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David Stougaard is a solutions-focused credit / finance executive with more than 20 years of experience overseeing and ensuring the safety, soundness, and overall quality of a variety of loan portfolios.
DAVID STOUGAARD, MBA Mankato, MN 56001 ● (507) 381-7441 ● firstname.lastname@example.org COMMERCIAL LENDING | CREDIT ANALYSIS | CREDIT EXAMINATION EXPERTISE IN COMMERCIAL | AGRICULTURAL LENDING A solutions-focused credit/finance executive with AREAS OF EXPERTISE INCLUDE: more than 20 years of experience overseeing and Commercial Real Estate (CRE), Commercial ensuring the safety, soundness, and overall quality and Agricultural Lending of a variety of loan portfolios. Highly skilled in driving Risk Assessment / Risk Management sales and production teams, increasing volume, and attaining sustainable profit gains in challenging markets. Special Assets / Loan Workouts / Asset A master negotiator; with an exceptional track record of Recovery / OREO success managing work-outs and executing cost FSA (Farm Service Agency) and SBA (Small effective restructurings for distressed clients. Business Administration) Loans PROFESSIONAL EXPERIENCE SMALL BUSINESS DEVELOPMENT CENTER – MANKATO, MN 2011 TO PRESENT CONSULTANT / ADVISOR Gather information and analyze financial data in order to develop a comprehensive understanding of the small business owner’s needs and then offer the advice they need to take their business to the next level. KEY RESULTS Assisted a struggling business with $3MM in sales and 85 employees get their SBA and other loans restructured, obtain additional funding, and develop a better bookkeeping system. Led a large firm with 500+ employees, revenues of $20MM, and a $7MM revolving line of credit to use loan programs provided by the US government greatly reducing the risk of loss to their primary lender. DAVID STOUGAARD INSURANCE AGENCY – MANKATO, MN 2008 TO 2010 INSURANCE AGENT / OWNER Generated new business by contacting potential customers; then called on prospects to explain various insurance policy options and help them select the plan that best suited their needs. KEY RESULTS Built a small, successful insurance office from scratch to more than 100 clients when it was sold. AGSTAR FINANCIAL SERVICES – MANKATO, MN 1996 TO 2008 COMMERCIAL LOAN OFFICER Provided financing and financial services throughout rural Minnesota and Northwest Wisconsin. Provided financing solutions that allowed businesses to expand, increased profitability, and transition the business to the next generation. KEY RESULTS Personally generated more than $55MM in new loans and 85 new clients from 2000-2007. Dramatically increased the number of products sold from 1.5 to 5 per client through effective cross- selling. Invited to serve on an agricultural industry board from 2002-2007 Gave financial education presentations to members of an agricultural industry Increased company’s name recognition and image in an industry from less than 10% to 45% via a highly effective public relations marketing program. Continued… DAVID STOUGAARD – PAGE 2 Published financial articles in a Regional Industry Magazine (5,000+ circulation) and published a quarterly newsletters for clients and prospective clients EL CAMPO PRODUCTION CREDIT ASSOCIATION – EL CAMPO, TX 1991 TO 1996 SENIOR VICE PRESIDENT OF CREDIT Brought onboard to lift the Regulatory “Letter of Understanding” the company had received four months earlier. KEY RESULTS Drastically improved credit quality from 63% non-adverse to 98% adverse with minimum charge-offs. Was successful in having the Letter of Understanding lifted after only 18 months. Trained credit personnel to analyze credit on an accrual basis instead of on the cash basis which they previously used. Developed a New Loan Incentive Program, which increased loan volume 20%. Early career experience includes having served nearly seven years as a Senior Credit Examiner at Farm Credit Bank of Texas. Charged with overseeing a 4 to 5-member team of examiners brought on to complete on-site examinations of asset quality by performing credit analysis plus ensuring compliance of all loan and securities portfolios to laws and regulations related to the Office of the Comptroller of the Currency (OCC). COMPUTER SOFTWARE SKILLS Microsoft Suite of Products: – Outlook, Word, Excel, PowerPoint, etc… Proprietary Software – CRM, Statistical, Internal Credit Approval Package COMMUNITY INVOLVEMENT University of Minnesota South Central Alumni Board of Directors Downtown Kiwanis Club Member Mount Kato Junior Race Team Board of Member and Race Results Director Dakota Meadows Middle School Assistant Girls Golf Coach Mankato Area Girls Lacrosse Treasurer EDUCATION MASTER OF BUSINESS ADMINISTRATION (MBA) – 2012 Minnesota State University – Mankato, MN BACHELOR OF SCIENCE (BS) IN ECONOMICS University of Minnesota -Twin Cities, MN
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