• Member of executive management team.• Manage Business Development activities for the bank. • Facilitate loan collection, work out solutions in the best interest of the bank for problem loans including past due and non-performing loans.• Stay current with new laws, regulations and regulatory guidance that influence lending withinthe financial institution and make recommendations to management when necessary.• Develop and provide guidance of the bank’s loan policy, proceduresand will also comply with all other bank policies, including BSA, Compliance, and CIP.• Develop new customer prospects and business for the financial institution.• Maintain and enhance information based on local and national economics, as well as otherconcerns that would impact the financial institutions lending activities.• Provide assistance and recommend training for new loan officers.• Plan, participate and facilitate trainings and meetings.• Represents the institution to the public, market the institutions loan products – installment,mortgage, and/or agriculture/commercial loans.• Follow-up with applicants and lenders to secure the necessary information to underwrite loans,conduct site visits, provide assistance and help potential borrowers successfullyqualify for financing.• Work cooperatively and constructively with a wide variety of people, cross-functional teams,community-based organizations, COI’s, banks, accountants and attorneys..• Responsible for developing and updating the institutions loan policy and to ensure theinstitution is in compliance with the applicable laws and regulations and makerecommendations to the Board of Directors.• Provide leadership and training to the institutions credit analyst and credit department and loan officers.• Co-coordinate all credit committee meetings including facilitating an agenda and maintainingstructure to the meetings.• Prepare various board reports or review reports going to the Board of Directors for accuracy.

* Manage and lead overall market development of 3 branch offices, Waukon, Lansing, Decorah.* Coordinate, direct and execute sales management activities branch commercial and retail teams. Market growth and retention strategies with commercial bankers and support staff with overall efforts so results are achieved through various lines of business activities.* Manage the sales, service and business development so that overall financial results for themarket is effective.* Develop, execute and maintain an effective business development plan for the market consistentwith the bank's overall objectives.* Direct sales forecasting activities and set short and long range performance goals with focus oncurrent and new relationships.* Manage by a coaching regimen which defines and articulates a sales and service culture. Thisincludes leading any staff and sales meetings and aligning overall performance of team memberswith performance goals which corresponding with market objectives.* Provides on-going motivation for subordinate retail staff members and other lines of businesspersonnel in the market to achieve business results.* Personally, responsible for 15MM Commercial and Ag portfolio.* Partner with Commercial Bankers, Trust, and/or Investment Services Representatives whenappropriate for the client. Meets with key clients, assisting banking representatives with maintainingrelationships and negotiating and closing deals.* Coordinate and oversee overline and correspondent banking relationships.

Responsible for the generation, growth and management of loan portfolio consisting of Commercial & Industrial and Agricultural credits. Develop and provide lending services in accordance with the loan practices and policies. Provide a superior level of service to internal and external customers, supporting goals and mission of bank. Solicit, develop, underwrite and manage credit relationships.

Business development and relationship management for agriculture & commercial middle market, Agriculture, C&I banking services and correspondent banking. Built, managed and serviced portfolio of middle market companies with booked loan sales in excess of 90 million. Agriculture loans (originator to input), no participation in producer loans, producer loan requests referred to local community bank. Represent all product classes: wholesale – retail lockbox operations and data capture services, document imaging, EFT, remote capture, deposit automation, credit, trust, treasury services, card products, correspondent banking, leasing, real estate, international and capital markets, insurance and annuities. Developed high level correspondent banking relationships with Wells Fargo, US Bank, JP Morgan, First National Bank of Omaha, Bank of The West, BMO and others.

Instrumental in starting a lease-structured finance company for VAR - Pomeroy Computer Resources (NASDAQ-PMRY). Developed and managed portfolio of 12MM first year. Managed relationships, pricing strategies, syndication’s, loan partnerships and portfolio sales to correspondent banks and investment companies. In addition to Vice President duties of finance company, I also managed the channel relationships and sales department of 35 people with 94 million in annual sales of hardware, software and professional services for parent company Pomeroy Computer Resources. Finance company was sold to Provident Bank – Cincinnati, OH and subsequently sold to National City Corporation – Cleveland, OH. Developed channel partner finance programs for VAR companies and manufacturers. Deployed customized financial solutions for channel sales companies and provided sales and operations support and management of these programs.