Experience

Security National Bank

• United States
• Banking
• 1 - 100 Employee

• Senior Vice President - Commercial Services / Chief Credit Officer

  • Jan 2022 - Present

• Vice President - Commercial Services

  • Apr 2021 - Present



Equity Bank

• United States
• Banking
• 700 & Above Employee

• Executive Vice President - Chief Credit Officer

  • Mar 2018 - Apr 2021

  Responsible for Equity Bank's credit risk decision-making and policy management. Accountable for direction and oversight for commercial, consumer and mortgage loan underwriting, loan operations and special assets. Chair of Senior Management and Executive Loan Committees. Responsible for Equity Bank's credit risk decision-making and policy management. Accountable for direction and oversight for commercial, consumer and mortgage loan underwriting, loan operations and special assets. Chair of Senior Management and Executive Loan Committees.



Investors Community Bank

• United States
• Banking
• 1 - 100 Employee

• Executive Vice President & Chief Credit Officer

  • Apr 2014 - Mar 2018

  Responsible for the overall credit quality of the bank's loan portfolio including the development of Loan Policy, underwriting guidelines and loan procedures. Duties include calculating the Allowance for Loan and Lease Loss Reserve (ALLL) and making recommendations to the Board of Directors for monthly allocations to the Loan Loss Reserve. Leads a highly performing team of Agriculture and Commercial Credit Departments, Appraisal Review, Special Assets and Secondary Market Sales staff. Chairs the Management Loan Committee, Special Assets Committee and CECL / ALLL Committee. Participates in the Board Loan Committee. Show less

• Special Assets & ORE Officer

  • Oct 2011 - Mar 2014

  Managed a loan portfolio of high risk, complex commercial, commercial real estate and agricultural loans. Responsible for the bank's OREO portfolio. Directed bank counsel in foreclosure litigation, bankruptcies, liquidations and forbearance negotiations. Reduced NPAs from 6.22% at 12/31/11 to 3.45% at 12/31/13. Promoted to Chief Credit Officer April 2014.



Citizens Bank, now part of FirstMerit Bank, N.A.

• United States
• Banking
• 200 - 300 Employee

• Vice President - Special Loans Officer

  • May 2009 - Oct 2011

  Managed a $60 million loan portfolio of complex, high risk, substandard commercial and commercial real estate loans. Developed and implemented corrective actions and exit strategies - in 2010 reduced loan portfolio from 37 relationships to 16 relationships - reduced balances by over $20 million through pay offs / pay downs, loan sales, completing foreclosures, upgrades and charge offs - exceeded annual goal by 300%. Directed bank counsel in foreclosure litigation, bankruptcies, liquidations and forbearance negotiations. Show less



Wells Fargo Bank, N.A.

• Sr. Business Relationship Manager

  • Aug 2006 - May 2009

  Managed a diverse commercial portfolio of over 120 client relationships with over $65 Million in assets - including C&I, CRE, municipalities, school districts, nonprofits and unions. Responsible for new business development. Exceeded sales goals for product sales and annual revenue. Developed a team sales approach with business partners including Institutional Brokerage, Private Banking, Community Development, Specialized Lending, Public Finance and Treasury Management. Managed a diverse commercial portfolio of over 120 client relationships with over $65 Million in assets - including C&I, CRE, municipalities, school districts, nonprofits and unions. Responsible for new business development. Exceeded sales goals for product sales and annual revenue. Developed a team sales approach with business partners including Institutional Brokerage, Private Banking, Community Development, Specialized Lending, Public Finance and Treasury Management.



M&I Marshall & Ilsley Bank

• Vice President - Business Banking

  • Apr 2004 - Aug 2006

  Responsible for new business development. Led in the creation and marketing of a Health Care Specialty Team - consisting of specialists from Private Banking, Trust, Investments, Retirement / 401 (k) Plans, Treasury Management and Business Banking. In 2005 ranked 15th out of over 200 relationship managers companywide in annual sales - loans, deposits, treasury management and revenue. Responsible for new business development. Led in the creation and marketing of a Health Care Specialty Team - consisting of specialists from Private Banking, Trust, Investments, Retirement / 401 (k) Plans, Treasury Management and Business Banking. In 2005 ranked 15th out of over 200 relationship managers companywide in annual sales - loans, deposits, treasury management and revenue.



Bank One, N.A.

• Vice President - Business Banking

  • 2002 - 2004



St. Francis Bank

• Vice President

  • 2001 - 2002



State Financial Bank

• Assistant Vice President

  • 1999 - 2000



Vermont National Bank

• Assistant Vice President

  • 1989 - 1999



E. F Hutton

• Financial Consultant

  • 1986 - 1988