Will Clark Email & Phone Number

Avon, In, Us

Avon, Indiana, United States

The Senior Loan Officer position is a critical role within the institution, as it is responsible for building a high-quality portfolio, while marketing the ARM brand. A deep understanding of the agricultural market and the corresponding network within your local area is essential. In an effort to meet the ever-increasing demands of the farmer, while also increasing ARM’s market-share, the goals will be centered around formulating business-development strategies to ensure the long-term success of the location.

Avon, Indiana, United States

Embarking on a transformative journey in the heart of agricultural finance, the Credit Analyst at Agricultural Resource Management (ARM) stands at the forefront of revolutionizing the industry. Tasked with providing invaluable support to local markets, our Credit Analyst plays a pivotal role in offering a comprehensive portfolio management overview, conducting meticulous underwriting analysis, and delivering strategic recommendations to loan committees. In the dynamic realm of agricultural financing, characterized by the ever-growing challenges in meeting the diverse needs of farmers, ARM distinguishes itself through a cutting-edge underwriting platform and a consultative approach to production lending. As a guardian of financial integrity, the Credit Analyst ensures the compliance of all loans with the company's stringent policies, acting as the first line of defense in managing reconciliations, identifying changes in crop mix, and addressing out-of-compliance issues. This role extends beyond traditional financial analysis, encompassing responsibilities such as overseeing crop insurance inspections, performing root cause analyses for past-due loans, and actively participating in company meetings and training sessions. The ARM Credit Analyst is not merely a numbers expert; they are a strategic partner navigating the complexities of the agricultural landscape.

Avon, Indiana, United States

Is responsible for the direct supervision of all mortgage and consumer origination staff, servicing staff, and processing activities and processing staff in the department, with particular emphasis on workflow to meet time deadlines to deliver outstanding customer service. Handles the more involved problems, various reports and keeps all mortgage, consumer, and servicing personnel/tools updated. Responsible for compliance with various Federal and State regulations

Seymour, In

Leads and is responsible for review, recommendation and implementation of effective workflows in the Bank’s various retail lending systems to provide appropriate pricing, originating, processing, disclosure, underwriting, closing and secondary market functions. Oversees technological system changes related to retail lending. Manages the disclosure functions and staff for all retail residential real estate lending. Manages the Bank’s consumer lending processing and delivery infrastructure. Maintains assigned vendor relationships. Responsible for compliance and quality control matters relating to secondary market investor relationships and guidelines.

Seymour, Indiana, United States

Jackson County, Seymour, In

Leads and supervises the Credit Services team within the Retail Loan Services Department, which includes the credit decision-making of consumer, home equity and residential mortgage loans. Manages the Bank’s retail loan pipeline of loans, maintains vendor relationships associated with the making of loans, monitors and measures the teams’ performance for accuracy and workload capacity to fulfill service level expectations. Responsible for compliance and quality control matters relating to secondary market investor relationships and guidelines. Assists with loan policy and procedure revisions, quality control audits, training of lending personnel on underwriting guidelines and regulatory compliance requirements.

Seymour, In

Supervises the Retail Loan processing operation, including processing staff. Monitors the processing of home equity and mortgage loans in the Bank’s loan origination systems to closing to ensure timely delivery of loans and compliance guidelines are met. Directs workload as needed to meet production demand. May assist with processing of loans as necessary with the ordering of appraisals, title work, flood determinations and conducting verifications according to loan underwriting guidelines. Provides support to Retail Loan Underwriter with the underwriting of loans as needed. Serves as liaison between the Bank and third party service providers. Provides support to retail loan users with the Bank’s loan origination software and manages new loan system upgrades and releases to ensure timely implementation.

Oversee the day to day lending operations which include all post-closing of commercial and consumer loans.Supervise the processing of all mortgage related loans including first mortgage and secondary market purchases.Supervise internal underwriter for the secondary market.Ensure Compliance on all lending documents.Direct reports of 11 talented individuals.Trusted Administrator of 25 software systems.Perform internal audits.Create policies and procedures to ensure compliance and consistency.Perform semi-annual performance evaluations.

Maintained portfolio of bank owned properties (ORE).Worked with listing real estate agent to market ORE properties to point of liquidation.Marketed repossessions to maximize recovery for the bank and minimize bank losses.Served as property manager for ORE properties that were rented out by the bank.Made necessary collection calls/contacts on delinquent accounts within Heartland's commercial and consumer loan portfolio.Worked with senior management on approving work-out loans on troubled accounts.Pursued foreclosure on delinquent real estate loans when necessary.Maintained legal counsel relations and made court appearances.Tracked expenses and balanced monthly general ledger accounts for bank owned assets.

Maintained closed loans, releasing collateral.Returned consumer documents after the loans were paid.Maintained insurance and titles for all collateralized loans.Paid escrow accounts for all internal mortgages.

Route accountingAccounts payableAccounts receivableCreated profit and loss statementsSupplied sales staff with accurate invoices and inventory requests

Bachelor'S Degree, Summa Cum Laude, Accounting

Activities and Societies: Dean's List 2012, 2013, 2014, 2015, & 2016. Alpha Sigma Lambda March 2014 Sigma Beta Delta February 2016 Golden.

Certificate, Finance-Consumer Lending

Activities and Societies: Habitat for Humanity-Chair for "Family Support Committee"; Boys and Girls Club Fianance Committee, United Way.

Education record

Consumer Lending Who Moved My Cheese Time Management Anti-Money Laundering Security Awareness Fair Lending Compliance Ethics for Bankers