Kiersten Sinn

• Responsible for overseeing the retail lending department, setting goals, strategies, and priorities. The retail team includes relationship managers, credit analysts, and loan closers who collectively close $500MM in new volume per year.
• Oversees all credit reviews for approval consideration.
• Ensures team compliance with established policies and procedures.
• Cultivated a high performance team capable of thinking outside the box.
• Engages in cross departmental feedback.
• Developed new and meaningful tools and reports.
• Led operational team in development, rollout, and management of product lines.
• Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.
• Cultivated strong relationships with external partners to foster collaboration and maximize resources.

• Responsible for leading the retail credit department. Annual underwritten loan commitments totaled $400MM of closed and funded loan volume.
• Responsible for maintaining counterparty relationships on sold loans and large participations.
• Responsible for complex and high net worth underwritten loan commitments and all team credit reviews.

• Evaluated the creditworthiness of agricultural loan applicants by analyzing tax returns, balance sheets, cash flows, and other relevant financial documents in a timely manner.
• Industries of focus included row crops, poultry, hogs, cattle, dairies, and permanent plantings.
• Worked closely with the AgAmerica lending team and Borrowers to provide unique loan structures to meet their underlying needs.
• responsible for preparing and submitting accurate loan packages that Clearly communicate complex financial information, investment risks and mitigants.

Led a team of two commercial credit analysts

• Analyzed and underwrote loan requests for large exposure clients of the bank. Primary industries of focus included New York agriculture (dairy, row crop, wineries), investment real estate, renewable energy.
• Lead a team of two commercial credit analysts. Primarily responsible for managing day to day employee operations, loan reviews, and ongoing credit training.