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Commercial/Ag Loan Officer

Sioux Falls, South Dakota, United States
January 29, 2018

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**** * *** ****** ** Sioux Falls, South Dakota 57110

Cell: 605-***-****


NMLS #682601


~ Extensive lending experience ~ Utilized SBA7a & 504 programs

~ Self-Starter ~ Detail oriented

~ Effective communication skills ~ Impeccable work ethic

~ Team builder ~ Client relationship management


Service First Federal Credit Union Sioux Falls, SD

March 2017 to present

Commercial Business Lending Officer

Responsible for developing new business with a primary focus on managing a portfolio and a secondary focus on new member acquisition and prospecting. analyzing credit, have strong understanding of banking industry and the underwriting process.

Examines, evaluates and authorizes or recommends approval of customer applications for commercial loans with their underwriting partners.

Plans and implements financial institution sales and marketing programs targeted towards the business community. Communicates regularly with all interrelated departments within the Credit Union to promote SEG and Core group relationships.

Home Federal Bank Sioux Falls, SD June 2014 to May 2016

Business Banker

Executes all sales program initiatives to successful results as measured by established goals.

Develops, communicates and leads in sales objectives and implements the business plan.

Provides the leadership in overseeing the effective delivery of the Business Banking product lines to meet the needs of Business Community.

Demonstrates consistent and effective problem solving, establishment of priorities, strategic thinking and is effective making intuitive decisions.

Demonstrates a keen sense of justice and fairness.

Maintains quality control process within established targets to ensure proper levels of service are delivered.

Handles internal and external customer complaints ensuring resolution within a reasonable period of time.

Cross sales bank's products when opportunity presents itself.

Wells Fargo Bank Beresford, SD March 2012 to June 2014

Business/Agriculture Loan Officer

Responsible for soliciting and/or developing and maintaining profitable account relationships with more complex and large sized business accounts in a specific (e.g. Agriculture, Commercial Real Estate and Title Companies etc.)

Solicits the most complex customers in their industry area and has increased lending authority.

Acts as the relationship manager to existing customers, determines customer's commercial loan and deposit needs and deepens existing customer relationships, act as customer's advocate in securing suitable credit and cross sells products and services.

Bank of the West Huron SD May 2011 to December 2011

Vice President/Branch Manager

Working with staff evaluating their performance, develop their abilities, and make sure they meet established goals and standards

Assisting customers with their banking needs with the highest degree of customer service

Responsible for security and the day to day operation of the bank and manage and growing present loan portfolio

Managing a $12 million portfolio: 60% Ag, 30% commercial and 10% consumer

First Midwest Bank Centerville SD July 1977 to March 2011

Vice Chairman July 2000 to March 2011

Member of the Board of Directors, ALM Committee, “IT” Committee, and Loan Committee

Supervised ten staff members in the Centerville operation

Managed a portfolio of $29 million: 45% Ag, 45% commercial, and 10 % consumer

Average interest yield of 7.55 percent.

My largest credit was $3.5 million.

Managed special assets along with bankruptcy court experience.

Worked with SBA and FSA for loan clients.

President July 1996 to July 2000

Managed the day to day operation with the supervision of twenty staff members in Centerville and Sioux Falls

Managed a $15 million portfolio: 45% Ag, 45% commercial, and 10% consumer

Duties included developing and implementing marketing strategies to build the bank’s client base in Sioux Falls while also growing new clientele and servicing the clients in Centerville

Vice President July 1977 to July 1996

My management role involved full responsibility for hiring, performance evaluations and staff development with assigned staff along with profitability and policy compliance of all departments

Responsible for business development.

Started with a loan portfolio of $5 million.


1990 Graduate School of Banking in Colorado, Boulder, Colorado

1979 South Dakota Real Estate Broker License

1978 South Dakota Insurance License in Property and Casualty and Life and Health

1977 Bachelors in Science in Business Administration, minor in economics from Dakota State College, Madison, South Dakota


Centerville School Athletics Volunteer/Clock official (1992 to present)

Planning and Zoning Committee for the City of Centerville (1996 to 2011)

Centerville Rotary Member (1996 to present)

Member of Beresford Economic Develop Committee

Member of Beresford Chamber

Member of Sioux Falls Chamber

Member of Prairie Family Business Association

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