Experience

The Bank of Elk River

• United States
• Banking
• 1 - 100 Employee

• Credit Analyst Supervisor - Officer

  • Jan 2022 - Present

  Elk River, Minnesota, United States

• Senior Credit Analyst - Officer

  • Apr 2014 - Feb 2022

  Elk River, Minnesota Financial statement analysis, credit underwriting and review of small business and lower middle market relationships Coach and Mentor lenders and other analysts to transfer knowledge for the betterment of the organization as a whole and coach clients to help them better understand and manage their businesses.



MA Kopp Business Management & Financial

• Small Business Consultant

  • Sep 2011 - Present

  Elk River, MN Advising and educating small business owners in: Business financial management - Assisting businesses in understanding the short and long term effects of management decisions and strategies. Balance sheet impacts, financing options, positioning and managing for growth. Have you developed a plan or are you flying by the seat of your pants? Cash Flow analysis and projections - Are you sure that new contract will make you money? Will you be around to see it? Can you afford it? Can you… Show more Advising and educating small business owners in: Business financial management - Assisting businesses in understanding the short and long term effects of management decisions and strategies. Balance sheet impacts, financing options, positioning and managing for growth. Have you developed a plan or are you flying by the seat of your pants? Cash Flow analysis and projections - Are you sure that new contract will make you money? Will you be around to see it? Can you afford it? Can you afford not to? Balance sheet management - Are your ratios out of whack? How you manage your balance sheet could be costing you money or keeping you from getting the financing you need. Asset acquisition assessment - does this new machine make sense, or are you just buying to push out your tax bill another year? What is the real cost? Business expansion and acquisition analysis - Is this really a good idea ? Will it pay for itself? Financing analysis, packaging and placement assistance - Need a new banker? Does the way your banker has your financing structured work? Do you have a real banker, or a sales person and a 1-800 number? Do they understand the business of your business? I can put an RFP together and find you a real partnership with a local banker that "gets it". Leveraging 25+ years of small business/commercial banking experience and networking for the benefit of your small business. Show less



Associated Bank

• United States
• Financial Services
• 700 & Above Employee

• AVP Business Banker II

  • Oct 2012 - Apr 2014

  maple grove, mn Business development, product & service sales and consultative banking for the small and lower middle market business banking segment.



Prime Security Bank

• United States
• Banking
• 1 - 100 Employee

• Vice President / Business Banking Officer

  • Dec 2007 - Sep 2011

  Mound, MN • Responsible for underwriting, analysis, presentation, structuring and annual reviews of all loan relationships under management. Credit Exposures up to $1.7Million • Once under FDIC review, created custom reporting to maintain compliance with the FDIC consent agreement • Helped develop and train on loan policy guidelines for the bank



KLC Financial, Inc.

• Funding & Credit Manager

  • Jan 2007 - Dec 2007

  Minnetonka, MN • Created, trained, and mentored on credit training for leasing agents to help improve on underwriting skills resulting in improved overall company performance and credit quality of lease paper sold. • Took a new position within the organization and matured it to help lead the brokerage of business equipment leases • Coordinated the financing process from beginning to end once a credit request was initiated including underwriting and presenting to potential funding organizations for… Show more • Created, trained, and mentored on credit training for leasing agents to help improve on underwriting skills resulting in improved overall company performance and credit quality of lease paper sold. • Took a new position within the organization and matured it to help lead the brokerage of business equipment leases • Coordinated the financing process from beginning to end once a credit request was initiated including underwriting and presenting to potential funding organizations for approval Show less



State Bank of Delano

• Vice President, Business Banking Officer

  • Aug 2003 - Jan 2007

  Delano, MN • Increased personal loan portfolio from $11MM to over $21MM, generating fee income in excess of $100M annually, credit relationship exposures up to $1.5Million • Trained & mentored lesser experienced bankers in credit analysis, underwriting and loan structure. • Implemented a more concise and effective format for loan committee presentations • Completed credit analysis, underwriting and presentment of loan requests for officer’s loan committee. • Voting member of officer’s loan… Show more • Increased personal loan portfolio from $11MM to over $21MM, generating fee income in excess of $100M annually, credit relationship exposures up to $1.5Million • Trained & mentored lesser experienced bankers in credit analysis, underwriting and loan structure. • Implemented a more concise and effective format for loan committee presentations • Completed credit analysis, underwriting and presentment of loan requests for officer’s loan committee. • Voting member of officer’s loan committee • Improved documentation tracking and follow-up procedures • Established delinquent loan collections tracking procedure for improved documentation of lender efforts in collecting past due and workout loans Show less



First Bank Elk River

• United States
• Financial Services
• 1 - 100 Employee

• Loan Review Officer / Manager of Credit Administration

  • Apr 1996 - Jul 2003

  Elk River • Oversaw credit underwriting & administration, loan review, documentation exceptions processing and follow-up for a $300Million loan portfolio, relationships of up to $7Million+ including complex, multi-entity clients. • Responsible for creating, reviewing, and updating of credit policies while hiring, training, mentoring, and managing 7 credit analysts and 2 support staff • Developed the Banks Loan Review Program • Consolidated Credit Administration of 5 branches for underwriting… Show more • Oversaw credit underwriting & administration, loan review, documentation exceptions processing and follow-up for a $300Million loan portfolio, relationships of up to $7Million+ including complex, multi-entity clients. • Responsible for creating, reviewing, and updating of credit policies while hiring, training, mentoring, and managing 7 credit analysts and 2 support staff • Developed the Banks Loan Review Program • Consolidated Credit Administration of 5 branches for underwriting, exceptions tracking & processing and Loan Review • Developed an unambiguous, documentable asset quality rating system for the bank while maintaining a level of flexibility in the final asset quality rating of borrowing relationships • Responsible for creating, reviewing, and updating retail credit underwriting guidelines and approval processes for faster/smoother processing and improved credit quality • Responsible for monthly analysis and recommendations on ALLL adequacy on the banks portfolio as well as individual credits. • Signature Loan Approval Authority to $400,000 Show less



Firstar Bank Minnesota, NA

• Credit Analyst

  • 1991 - 1996

  Completed credit analysis and annual reviews on small business,middle market and corporate credit relationships for presentation to Sr. Management. Relationship exposures of up to $45Million+. Also responsible for underwriting for Firstar's ABL, Auto Dealer Floor Plan financing services, floor plan inspections and Dealer Paper relationships.