Summary
Overview
Work History
Education
Skills
Affiliations
Certification
Websites
About Me
Timeline
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Katherine Hyde Shelton

Katherine Hyde Shelton

Napa,CA

Summary

Passionate and skilled finance professional with over a decade of experience. Excels at building and maintaining strong relationships with clients, partners, and stakeholders, using social networking to identify and pursue new opportunities, and to deliver exceptional service and value. Deep understanding of various industries, including but not limited to private equity, wine, food and beverage, corporate ag, and telecommunications.

Personal mission to support the growth and sustainability of the agricultural and rural infrastructure sector, by providing access to capital, expertise, and education. Desires to be part of a diverse and collaborative team that shares the same vision and values, while challenging her to grow and learn.

Overview

14
14
years of professional experience
1
1
Certification

Work History

Corporate AgFinance Underwriter

Federal Agricultural Mortgage Corporation
Washington DC, DC
05.2023 - Current
  • Works within the Corporate AgFinance group, which encompasses Corporate Agribusiness, Large Farm & Ranch, Wholesale Finance, Telecommunications/Rural Infrastructure, and Rural Utilities.
  • Analyzes, underwrites, and provides recommendations for new and existing credit transactions, as well as performs monitoring of ongoing credit quality of Farmer Mac customers; including corporate companies, production agricultural operations, financial institutions, investment companies, and REITS.
  • Assesses and structures complex credits for a variety of commodities and industries across the United States. Focused on large corporate food & agribusiness and telecom transactions, including but not limited to cash-flow based loans (leveraged loans, term loan B, etc.) ABL loans, and other collateral dependent facilities.
  • Works directly with third-party loan originators during the structuring, negotiation, documentation review, and execution of financings for Farmer Mac's growth aspirations for these portfolios. Assists Syndications team on larger transactions that require participating institutions/investors outside of Farmer Mac.
  • Regularly travels across the United States to attend in-person Lender Presentations, various industry conferences, and capital markets retreats. Networks with FCS and other third-party lenders. Travels twice a month, on average.
  • Prepares and presents credit presentations recommending new or incremental credit exposure to the Credit Approval Committee and CCO.
  • Reviews loan documentation of potential counterparties for acceptability of terms and conditions and advise on structural considerations. Coordinates close of transactions.
  • Assesses loans submitted by clients to be pledged as eligible collateral for Institutional Business Development clients' bond issuances.
  • Develops and maintains knowledge of financial industry, economy, market conditions, geopolitical climate, rates, and competition.

Senior Credit Analyst

First Republic Bank (now J.P. Morgan Private Bank)
San Francisco , CA
02.2013 - 05.2023
  • Began career with First Republic Bank in 2013 as a Preferred Banker, working in the corporate headquarters in the Financial District of San Francisco. Managed a portfolio of HNW deposit clients and acted as her client's liaison to all parts of the Bank (ie. Wealth Management, Residential Mortgage, Commercial Lending, etc.).
  • In 2016, took position as Portfolio Quality Analyst for the Wine Group in Napa Valley, CA and was eventually promoted to a Credit Analyst. Managed the entire credit process, serving as a direct point of contact to various prestigious wine industry clientele during the prospecting, structuring, underwriting, closing, and ongoing relationship management. Underwrote vineyard development loans, operating lines of credit, SBLCs, and commercial real estate facilities. Within this role, was first introduced to agricultural lending and became familiar with various nuances of the wine industry.
  • In 2020, offered a lateral transfer to the Private Equity/Venture Capital lending team, and eventually promoted to Senior Credit Analyst. Despite possessing the same title, this role was extremely different from previous position on wine team. Primarily underwrote capital call lines of credit and ManCo lines of credit, which were underwritten to the strength of the LP investors, LPA, and fee income projections. Routine interactions and communications with internal/external counsel to manage negotiations and review loan documentation.

Assistant Branch Manager

Bank of America
San Francisco, CA
03.2010 - 02.2013
  • Began tenure at Bank of America in 2010 as a part time Teller, while studying at the University of California, Santa Cruz. Later promoted to Senior Merchant Teller and later to a Teller Operations Specialist, a management role with a focus on operational excellence in preparation for upcoming banking center audits.
  • Upon college graduation in 2012, offered a position as Assistant Branch Manager of the 50 California branch, a prestigious office building in the financial district of San Francisco. Katherine was discovered by a mutual client, who then recommended her to his Relationship Manager at First Republic Bank.

Education

Bachelor of Arts - Psychology

University of California, Santa Cruz
Santa Cruz, CA
06-2012

Some College (No Degree) - Kings College Programme

University of Cambridge
United Kingdom

Skills

  • Relationship Management
  • Excellent Client Service
  • Strong Professional Network
  • Goal-Oriented Self-Starter
  • Thoughtful, Thorough, and Balanced Underwriting Approach
  • Data Compilation & Analysis
  • Market Trend Research & Analysis
  • Business Development
  • Strategic Networking and Marketing
  • Cash Flow Analysis
  • Portfolio Management
  • Strong Presentation Skills
  • Loan Documentation Review
  • Deal Structuring
  • Project Management
  • Staff Recruitment, Hiring, & Training
  • Team Coaching, Development, and Collaboration
  • Bottom-line Efficiency
  • Proactive, Focused, & a Quick Study
  • Professional Demeanor
  • Attention to Detail / Analytical Thinking Skills
  • Time Management / Organizational Skills
  • Excellent Writing Skills / Effective Communication

Affiliations

  • Board Member of Napa Valley Tennis Association
  • Active Member of The Society of California Pioneers
  • Toastmasters
  • San Francisco Cotillion - Debutante of December 2008 class
  • Kappa Kappa Gamma Alumni

Certification

  • California Real Estate Salesperson License
  • NMLSR #1285942

About Me

I proudly represent the third-generation of my family to live and work in Napa Valley, CA. I grew up on a lavender farm and would assist my family in farming and harvesting nine varietals of lavender on our 12 acre property on the hillside of Yountville. The yield from harvest was used to create soaps, essential oils, hydrosol  cleaning mists, candles, shampoos, lotions, etc. for my mother's small business, the Napa Valley Lavender Company. From a young age, I would assist my mother at wholesale trade shows in San Francisco, farmer's markets in St. Helena, and was present for successful sales meetings with notable wholesale clients, such as Whole Foods Market and Nordstrom Spa. Later we opened two boutique stores in Napa, where I worked as a sales associate during high school to save money for college. My mother included me in the full vertical integration of her business, whereupon I generated a passion for farming, small business, and the American entrepreneurial spirit. My upbringing taught me the value of a true sense of ownership, a resilient work ethic, and the importance of a positive mental attitude. 

Timeline

Corporate AgFinance Underwriter

Federal Agricultural Mortgage Corporation
05.2023 - Current

Senior Credit Analyst

First Republic Bank (now J.P. Morgan Private Bank)
02.2013 - 05.2023

Assistant Branch Manager

Bank of America
03.2010 - 02.2013

Bachelor of Arts - Psychology

University of California, Santa Cruz

Some College (No Degree) - Kings College Programme

University of Cambridge
Katherine Hyde Shelton