Julie Renner
Ferndale,CA
Summary
Passionate, self-motivated, and experienced agriculture finance leader. Talented at setting goals in alignment with organizational objectives, developing strategies, collaborating across teams and departments to prioritize work and achieve goals, and developing employees. Confident and decisive when communicating goals and vision to succeed. First-class problem solver with excellent interpersonal skills. Demonstrated willingness to take on added responsibilities for the good of the team.
Overview
20
20
years of professional experience
Work History
Head of Agribusiness (Food & Wine)
American AgCredit
05.2022 - Current
- Lead a team of Relationship Managers focused in the food and wine market segment to establish and execute go to market strategies and business development plans to grow new relationships and support and expand business to existing customers within the organization's risk appetite
- Managed portfolio size of 280 customers with approximately $3bln in total managed commitments. 2023 (YTD:10/31/23) team performance included 20 new customers and $400MM in New Money (116% of stretch goal)
- Provides functional guidance to team and cross-functional team mates on loan structuring, pricing and negotiations
- Collaborate with other functional leaders (operations, underwriting, loan documentation, treasury management, evaluations services) to refine processes to improve customer service, credit delivery and team communication
- Lead cross-functional hub calls to share workflow and pipeline awareness and establish prioritization of work
- Collaborated with AAC's Brand and Terrain teams to continue the launch and maturation of Terrain in the wine and specialty crops segments
Business Transformation Lead
American AgCredit
04.2021 - 04.2022
- Jointly created vision for small loan operating model and digital self-service experience
- Created framework for collaboration with Executive Alignment Team and Business Delivery Teams
- Collaborate with stakeholders, delivery teams, and vendors to lead and execute delivery of Association's strategic initiative.
VP - Underwriting Manager
American AgCredit
01.2018 - 03.2021
- Responsible for staffing, developing, and managing the Agribusiness underwriting team to support Agribusiness portfolio (~$4.2bln in managed global commitments at FYE 2020). Supported Food and Wine, Dairy and Protein and Grain market segments
- Grew team of Agribusiness Underwriters from 6 to 12 to support growing Corporate Banking Portfolio (17.91% CAGR commitments held 2018-2020)
- Collaborated with Lending and Operations leadership to ensure team effectiveness, process efficiency and adherence, and delivery of desired customer experience
- Reviewed and recommended Corporate Review Queue credit actions
- Provided guidance and feedback to Relationship Managers and Underwriters on credit structuring and analysis
- Spearheaded creation of Portfolio Monitoring Team to improve portfolio monitoring effectiveness and operational efficiencies of the Corporate Banking Group establishing framework that could be expanded to other divisions of the Association
- Served as stakeholder and SME for the Commercial & Corporate nCino launch including design, configuration, testing, training, and post-go live support
- Other Special projects/committees: Credit PPRAT, Agribusiness Credit Agreement, Align.org, Operating Committee, Leadership Group, Co-Chair of the Corporate Legal Support SI Committee, Member of the Underwriting Compliance Group and Process Review Corporate SI Committees
VP Senior Portfolio Analyst - Sr. Credit Analyst
American AgCredit
10.2012 - 12.2017
- Analyzed, evaluated, and recommended decisioning on financing and modification requests of Agribusiness and Capital Markets accounts primarily in California Food and Beverage market segment
- Ending portfolio consisted of 52 accounts with ~$1bln in managed global commitments
- Performed credit administration and account servicing
- Provided guidance to Relationship Managers in structuring, pricing, and marketing financing products to AAC originated accounts
- Assisted in preparation and presentation/negotiation of term sheets
- Collaborated with banking group partners and outside counsel as needed
- Mentored less seasoned staff in credit analysis, structuring and portfolio monitoring.
Senior Loan Officer - Credit Analyst
American AgCredit
09.2003 - 09.2012
- Managed day to day customer relationships of a portfolio of loans primarily in the commercial vineyard, winery and dairy industries in Sonoma and Marin Counties
- Assessed credit risk and analyzed financial statements to determine appropriate loan structures and customer solutions
- Conducted inquiry calls, sales presentations, and negotiations with existing and target customers.
Education
Bachelor of Science - Agribusiness, Finance & Appraisal, Wine and Viticulture
California Polytechnic State University
San Luis Obispo, CA08.2003
Skills
- Strong communication skills
- Strong leadership, lead by example
- Collaborative
- Goal Setting
- Strategic Thinking
- Strong inter-personal skills
- Empathic
- Results oriented
Timeline
Head of Agribusiness (Food & Wine)
American AgCredit
05.2022 - Current
Business Transformation Lead
American AgCredit
04.2021 - 04.2022
VP - Underwriting Manager
American AgCredit
01.2018 - 03.2021
VP Senior Portfolio Analyst - Sr. Credit Analyst
American AgCredit
10.2012 - 12.2017
Senior Loan Officer - Credit Analyst
American AgCredit
09.2003 - 09.2012
Bachelor of Science - Agribusiness, Finance & Appraisal, Wine and Viticulture
California Polytechnic State University
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