans. • Created and implemented an objective risk rating calculation based on using the 5 C’s of credit• Projected pro forma financial statements based on historical and economic trends• Analyzed business and personal tax returns to create income and balance sheets • Prepared loan presentations and recommended pricing based on risk using the 5 C’s of Credit• Advised customers on ways to improve their overall cash flow and improve their credit scores

Managed Day to Day operations

Increased sales from 2.3 to 48 units per month Resolved customer complaints & service issues Trained and updated employees on products and technology innovationsOrdered and merchandised inventory

Master Of Arts, Management

Bachelor Of Arts, Economics/ Finance

Activities and Societies: Rugby Fencing Inter-Varsity