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Experience:
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Financial Institution, Banking and Agriculture
Agricultural Lending
Development of farm plan
Cashflow analysis
Crop production estimates
USDA /FSA Guaranteed loan program
Real Estate Loans
Equipment Loans
EXPERIENCE
2001-Present
MRI of Northeast Louisiana L.L.C.
Managing Member
Managing Member of company with 9 area physicians to open and operate an outpatient MRI Imaging Center in Rural Northeast Louisiana. Responsibilities including but not limited to contract negotiations, purchasing equipment, leasing equipment, property and building, policy and procedures, staffing, billing, accounting, and marketing. Supervised the remodeling and build out of facility to meet all applicable codes.
1984-2000
Deposit Guaranty National Bank/previously-Capital Bank, Delhi & Tallulah, Louisiana
Senior Vice President 1992-2000
Primary responsibility- Lending
I. Agriculture Loans –Duties included of preparation of application, financial statement, financial ratios, crop production estimates, and cash flow analysis. Interviewed loan applicants, collecting relevant information pertaining to crop history, production, and ability to manage operation. Evaluate general ability of customer to service all existing debt. Perform appraisals of farm equipment, real estate and crops. Perform direct inspection of crops for potential production estimates. Advise customers, where possible, concerning farm management and financial matters. Prepared an average of 100-250 complete loan packages for loan presentation to Loan committee each year between 1986-2000. Collected delinquent loans, filed and worked FSA Guaranteed loss claims. Developed new FSA Guaranteed Loan Program for the bank that grew to over 900 loans in excess of $150,000,000 since 1986.
II. Commercial Loans -Interview loan applicants, collecting and analyzing financial information to determine general credit worthiness, negotiate term and rate if necessary, and prepare all information to present to loan committee for approval.
III. Consumer Loans -Interview loan applicants, gathering the required information for credit application, explaining loan options, rate, terms, and collateral requirements. Make the decision to grant or decline credit requests up to approval authority of $100,000.00 for unsecured loans and $150,000.00 for secured loans, Cross sell services and monitor loans and DDA for potential problems.
EDUCATION
University of Southwestern Louisiana, Lafayette, Louisiana, May-1982
B.S. Degree in Business Administration
General Business
Finance
Accounting I & II
Intermediate Accounting
Real Estate I & II
Business Law I & II
Economics
Marketing
Business Statistics
Advanced Accounting
Business Communications
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