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Results-driven Executive possessing 20+ years of experience in the agricultural industry.
Seasoned in performing financial analysis, conducting property appraisals and delivering loan services.
for the ability to implement highly innovative strategies to significantly
drive business development.
Dynamic interpersonal communication skills, instrumental to rapidly establishing rapport and cultivating positive relationships with clients.
Farm Credit West, Tulare, CA 2010-2017
VP / Loan Officer
Fulfilled critical leadership role responsible for managing credit application valuing $80M, driving business development initiatives and monitoring team performance.
Leveraged strong interpersonal skills to establish and maintain positive relationships with clients; strategically identified needs and devised individualized solutions.
Implemented innovative strategies, including networking and prospecting, to grow existing client base.
Maintained open lines of communication with Relationship Managers, Credit Administration and Appraisers.
Closely monitored team performance and implemented action plans to boost productivity.
Conducted in-depth credit analysis, presented applications and provided various loan services.
Rabobank N.A., Fresno, CA 2000-2010
VP / Credit Analyst
Demonstrated a strong attention to detail while underwriting credit applications valuing up to $100M.
Successfully managed dairy and crop budget monitoring processes.
Utilized industry expertise to strategically monitor, review and address maturing / past due loans.
Maintained quality control throughout day to day operations; provided due diligence on agricultural loan portfolio for potential acquisition of coastal bank.
Leveraged strong leadership abilities to coach and mentor newly hired team members.
Contributed expert knowledge to development of Guidelines for Computing Capital for Incremental Risk model.
WestAmerica Bank (Previously WestAmerica Bank), Selma, CA 1995-2000
AVP / Commercial Loan Officer
Assumed critical leadership position overseeing multiple retail / commercial branches delivering full lending and deposit services.
Drove both agricultural and commercial business development initiatives; managed 50+ client portfolios.
Ensured quality control throughout daily operations by closely reviewing financial statements, reviewing credit reports and compiling data.
Self Employed, Fresno, CA 1993-1995
Successfully appraised agricultural commodities for up to 38,000 acres.
Exemplified a strong attention to detail while closely analyzing financial data, structuring information databases and supplying fee appraisal services.
Bachelor of Science of Agricultural Business, Emphasis in Agricultural Business and Business Finance
California State University Fresno; 1993
Coursework Completed, AG Lending Institute (ALI), Fresno, CA.
Past Board Member, California Ag Lenders Society
Attended Multiple Seminars on AMA s, Business Writing, Cash Flow Analysis, Risk Management/Structuring, Loan Participations and Loan Workouts / Collections.
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