Michael Cruzen Email & Phone Number

Chariton, Ia

Chariton, Ia

Back to the Branch I started 19 years ag0, great to be back

Chariton, Ia

Consulting with ownership to expand the trade territory and increase annual sales of the companies motorcycle parts/accessories and proprietary motorcycles.

Extensive expertise in bank management, lending, operations, business development, consulting and sales of financial service related software. Strong leadership and team-building skills coupled with demonstrated drive to achieve goals. Principal strengths include customer-focus and broad technology exposure. Outstanding organizational and interpersonal skills coupled with particular proficiency in conducting persuasive presentations.

Des Moines, Iowa Area

Bank related software company

Grimes, Ia

Des Moines, Iowa Area

Responsible for the development and performance of all sales activities related to the FastGrade loan administrative product. Increased annual revenues 323% by establishing a network of third party sales representatives to market the loan administration software suite (FastGrade), including development, negotiation and execution of reseller agreements, plus establishing a flexible pricing structure and product offering resulting in the expansion of the sales territory from Iowa, Illinois and Wisconsin to all of the continental United States.• Enhanced the brand by coordinating the appointment of the company president to the faculty at the Wisconsin Graduate school of Banking. Strengthening the company’s brand in loan grading, allowance for loan and lease loss (ALLL) calculations and stress testing. • Developed and promoted a series of lending seminars showcasing the FastGrade Software, provided at no cost to customers of our resellers. Creating a more cost-effective approach to reaching potential clients. The first series presented resulted in 10% of the resellers client base purchasing the product.• Expanded into the credit union market by developing a relationship with the Superintendent of the Iowa Credit Union, establishing the first Beta Credit Union Client and expanding a relationship with a reseller to jointly focus on the development and promotion of the product, providing an additional 7,019 potential prospects.• Restructured the direct sales process by moving to a targeted calling program reducing expenses by over $10,000 annually, improving efficiencies and increasing the sales conversion percentage significantly.• Collaborated with company management, developers and clients to develop and refine the software providing input based upon direct bank experience. Directly influenced the addition of customer relationship management and collections modules and the enhancement of consumer and Agricultural features and functions.

Des Moines, Ia

Traveled extensively, consulting with both Banks and Credit Unions regarding non interest income and expense engagements.

Des Moines, Iowa Area

Proposed Denovo Bank to be created for the benefit of the Hmong (refugees from Laos). Responsible for creation of business plan and OTS application.

Chariton, Ia

Joined the Bank in 2003 as Senior Lender, moved to COO coordinating bank operations.

Eddyville, Ia

50% co-owner operator, overseeing entire lumber sales and construction operation.

Chariton, Ia

Established, developed and operated a new bank branch. Elected Member, Board of Directors (1997–2001)

Vinton And Knoxville, Ia

Oversaw total bank operations for the Brenton Banks in Vinton from 1983-1988 and Knoxville, from 1988-1996. Delivered performance consistently in top quartile of Brenton Banks,. Early and successful implementer of new ideas including mortgage loan origination, brokerage, and insurance business. Elected Member, Board of Directors (1988–1996)

Certificate, Banking And Financial Support Services

Bs, Ag Business