Josh Herbold, CTP

Experience

• 

  Minnwest Corporation

  Jun 2006 - Sept 2007

  Commercial Loan Officer Trainee

  • Assisted in managing $67 million bank portfolio• Utilized knowledge of credit policies and underwriting guidelines to complete credit presentations that thoroughly analyzed client’s financial performance, collateral coverage, and repayment risks. • Performed on-site inspections to monitor construction projects and processed draw requests while collecting lien waivers and ensuring a balanced project• Assisted on corporate documentation and asset quality portfolio reviews• Responsible for the maintenance of IT processes Show less

• 

  Bremer Bank

  Sept 2007 - now

  - Responsible for sourcing, acquiring and developing new clients along with growing, expanding and maintaining existing relationships to Middle Market companies within the risk and profitability parameters of the organization. - Manage and develop relationships with clients to understand their business, risks and opportunities. - Coordinate with the Credit function and responsible for credit quality management. - Build relationships and collaborates with internal partners across the organization to identify referral opportunities to enhance client relationships. Show less - Direct the daily business development and retention activities of business banking team by setting, communicating and monitoring performance toward sales and referral goals; conducting regular sales meetings and one-on-one sales coaching and performance meetings; monitoring pipeline and referral activity; and participating in both individual and joint sales calls.- Manage individual and department portfolios and their credit quality in compliance with all applicable standards, policies, procedures and regulatory requirements to minimize risk: assign risk ratings, maintain pricing strategies, enforce fee schedules, monitor past due notes and execute the charge off and work out processes as required.- Analyze financial information to design loan structures, recommend and/or authorize loan approval, and execute loan transactions. - Perform onsite inspections of business operations to monitor collateral - Ensure all department administrative and procedural requirements are implemented and achieved, which includes credit, risk, financial, systems/operations and human resources functions.- Promote the delivery of exceptional client service to ensure clients feel welcomed, valued and confident.- Maintain favorable employee relations within the market by identifying and addressing barriers or obstacles in achieving performance standards; addressing performance issues; providing opportunities for professional development; ensuring appropriate staffing levels and market-competitive compensation; and recognizing or rewarding successes.- Promote a favorable bank image in the community by participating in and encouraging employee participation in community organizations and activities. Show less

  • Commercial Banking Relationship Manager

    Feb 2022 - now

  • Business Banking Team Lead

    Aug 2016 - Feb 2022

  • Business Banker

    May 2011 - Jul 2016

  • Credit Analyst

    Sept 2007 - May 2011