Retailer of vitamins, supplements, teas, essential oils and personal care products. Website is www.freshstartliveoak.com

My responsibilities include origination and servicing of commercial loans and leases to agricultural producers and agricultural-related businesses in Suwannee, Lafayette, Hamilton and Columbia Counties.

Co-owner and manager of family timber production and agricultural operation.

Duties included responsibility for the loan side of the Bank, including profitability, management of asset quality, tracking portfolio performance metrics, management of OREO portfolio, calculation and methodology of the Allowance for Loan and Lease Loss, setting loan policy and asset grading systems. Responsibilities also included negotiation with customers who had adversely classified and NPA loans including negotiations for modified loan terms, forbearance agreements and deeds in lieu… Show more Duties included responsibility for the loan side of the Bank, including profitability, management of asset quality, tracking portfolio performance metrics, management of OREO portfolio, calculation and methodology of the Allowance for Loan and Lease Loss, setting loan policy and asset grading systems. Responsibilities also included negotiation with customers who had adversely classified and NPA loans including negotiations for modified loan terms, forbearance agreements and deeds in lieu of foreclosure with deficiencies. Guiding loans through the foreclosure process, taking title to collateral through the courts, management and sale of bank-owned properties including income producing, lodging and other real estate collateral. Show less

Responsibilities included origination and management of commercial loan portfolio and customer deposit relationships within a 4 county area in North Central Florida. • Increased loan portfolio through net growth of $20 million over 2 years

Adjunct professor in microeconomics, macroeconomics and business.

Responsibilities included management of department personnel as well as origination and management of a commercial loan portfolio and corresponding deposits in Equine and Agricultural Lending Department. • Assumed management of department upon sudden departure of previous manager and grew loan portfolio by 35% over 24 months through deepening of relationships with existing clients and obtaining new clients• Achieved highest net interest margin of any commercial loan department… Show more Responsibilities included management of department personnel as well as origination and management of a commercial loan portfolio and corresponding deposits in Equine and Agricultural Lending Department. • Assumed management of department upon sudden departure of previous manager and grew loan portfolio by 35% over 24 months through deepening of relationships with existing clients and obtaining new clients• Achieved highest net interest margin of any commercial loan department within organization Show less

Commercial LenderSet up Fair Isaac Scoring System for Consumer LoansWrote Credit Policy