Alexandra S Rasmussen
Cologne,MN
Summary
Capital markets-oriented commercial banking leader with extensive experience structuring credit facilities, assessing risk, and managing portfolio performance for small and mid-sized businesses. Proven ability to analyze financials, design resilient loan structures, and optimize pricing, covenants, and collateral to drive strong risk-adjusted returns. Skilled at translating credit performance into scalable decision frameworks and investor-ready assets, with a collaborative, data-informed approach aligned with fintech lending platforms focused on capital markets execution and portfolio scalability.
Overview
10
10
years of professional experience
Work History
Vice President, Business Banker
Americana Community Bank
Chanhassen, MN
01.2024 - Current
- Structured and underwrote complex commercial credit facilities including term loans, revolving lines of credit, owner-occupied and non-owner occupied real estate financing, evaluating risk across cash flow, collateral, an borrow performance.
- Analyzed borrower financials, global cash flow , and industry risk to structure credit solutions aligned with portfolio performance, profitability targets, and regulatory standards.
- Originated and managed a multimillion- dollar commercial loan portfolio while maintaining strong credit quality and risk-adjusted returns.
- Negotiated loan pricing, covenants, and collateral structures to optimize yield while protecting downside risk.
- Delivered tailored solutions to mid-sized businesses, improving client liquidity expansion capability, and capital efficiency.
- Ensured compliance with regulatory requirements and internal credit policy while supporting scalable lending practices.
- Collaborated cross-functionally to streamline underwriting workflows and improve decision turnaround time.
- Secured participant financing if needed.
- Confident and capable of presenting new facilities to Senior Loan Committee and Directors Loan Committee when outside of individual Approval Authority.
- Comfortable use of profitability modals and loan relationship pricing.
- Experience in ALCO
Loan Processor
HomeTown Bank
Victoria, MN
12.2021 - 01.2024
- Skilled in analyzing financial information, identify obstacles and evaluate financial risk to the customer and bank, brainstorm creative solutions.
- Gracefully work in heavy commercial environment using strong communication, organization, and time management skills.
- Conduct thorough credit analysis and maintain accuracy from start to finish of loan process in support of Lender and customer.
- Work closely with appraisers, title companies, and commercial real estate teams, always prioritize customer experience.
- Create accurate closing documents and ensure perfection and clean auditing of loan and file.
- Train other Loan Processors at the Branch in analysis, booking and maintenance of complicated commercial loans including participations.
- Assess creditworthiness/ repayment risk of both individuals and companies, preform collateral analysis, analyze loan structure and pricing.
- Create and review credit presentations with detail accuracy
- Validation of borrowing base certificates and testing of financial covenants per commercial loan documents.
- Ongoing and consistent support of the banks goals and values.
Branch Sales Manager
ROUNDBANK
New Prague, MN
12.2019 - 08.2021
- Forged and nurtured impactful relationships with customers to cultivate loyalty, and trust.
- Encouraged cross-selling of additional products and services through relationship-building and acquired understanding of customer business needs.
- Worked diligently to resolve complaints and maintain high levels of customer satisfaction.
- Analyzed financial statements to identify cost control initiatives.
- Owned all aspects of sales planning, development, staffing, team and account management for Roundbanks Universal Bankers at the New Prague branch.
- Monitored customer buying trends, market conditions and competitor actions to adjust strategies and achieve sales goals.
- Lead successful implementation of Universal Banker Model for the branch in 2020.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Oversaw entire loan process to provide each client exceptional service.
- Approved and underwrote - including cash flow- all consumer loan product types including HELOC, Fixed Second Mortgages, ARMs, credit cards- secured and unsecured (and trained banking staff in accordance)
- Security and Audit Officer of the New Prague Branch.
Relationship Banker
Old National Bank **ACQUISITION**
04.2019 - 12.2019
- Opened and maintained accounts and personal loans for customers and closely partnered with commercial business banking staff and their clients.
- NMLS Certified- lead consumer loan production for the branch.
- Gained in depth knowledge of the loan process from application and underwrite to close.
- Consistently promote the right fit of products and services personalized to each customer based off current needs and future goals while looking for partnership referrals to investments, mortgage and business banking.
- Minimize risk to the bank by analyzing situations of possible fraud and follow procedures to prevent or minimize financial harm.
- Managed escalated customer issues by applying conflict resolution skills and extensive knowledge of bank policies, procedures, products and services.
- Preformed all Medallion Stamp/ Signature Guarantees with supporting documentation.
Bank Teller Supervisor
KleinBank
Chanhassen
03.2016 - 04.2019
- Oversaw and managed branch teller line.
- Professionally lead the team in promoting banks products and services by frequently cross-selling at every opportunity and reached quarterly incentive goals with diverse referrals.
- Interview, hire, and trained tellers to become compliant and knowledgeable of all bank policies and procedures.
- Motivated and educated tellers to have consistent fitting product conversations to all customers that could benefit from new deposit accounts, loans, or other services.
- Maintained and ensured daily balancing of cash vaults, teller tills, and general ledger accounts- problem solved, uncovered, and corrected discrepancies.
- Prepared and cash shipments to and from the Federal Reserve.
- Completed monthly and quarterly cash and branch audit requirements on time.
- Cross-trained as personal banker.
Education
University of St. Thomas
Saint Paul, MNRochester Community And Technical College
Rochester, MNCommercial Lending School - Completed 2024
Minnesota Bankers Association
Eden PrairieSkills
- Structuring
- Credit and advanced Cash Flow Analysis
- Calyx-Point
- Hawthorne- CSI Products
- Byte
- DecisionPro LaserPro
- WebEquity
- Underwriting Complex Facilities
- Financial Report Interpretation
- General Ledger Accounting
- Management
Timeline
Vice President, Business Banker
Americana Community Bank
01.2024 - Current
Loan Processor
HomeTown Bank
12.2021 - 01.2024
Branch Sales Manager
ROUNDBANK
12.2019 - 08.2021
Relationship Banker
Old National Bank **ACQUISITION**
04.2019 - 12.2019
Bank Teller Supervisor
KleinBank
03.2016 - 04.2019
University of St. Thomas
Rochester Community And Technical College
Commercial Lending School - Completed 2024
Minnesota Bankers Association