• Performed global cash flow analysis for restaurant franchise; validated customer-provided data to improve accuracy of credit worthiness; declined due to projected cash flow and referred to specialty lender.• Facilitated highly complex loan for food manufacturer; coordinated communication between customer, bank, and third party economic development partner to ensure proper lien position; resulted in $1MM loan with mutually beneficial structure for both Borrower and Bank and proper lien position.• Provided professional expertise for client looking to purchase a new business; analyzed provided data to determine if purchase price was reasonable compared to risk; resulted in directing client away from potential business purchase which lead to a new and more lucrative purchase opportunity.

• Listened deeply to disgruntled borrower's challenges, analyzed opportunity thoroughly to develop a solution addressing buyer's and seller's needs; created a roadmap and followed through, completing $8MM real estate loan.• Analyzed data for real estate construction project, guided Borrower through necessary steps to get loan to closing, including obtaining a feasibility study and environmental review; resulted in loan being declined due to lack of project appraised value; Provided recommendations to Borrower on how to revamp project to allow for closing.

• Provided analysis and loan structure recommendation for snack food manufacturing start up; Borrower as a start up with limited cash; was able to leverage SBA programs to close a $2MM loan.• Guided Borrower through a complex business purchase; included extensive environmental surveys and remediation and complicated legal requirements; resulted in $2.5MM loan.• Identified flaw in prior analysis of potential low cash flow customer; performed new analysis, including credit analyst to approve $.500M loan within bank debt service coverage requirements.

• Analyzed and provided expert financial advise to large local Ag customer, prevented Ag customers from having to sell land through creative restructuring of debt and advancing of new annual operating loans.; Ag customer remains solvent and growing as a result.• Provided Granite Bank with knowledgeable loan analysis; learned how to underwrite Ag loans as well as the FINPACK program for Ag loan underwriting; resulted in no losses to the bank during the Ag crisis.• Lent SBA expertise to Granite Bank; reviewed all SBA loans in the bank, entered them into ETran and ensured SOP eligibility; helped Granite Bank achieve PLP status.

• Solicited business for commercial closing services• Worked all business “cradle to grave” from business development to document preparation to closing facilitation

• Performed internal audit for bank; no previous internal audit function existed; resulted in no negative findings during State or Federal examinations.• Lent SBA experience to American Heritage National Bank; reviewed all SBA loans to the bank, entered them into ETran and ensured SOP eligibility, helped AHNB achieve PLP status.

• Provided presence, active listening, and numerous check-ins for high-growth business owner, enabling bank to maintain business relationship despite environmental study error, growing portfolio from $5MM to $9MM.• Performed credit analysis for high-net-worth customer in a high growth area; customer was oilfield service provider; facilitated growth of company from $6MM to a $12MM in loan volume.• Advised young borrower on equipment purchases; utilized SBA lending program to allow Borrower to purchase needed equipment to start business; Borrower created successful business, leading to additional loan opportunities.

• Directed and facilitated post-charge off collection strategy, including severely delinquent account sales, for Fingerhut Direct Marketing. Directly supervised an internal recovery collection team, including hiring and performance coaching. • Developed and implemented collection strategy for the internal collection team. • Managed external collection agency relationships for Fingerhut, including maintaining existing relationships to maximize performance

• Developed process audit to identify work gaps involving third party collection agencies. • Performed on-site visits to third-party agencies to assess performance, legal, and regulatory compliance. • Developed account sale process that facilitated the successful sale of $14 million dollars of charged-off receivables.

• Performed skill building through continual coaching on collection techniques and performance monitoring. • Experience in initiating training, disciplinary actions, and when necessary, terminations. Advised human resources on hiring decisions, which included conducting interviews with potential candidates.