Ethan Turley
Louisville,KY
Summary
Loan Underwriter with a strong background in agriculture. Committed to leveraging analytical skills and agriculture expertise to make informed loan decisions, provide solutions, and mitigate risk.
Overview
5
5
years of professional experience
Work History
Loan Underwriter
CGB AgriFinancial
04.2024 - Current
- Evaluate and analyze agricultural loan applications, assessing creditworthiness and risk factors associated with farming and agribusiness ventures.
- Conducted thorough financial analysis, including reviewing balance sheets, cash flow statements, and income projections to determine loan feasibility.
- Collaborated with farmers and a 10 person sales staff that is located across the mainland United States to gather necessary documentation and provide guidance on loan application processes.
- Stayed informed about agricultural market trends, changes in regulations, and advancement in farming technologies to make informed underwriting decisions and safeguard company assets.
Collateral Analyst
CGB AgriFinancial
07.2020 - 04.2024
- Manage the entirety of the appraisal process: Includes communicating with multiple departments toensure AgriFinancial's collateral position is properly secured.
- Research and analyze market data to provide current collateral valuations.
- 200+ hours of formal appraisal education training and 1000+ hours of formal appraisal experience.
- Review and analyze appraisals performed by external appraisers and confirm that the appraisalvaluation meets all investor and regulatory requirements.
- Communicate internally with members of senior management to resolve appraisal disputes andconcerns.
Assistant Superintendent
Consolidated Grain and Barge Company
12.2019 - 07.2020
- Lead and manage a team of 5-8 hourly employees to complete daily operation tasks.
- Manage the company’s safety initiative and compliance with OSHA standards to provide a safeworkenvironment for production employees. Currently have completed two mock OSHA audits incoordination withsafety associates.
- Propose and write up capital projects to senior management to improve the efficiency or safety of thefacility.
- Manage 3rd party contractors and see through the completion of capital projects.
- Communicate daily with senior management to implement production plans that meet customer andprofitability demands.
- Maintain quality of stored commodities until demand is reached from export markets.
Operations Management Trainee
Consolidated Grain and Barge Company
06.2019 - 12.2019
- Work with and Lead 4-6 hourly employees to complete daily production tasks.
- Learn and enforce the company’s safety programs in coordination with OSHA standards.
- Provide recommendations for facility efficiency and production improvement.
- Became well versed and hands on in all roles of production, no matter how small the role.
Education
Bachelor of Science - Agricultural Economics
University of Kentucky
Lexington, KY05.2019
Skills
- Credit Analysis
- Collateral/Appraisal Proficiency
- Agricultural Knowledge
- Analytical
- Communication
- Problem-Solving
Timeline
Loan Underwriter
CGB AgriFinancial
04.2024 - Current
Collateral Analyst
CGB AgriFinancial
07.2020 - 04.2024
Assistant Superintendent
Consolidated Grain and Barge Company
12.2019 - 07.2020
Operations Management Trainee
Consolidated Grain and Barge Company
06.2019 - 12.2019
Bachelor of Science - Agricultural Economics
University of Kentucky
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