Experience

American National Bank

• United States
• Banking
• 300 - 400 Employee

• AVP - Sr. Portfolio Manager

  • Jul 2021 - Present



Community State Bank - Des Moines, IA

• United States
• Financial Services
• 1 - 100 Employee

• AVP - Credit Department Manager

  • Dec 2020 - Jun 2021

  - Managed credit team of 5 Portfolio Managers and 2 Credit Analysts by reviewing loan presentations, providing team and individual training/coaching, managing the work flow of credits being underwritten and reassigning deals as necessary. - Helped the commercial loan team reduce the number of over 90 day past due financial statement requirements by 15.81% by setting up scheduled reviews of the past due report list during weekly credit team meetings and reassigning analysts to provide support to specific portfolios. - Utilized BankLabs to review and approve over advances on residential construction projections in excess of $20,000. - Helped develop a new Small Business underwriting template to be used across all charters within the holding company. - Helped coordinate credit department in preparation of Fed and FHLB exams.



Western Bank, a Division of American National Bank

• AVP - Sr. Portfolio Manager

  • May 2018 - Dec 2020

• AVP - Sr. Credit Analyst

  • Jun 2015 - May 2018

  - Analyzes financial statements and borrower strategy to identify performance trends and communicate credit risks through written loan presentations for commercial loan requests in excess of $10MM+. - Collaborated with Chief Credit Officer to develop proprietary commercial construction-funding model used to evaluate bank wide projections for funding and roll off of new construction projects.- Provides one on one credit underwriting training and mentorship to junior credit analyst. - Developed annual review and financial statement tracking reporting dashboard used to inform executive management team of commercial loan administration efficiency in the Minnesota market. - Coordinates credit team resources post-merger by reallocating loan requests based on analyst availability, leading monthly credit department training and revising loan presentation templates.



Johnson Financial Group

• United States
• Financial Services
• 700 & Above Employee

• Officer - Team Lead Credit

  • Nov 2013 - Jun 2015

  - Designed 3-stage stress test model used to examine potential negative impact of rising interest rates and debt structuring options on financial performance of commercial borrowers. - Served as credit leader for South Central Wisconsin Regional Market and worked with regional president to manage loan request pipeline through weekly meetings & reduce number of past due loans in region by 25%. - Mentored and trained 3 credit analysts by providing feedback on analysis within loan presentation drafts.



Monona Bank

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst

  • Mar 2012 - Nov 2013

  - Created commercial real estate loan portfolio stress test model to examine bank wide real estate concentrations and effects to portfolio in a rising interest rate environment. Results presented to regulators during bank examination. - Performed 40+ real estate appraisal validations on commercial multi-family properties utilizing real estate market data to determine collateral values. - Conducted on-site collateral inspections of multi-site auto dealer for auto floor plan line. - Created commercial real estate loan portfolio stress test model to examine bank wide real estate concentrations and effects to portfolio in a rising interest rate environment. Results presented to regulators during bank examination. - Performed 40+ real estate appraisal validations on commercial multi-family properties utilizing real estate market data to determine collateral values. - Conducted on-site collateral inspections of multi-site auto dealer for auto floor plan line.



BMO U.S.

• United States
• Banking
• 700 & Above Employee

• Credit Analyst

  • Jul 2011 - Mar 2012

  - Underwrote C&I and real estate commercial loans for private and publicly traded companies in excess of $15MM. - Underwrote C&I and real estate commercial loans for private and publicly traded companies in excess of $15MM.



People's Bank

• Credit Analyst Intern

  • Feb 2010 - Jul 2011

  - Reduced property taxes on bank owned real estate through county appeals process, coordinated bank contractors for property preservation, conducted real estate showings and marketed existing bank properties to prospective buyers. - Reduced property taxes on bank owned real estate through county appeals process, coordinated bank contractors for property preservation, conducted real estate showings and marketed existing bank properties to prospective buyers.



Badger Bank

• United States
• Banking
• 1 - 100 Employee

• Bank Teller

  • Aug 2009 - Feb 2010

  - Served customers in the drive up window and lobby processing transactions and assists patrons with lock boxes, wrapping loose coin for redistribution, and issuing official checks. - Served customers in the drive up window and lobby processing transactions and assists patrons with lock boxes, wrapping loose coin for redistribution, and issuing official checks.



Union Savings Bank

• United States
• Banking
• 500 - 600 Employee

• Bank Teller

  • Jun 2007 - Aug 2009

  - Worked both in the lobby and drive up window processing normal transactions and issuing other items such as official checks, travelers’ checks, and license plate stickers. - Handled payroll for the bank on an interim basis until a replacement could be hired. - Traveled and worked at different branches of the bank when needed as well as helped at sponsored activities such as customer appreciation day. - Worked both in the lobby and drive up window processing normal transactions and issuing other items such as official checks, travelers’ checks, and license plate stickers. - Handled payroll for the bank on an interim basis until a replacement could be hired. - Traveled and worked at different branches of the bank when needed as well as helped at sponsored activities such as customer appreciation day.