Kelly Guthrie
Monroeville,Ohio
Summary
Dynamic Portfolio Manager with over 12 years of experience in the food and agribusiness lending sector, specializing in business development, credit risk assessment, relationship management, and capital markets. Recognized for a self-motivated, entrepreneurial spirit, complemented by strong organizational skills and a collaborative approach to teamwork. Proven ability to drive results and foster lasting relationships within diverse stakeholder environments. Committed to leveraging industry knowledge to deliver innovative financial solutions that meet client needs.
Overview
11
11
years of professional experience
Work History
Portfolio Manager, Agribusiness & Capital Markets
AgCredit, ACA
11.2021 - Current
- Manage a loan purchase portfolio of $380 million in the food, beverage, grains, protein, and rural infrastructure sectors
- Underwrite and monitor credit for an additional $150 million of originated volume.
- Developed a secondary loan purchase portfolio of $120 million in 2023-2024.
- Risk management of the portfolio with a focus on diversification, relationships, and returns.
- Develop relationships within the Farm Credit System and with Commercial Bank partners
Credit Officer, Food & Agribusiness
Farm Credit Mid-America
06.2020 - 11.2021
- Work with sales team, legal counsel, direct customers and participation partners to structure loans that meet the customer’s needs with the association hold limit of $150 million. Assist in managing the 3rd largest customer account in the association with total system exposure of $450 million and syndicate to 8 Farm Credit lenders.
- Develop and maintain a professional presence in the agriculture industry through networking, attending conferences, and direct customer visits.
Credit Analyst, Commercial Agriculture
Farm Credit Mid-America
05.2018 - 05.2020
- Analyzed balance sheets, tax returns, and cash flows for underwriting credit facilities for row crop operations +4,000 acres located in Northern Indiana.
- Servicing and monitoring of covenants, financial reporting, collateral, and action plans for loan portfolio of $195 million with probability of defaults ranging from PD 5 to 11.
- Provided benchmarking feedback with the use of analytical tools to customers based on fixed and variable costs structures, gross revenues, and net margins.
Credit Analyst, Retail Credit Underwriting
Farm Credit Mid-America
04.2016 - 05.2018
- Analyzed operating, term, and real estate loans for Financial Officers within four state territory of Ohio, Indiana, Kentucky, Tennessee. Primarily focused on beef cattle operations within the cow-calf, backgrounding, and dairy steer finishing sectors.
- Prepared credit packages and breakeven analysis to be discussed during customer field visits and make recommendations for future loan requests.
Credit Services Agricultural Underwriter
United Producers, Inc.
09.2014 - 04.2016
- Evaluated loan requests for approval and coordinate with 3 funding partners. Provided support for 6 regional Loan Officers within company territory of Ohio, Michigan, Virginia, Kentucky, Indiana, Illinois, and Missouri. Industry focus on cattle, swine, sheep and grain operations.
- Performed cash management activities including daily disbursements and receipt transactions for wire and ACH processing using NLS loan accounting system
Education
Bachelor of Science - Animal Science, Meat Science
The Ohio State University
Columbus, OH05.2014
Skills
- Credit analysis of origination and large corporate ag accounts
- Risk rating assessments and portfolio management
- Secondary market trading
- Risk to return optimization
Affiliations
- 2024- Present- Member, Ohio Agribusiness Council
- 2024- Present- Co-Chair, Ohio Farm Bureau Cultivating-A-Cure Committee
- 2022- Present- Member & Sponsor, Ohio Harness Horseman Association
- 2022-Present- Member, Ohio Farm Bureau
- 2022-2025- Member & Vice President, Norwalk Jaycees
- 2019-2021 – Member, Women in Agribusiness, Indiana Agribusiness Council, Indiana Farm Bureau
- 2019 - Completed CoBank University Cash Flow Fundamentals Course
- 2018-2019 Planning Committee Member, Midwest Women in Ag Conference, Presenter at 2019 conference.
- 2015-2017 - Completed Omega Commercial Lending Course & Farm Credit University Lending Course
Timeline
Portfolio Manager, Agribusiness & Capital Markets
AgCredit, ACA
11.2021 - Current
Credit Officer, Food & Agribusiness
Farm Credit Mid-America
06.2020 - 11.2021
Credit Analyst, Commercial Agriculture
Farm Credit Mid-America
05.2018 - 05.2020
Credit Analyst, Retail Credit Underwriting
Farm Credit Mid-America
04.2016 - 05.2018
Credit Services Agricultural Underwriter
United Producers, Inc.
09.2014 - 04.2016
Bachelor of Science - Animal Science, Meat Science
The Ohio State University