Real Estate Years Experience

Jerrold A. Hoch

**** *. ******** **., ***** Falls, WI 54022 Phone 715-***-****

******@*******.***

SUMMARY OF QUALIFICATIONS

. 20 years experience in Agricultural finance.

. 7 years experience as a Bank Commercial Loan Officer (non Ag).

. 7 years experience as a Bank Consumer Loan Officer.

. 30 years experience in rural real estate (land management,

financial, monitoring, appraising, surveying, legal descriptions,

title searches, deed recording, land mapping).

. Over 20 years experience as a rural real estate appraiser (10 years

certified).

. 30 years experience working with farmers and people in professional

occupations (bankers, lawyers, accountants, government offices).

. Effective problem solver. Excellent organizational skills.

. Farm upbringing and educated in Agricultural Business.

WORK HISTORY

Alliance Bank-Cochrane, Wis. 546**-****-****

Ag/Commercial Lender

$125,000,000 commercial Bank/5 branches

. Responsible for developing the Ag lending department in Cochrane.

. Processing some consumer loans.

. Collection of delinquent loan payments.

Waumandee State Bank-Durand, Wis. 547**-****-****

Ag/Commercial Lender

$90,000,000 commercial bank/7 branches

. Responsible for entire Agricultural and Commercial loan department

in the Durand and Mondovi area.

. Wrote approximately $2,250,000 of new loans in one year.

. Start up bank, started with no loans.

. $50,000 loan authority.

. Processing some consumer loans.

. Collection of delinquent loan payments.

Union Bank of Blair-Blair, Wis. 546**-****-****

Asst. Vice President

$50,000,000 commercial bank.

. Responsible for the entire Agricultural loan department.

. Responsible for approx. $5,000,000 in Agricultural personal

property loans and $5,000,000 in Ag Real Estate loans.

. Processing some consumer loans.

. $15,000 lending authority.

. Collection of delinquent loan payments.

S & C Bank-New Richmond-New Richmond, Wis. 540**-****-****

Ag/Commercial Loan Officer

S & C Bank of New Richmond was a $100,000,000 branch bank, which was

part of a 15 branch, $450,000,000 commercial bank.

. Responsible for the entire agricultural lending department.

. Responsible for approx. 225 loan accounts.

. Responsible for approx. $15,000,000 in loans - 1/3 in Commercial,

1/3 in Agriculture, and 1/3 in Consumer loans.

. $100,000 loan authority.

. Commercial Real Estate Appraisal reviewer.

. Collection of delinquent loan payment.

. Overdraft acceptance and denial.

. Credit Card acceptance and denial.

Wisconsin Farmland Conservancy-Menomonie, Wis. 547**-****-****

Land Protection Specialist

Land Trust

. Developed the Baseline Monitoring Program used by the Conservancy

on land enrolled in a Conservation Easement.

. Responsible for completing the Baseline Monitoring Program and

enforcement of the Conservation Easements on land enrolled in a

Conservation Easement.

. Oversee land enhancement programs.

Self employed, River Falls, Wis. 54022

1985-2000

Ag. Financial Consultant

. Commercial Banks - Complete financial analysis of agricultural

units to determine the financial feasibility for loan origination

of in house and/or FmHA guaranteed loans. Determine loan security

values of real estate and chattel property. Completed monitoring

and enforcement of loan requirements (farm visits).

. Farmers Home Administration - Had yearly contracts to complete

financial analysis of agricultural units to determine the financial

feasibility for loan approval. Loan types consisted of conventional

loans, interest assistance loans, and loan deferral. Determine Loan

security values of real estate and chattel. Completed monitoring

and enforcement of loan requirements (farm visits).

Self employed continued

1985-2000

Real Estate Appraiser

. Commercial Banks - Complete certified appraisals to obtain the RE

security value for loan writing, foreclosures, and resale of

property.

. Farmers Home Administration - Had yearly contracts to complete

certified appraisals to obtain the RE security value for loan

writing, foreclosures, and resale of property.

. Lawyers - Complete certified appraisals to obtain the RE security

value of properties for foreclosures, divorces, and bankruptcies.

. Individuals - Complete certified appraisals to obtain the RE

security value for sale of property.

. Completed rural real estate appraisals in St. Croix, Pierce, Pepin,

and Buffalo Counties in Wisconsin.

. Monitor real estate mortgage requirements.

. Assess loan security values.

Federal Land Bank-River Falls, Wis. 54022

1980-1985

Loan Officer

. Analyze farm financial feasibility for loan requests.

. Appraise and analyze real estate taken as security.

. Monitor and enforcement of mortgage requirement.

. Originate, close, and distribute loan proceeds.

. Oversee real estate loan and security legal requirements.

. Delinquent loan collection.

. Complete title searches.

EDUCATION

Alma High School

Bachelor of Arts in Agribusiness, UW River Falls, River Falls, Wis.

Real Estate Appraisal Certification, CVTC, Eau Claire, Wis.

COMPUTER SKILLS

Microsoft Office, Excel

REFERENCES

References to be provided upon request.

Contact this candidate