Director in the Specialized Industries lending vertical targeting middle market growth companies in the Food and Beverage industry.Providing comprehensive financial lending solutions to Food and Beverage clients across the entire Heartland Financial USA footprint.

Underwrite credits, structure transactions and manage risk on a large portfolio of middle market customers (annual revenues of $20 million to $500 million) in the following industries: Commercial, Industrial, Commercial Real Estate, Public Finance and Agricultural Monitor trends in the portfolio by actively managing key inputs, financial performance and economic trends Assist relationship managers in generating new business from existing customers or by bringing in new clients Implement and execute new underwriting strategies and concepts to enhance credit analysis and monitor risk effectively as follows:o Covenant enhancementso Loan structuring enhancementso Collateral and enterprise value analysiso High quality industry analysis Provide a high level of customer service to all borrowers and communicate directly with customers Analyze and interpret company financials , personal financial statements and tax returns Host and co/host various client events to network and socialize with customers Review complex loan documents prior to a loan closing Provide guidance and training for junior analysts on the team

Credit Officer – Corporate Finance/Agricultural Export Finance (Feb 11-Present) Prepare credit underwriting and detailed financial statement analysis for a variety of agricultural companies with annual sales over $500 million (various industries) Underwrite complex corporate finance credits with differing credit structures (i.e. Revolvers, Term Loans, Term Loan B facilities, Private Placement facilities and special L/C facilities)  Analyze sovereign credit risk of LATAM region and abroad (i.e. Macroeconomic environment, economic drivers, GDP analysis, banking sector analysis)  Read, understand and translate bank financial statements in Spanish and perform an in-depth credit analysis on several banks in LATAM and abroad (using the CAMELS approach) Underwrite complex international trade credits with differing credit structures (L/Cs, structured trade, GSM lines, syndicated facilities) Analyze and interpret company financials (FYE, Interim, Budgets/Projections) Assist relationship managers and capital markets division in determining appropriate credit ratings for borrowers Monitor covenant compliance on a large portfolio of multi-industry borrowers Analyze and interpret complex loan documents prior to a loan closing

Rotational Credit Analyst – Various industries (Mar 10-Feb 11) Prepared credit analysis and reports for a variety of project finance (energy) and agricultural grain accounts Worked closely with analysts to learn new industries and provide assistance when needed  Attended various customer visits with relationship managers Attended third party training sessions on the fundamentals of utility pricing

 Analyzed and processed audits for the bank’s borrowers Collaborated with credit analysts and relationship managers to monitor borrower compliance  Processed borrowing base reports to monitor items pledged as collateral Update customer reporting covenants to ensure consistency with loan agreement requirements