Business Consulting, Tax and Accounting Services

• Develop, negotiate, and execute strategies to maximize loan collection • Analyze public records and UCC filings to determine lien position• Report collection status to board of directors

• Maintained in-depth knowledge of FHA, VA, USDA, and Conventional loan programs in 12 states• Secured proper documentation and managed loan process through processing and closing • Pre-approved borrowers by collecting credit, and financial information

• Developed Risk Monitoring System for credit quality management• Performed Credit, Risk Analysis of Commercial portfolio• Monitored economic, political, regulatory changes both domestic and globally• Developed new business through organic growth and referrals ($2mm new)

• Developed Risk Monitoring System for credit quality management (2 location)• Performed Credit, Risk Analysis of Commercial and consumer portfolio• Monitored economic, political, regulatory changes both domestic and globally• Developed new business through organic growth and referrals ($12mm new)• Managed net interest margin, vendor contracts, 7 employees• Served on several key committees: (Loan, IT, Risk Management)

• Responsible for ensuring the accurate spreading of financial information, adherence to credit policy, and underwriting of complex credit relationships including making recommendations on credit limits.• Responsible for crop input financing, and feed input financing• Gain a key understanding of the client’s business operations and make the best recommendation to fit the client and company objectives• Ultimately responsible for all portfolio management including accurate risk grading, credit quality management, collection of problem accounts, and tickler of relationships • Credits underwritten include large agriculture, small business, large business, international business, RLOC• Responsible for the reduction of delinquencies and DSO• Responsible for maintaining relationships with 100 location managers to develop strategies to help meet company objectives.• Used Microsoft Office extensively to extract data to assist with delinquency management• Responsible for reporting to senior management key economic analysis affecting overall corporate portfolio • Responsible for monitoring and reporting to senior management ethanol industry outlooks through government mandates, profitability globally as well as individually• Responsible for monitoring mechanic liens, changes in Revised Article 9 UCC, crop input liens, bankruptcy laws• Working with Treasury and Applications department for accuracy of money receipts.