Connect with Financial & Banking Candidates

I have 7 + years of financial analysts experience in the agriculture industry with a degree in Business Administration Management. Excels in financial reporting .

Credit Analyst (Commercial and Agricultural)

Bank
5 Years – Current Employer

• Analyze financials to determine the degree of risk involved in lending to businesses and individuals
• Spread tax returns and prepare a cash flow analysis to determine a borrower’s capitalization, liquidity, and profitability
• Document credit worthiness and collateral position to be presented for loan approval

Financial Analyst

Bank
2 Years

• Ensured SEC guidelines while preparing and filing the Bank’s 10-K, 10-Q, and 8-K
• Prepared tax returns and quarterly estimates
• Reviewed loan modifications for potential troubled debt restructurings

Education

Bachelor of Business Administration (B.B.A.), Management

With 8 years in the finance industry, I have developed strong consumer lending expertise, including residential lending, a strong analytical mindset, superior customer service standard, and team leadership experience.

Loan Officer

Credit Union
7 Years – Current Employer

• Providing superior services to members in cash, check, wire transfer, loan payment, fraud disputes, new accounts, IRAs, specialty accounts, and lending

Financial Paraplanner

Financial Planner
1 Year

• Servicing financial advising clients with their insurance, investments, and annuities. Conducting client meetings, writing follow-up communication, account analysis, mutual fund research.

Education

Marketing Major, Spanish Minor

Successful Sales Manager who generates new business and grows existing accounts by building strong client relationships. Develops and maintains the sales pipeline to achieve targeted quarterly and annual sales revenue growth. Consistently meets or exceeds sales performance goals. Skills and capabilities include sales account management, new sales prospecting, customer service excellence, revenue generation, marketing events, pipeline management, voluntary employee benefits, crop insurance, and property and casualty expertise.

District Sales Manager, Midwest Territory

Crop Insurance Company
4 Years – Current Employer

• Responsible for 6-state territory. Traveled 60-70% to maintain existing customers and prospect new accounts marketing Federal and Supplemental Crop Insurance to independent agencies.
• Helped grow revenue from $200k to over $15M in the Arkansas territory. Transferred to new territory and grew sales from $150,000k to over $10M.
• Developed sales strategies, proposals, and forecasts. Conducted product demonstrations and sales presentations with farmers and agencies to build market awareness and generate new sales. Recruited 20 to 30 agencies and trained over 60 agents to sell Federal and Supplemental Crop Insurance. Provided high levels of customer service and interface to become a trusted advisor.
• Maximized time with customers to seek new business and enhance customer retention by monitoring customer satisfaction and responding to customer concerns or requests.
• Forecasted sales by analyzing various products to determine fit to the needs of the client. Generated a consistent pipeline of prospects by making agent calls, cold calls, telephone calls and referrals to agents and their clients.

Agency/Owner

Farm Bureau Insurance Company
1 Year

• Launched a new agency to sell Property & Casualty Insurance to new and established clients.
• Prospected new clients via networking and canvassing. Successfully sold 75 new accounts valued at $225K in premium.

Director of Worksite Benefits

Financial Group
2 Years

• Recruited to launch a Voluntary Employee Benefit product line, marketing to the agriculture industry.
• Generated new sales to build the book of business by calling upon agricultural co-ops as well as introducing the new product line to the firm’s existing customer base.
• Provided insurance solutions used by companies to retain their employees by providing customized solutions. Led company sponsored workshops for employees to explain insurance benefit options.

Marketing Director, Voluntary Benefits

Benefit Administration Services
5 Years

• Recruited back from Allstate to lead sales on Voluntary Benefits to mid-sized companies. Led a team of enrollment coordinators and administrative support.
• Salvaged up to 15 failing accounts, by identifying pain points, and providing solutions to meet company needs relative to employee enrollment and claims management.
• Prospected new customers, adding an additional 30 client accounts while maintaining 80 existing accounts. Recognized as a top producer, consistently achieving or exceeding sales targets.
• Analyzed competitive product offerings, in terms of features and benefits and price points, to communicate product features to drive sales.

Enrollment Coordinator

Benefit Administration Services
23 Years

• Marketed Voluntary Employee Benefits (life insurance, accident insurance, disability, supplemental health insurance, etc.) to small and mid-sized companies for the Midwest territory.
• Managed 80 existing accounts and prospected for new accounts. Consistently met or overachieved sales goals, winning multiple trips and contests based on performance.
• Provided ongoing account support, including customer care, issue resolution, and facilitation of educational seminars.

Regional Sales Manager

Allstate
1 Year

• Marketed Allstate Voluntary Employee Benefit products to insurance agencies based in Kansas.
• Prospected new business with insurance agents, growing the book of business 10x by adding 30 additional agencies within one year.

Education

Coursework, Accounting

A Highly skilled and results-driven agricultural professional combining expertise in agricultural loan package preparation with 30+ years’ experience in agriculture, cattle production, and livestock management, with demonstrated talents in portfolio management, credit analysis, risk assessment, and customer relations and retention.

Vice President/Loan Officer

Bank
1 Year – Current Employer

• Increase presence by becoming totally involved in the community.
• Grow the portfolio by soliciting new customers and expanding the existing portfolio.
• Manage the day to day operations of the office. Clean up portfolio of non-performing and poorer credits.

Ag/Commercial Loan Officer

Bank
4 Years

• Grow the agricultural portfolio by soliciting new business through a planned series of sales calls and promotional efforts, thereby expanding the existing customer’s product base.
• Solicit and service commercial and consumer loans as the opportunity presents itself. Have grown the existing portfolio from $750,000 to over $2,450,000.
• Developed a list of prospects through meetings with business leaders; board members and others in the community
• Made cold calls as time and opportunity presented itself.

Foundation Seed Corn Production

Seed Production Company
2 Years

• Assists with all phases of foundation seed corn production.
• Process and prepare bagging orders for line workers and completing those orders once the process is completed.
• Lead team in preparing foundation seed for spring planting.

Regional Credit Officer

Finance Company
3 Years

• Market loan products to members and non-members of United Producers livestock marketing cooperative with total loan volume of $100M. I coordinated efforts with marketing staff to generate widespread awareness of the total package of credit, financial analysis, risk management and marketing products.

• Expanded existing loan portfolio from $1.3M to $2.6M in 2008. Economic downturn reduced portfolio to 1.8 million in 2009 and 1.5 million in 2010. Pursued loans of up to $4.5 million. 

Performed all tasks related to complete financial analysis of potential customers credit worthiness including analysis of current and historical financial position (including net worth, liquidity, debt repayment capacity and collateral coverage), future trends and plans, collateral analysis and debt repayment ability.

• Utilized contacts from position as Program Manager to grow awareness.

• Worked closely with UPI marketing staff to revitalize relationship between marketing and lending departments. Cross sold marketing products and services to grow both division’s business.

• Prepared loan documentation for all types of agriculture related loans including crops, livestock, equipment, buildings and a very limited exposure to real estate.

• Constantly reviewed market intelligence to stay ahead of competition.

• Utilized industry events (trade shows, conferences, etc. to increase awareness.)

• Portfolio ranged in size from $25,000 to $3,000,000.

Program Manager

Non-Profit to Help Farmers
8 Years

• I provided program leadership and development to the state-wide program of disability services for farm families dealing with disabling accidents and illnesses.
• Prepared proposals to secure grant funding and marketed program throughout Illinois to grow awareness of program goals with existing and new stakeholders.
• Coordinated marketing program to increase awareness of program that included newsletter development, key news article placement, web-site development and interaction with key stakeholders in Illinois ag community to garner support for and awareness of program.
•  Developed and maintained relationships with extension personnel, USDA’s FSA staff, legislative members and staff and producer organizations.
• Acted as key liaison to other state programs and the staff of the national project both at the land grant and disability service provider partners.
• Created network of more than 70 volunteers to expand program awareness. This became the model for other projects throughout the nation. Grew volunteer program from 4 volunteers to over 70 covering the 72 rural counties in Illinois. This effort became the model for the national project and all other state projects
•  Successfully partnered with Project Director and key staff members to compete with 28 other states and attain grant for 4-year funding cycle.
•  Assisted 225+ clients with direct program services and 1,200 prospective clients with information inquiries about available resources. Clients served grew 500 % during my tenure as program manager.
• Led effort to secure state funding after discontinuation of federal funding in 2006. Worked with state legislators to pass an act which created budget line item for inclusion in appropriations for fiscal years. Created a network of key staff to ensure continued success after the initial passage.
• Served on Planning committee for National training conference for 7 years and hosted national conference.
•  Utilized industry events (trade shows, conferences, etc.) to increase public awareness by utilizing staff, volunteers and former clients staff the booths.