Kim M. Ledger

Work History

Community Programs Director

USDA- Rural Development

04.2024 - Current

Leader of the Iowa Community Program team, the program's mission for each year, and key priorities identified by the administration. We have 11 offices across Iowa for Rural Development.
Managed (20 staff members) located around the state.
HR duties include onboarding, mentoring, quarterly performance reviews, and training.
Manage pipeline, approval, and underwriting of WEP (Water and Wastewater) and CF (Community Facilities) loans, ranging from 1M to 42M in size. We use commercial underwriting standards for our review purposes.
Ensured that procedures and regulations are met on applications, underwriting, and loan servicing for the Iowa Portfolio.
Lead team meetings in person and virtually, including coordination, preparation, PowerPoint presentations, and public speaking at the meetings.
Outreach, including conferences, speaking at conferences to promote the Rural Development programs and booth exhibitions.
Thorough understanding and interpretation of Rural Development-Community Program regulations for Community Facilities, Water and Wastewater programs, Guaranteed loans, and Servicing regulations.
Commercial processing, underwriting, and funding. Preparation for the Senior loan committee (Loans over 25M). The types of properties we work with include non-profit and Public Bodies. Examples include hospitals, nursing homes, Fire stations, City Halls, and Water and Wastewater facilities.
Responsible for the CF & WEP portfolio, collections, and servicing for delinquent or stressed accounts, including workout agreements, re-amortizations, and counseling for borrowers (for example, nursing homes, colleges, hospitals, and daycare centers).

Community Programs Specialist

USDA- Rural Development

06.2021 - 04.2024

Review grant and loan applications for eligibility, regulations, policies, procedures, security, and repayment ability. Reviews processing files for completeness and underwriting for accuracy.
Responsible for developing, managing, coordinating, and administering loan and grant program portfolios for community facilities (CF).
Coordinates activities of team projects to ensure timely submittals and helps to meet deadlines.
Provides comprehensive review and in-depth credit data analysis to determine creditworthiness for applications.
Participates or leads in all CF and WEP loan committees.
Involved with the following Agency Programs: Guaranteed loans, Direct loans, grants, Emergency Rural Health Care Grants, RCDI (Rural Community Development Grant), and TAT (Technical Assistance Grant).
Worked with OGC (General Council) and area offices on loan closing instructions and post-closing reviews.
In fiscal year 2023, processed, reviewed, and oversaw $128M in community facilities (CF) loans and grants for 56 projects.
Review CF bids and provide bid award approval to the Area Offices.
Communicates policy updates and training in community program laws and regulations.
Participates in the development of team training and team meetings.
Leads training at the State office and via Teams on an ongoing basis.
Provides annual training on RD Key Priorities.
Reviews regulations, guides, training tools, and other resources to assist the area offices in finding solutions to their questions as they arise.
Leadership of TAT, RCDI, and Emergency Rural Health Care Grant programs, including outreach, administration, and processing applications.
Helps maintain the Iowa SharePoint site, which includes current interest rates, Iowa Guides, samples, and training Tools.
Program Administration/Project Management for the CF team.
Conducts evaluations of statewide performance to determine the effectiveness of the Community and/or Business Programs and services provided.
Has a solid understanding of RD- Iowa, including knowledge of Housing, Business Programs, and Community Programs.
Conducted marketing and outreach for Community Programs (CP) and Rural Development.
Complete CF project announcements in CATS/ECF.
Proficient in oral and written communication via teams, emails, and in-person.
Participates in CF monthly calls with the National Office.
Serves as a mentor to teammates.
Worked with the area offices, finance office, OGC, and national office on servicing actions, loan workouts, and delinquencies.
Processes of servicing requests from the area offices.
Reviews audits for borrowers with more than $1 million in Agency indebtedness.

Agent/Financial Advisor

New York Life Insurance Company

Fairfield, IA

03.2020 - 06.2021

Managed a portfolio.
Life insurance, annuities, long-term care, sales.
Life and Health License in Iowa.
Registered Representative, investing and mutual funds.
Financial advisor, estate planning, investment representative.
Manage and operate as an independent business owner under the New York Life team.
Salesforce CRM software was used daily to manage clients and sales leads.
Work with complex financial situations.
Marketing and outreach.
Planning, developing, and implementing goals, along with communicating the goals to office staff.
Program Administration and Project Management.
Obtained my SIE and Series 6 & 63 securities license (needs to be updated).
Obtained my Life and Health insurance license.

Loan Officer

Guild Mortgage Inc.

Fairfield, IA

04.2019 - 04.2020

Built and managed a portfolio of 45 M.
Loan originations, sales, marketing, underwriting, lending, approvals, collection of verifications, and closings.
All loans were Secondary market originations.
Managed satellite office and worked closely with a remote processing team daily.
Worked with local realtors and attorneys to provide clients with a seamless and positive experience.
Salesforce CRM Software was used daily to manage leads and goals.
Marketing and outreach.
Experience in housing, USDA loans, government programs, Fannie Mae, and Freddie Mac.

Consumer Lending Officer/Country Home Loan Officer/CHL Interim Leader/CHL Senior Sales Coach

Farm Credit Services of America

Mt. Pleasant, IA

02.2004 - 02.2019

Company Overview: Southeast Iowa Region
Mortgage/consumer, agriculture, and commercial lending, underwriting, financial inputs of balance sheets, and credit review with customers.
Managed and built a portfolio of over $ 60 M.
Develop strong key influences over a dedicated market area that includes 17 counties in southeast Iowa.
Knowledge of complex mortgage or commercial loan making/servicing and credit principles and practices.
Developed and implemented guidelines with underwriting for large and complex credits.
Ordered appraisals and completed in-house appraisals.
Managed portfolio and ongoing communication with customers.
Train, coach, and mentor new teammates through peer mentoring.
Monitoring construction loans.
Developed the Country Home Loan Officer training guidelines with an ODL workgroup.
Provided Peer Review workgroup leadership and Peer Review Implementation.
Southeast Iowa Region

Senior Country Home Loan Officer

Farm Credit Services of America

01.2009 - 01.2014

One-on-one mentoring, training, and sales coaching for new and existing officers.
Direct training of loan officers and specialists.
Hiring, interviewing of loan officers & supervision of Loan officers.
Contribute to defining the vision and goals for the Country Home Loan Team.
Attend strategic meetings with the Country Home Loan Leadership Team and provide leadership to the team.
Effectively utilize time management skills for multiple job roles.
Planning and leading team meetings.
Supervision of the Iowa team of 8.

Country Home Loan Interim Leader

Farm Credit Services of America

01.2008 - 01.2009

Conducted employee reviews and one-on-one sessions for the Country Home Loan Team throughout the four states.
Hired and trained new teammates, along with supervision and reviews.
Created business plans.
Budget planning.
Growth of over 10% in the year I was in the interim Leadership role.
Facilitated team meetings.
Interacted and built relationships with other Association Teams: Operations, Underwriting, Finance, Quality Control. Credit Review and Internal Audit.
Managed up to 23 direct reports at one time in sales/lending roles.
Leadership and management of a large team in over four states and a processing center in Omaha, NE.

Additional Duties and Workgroup Experience

Farm Credit Services of America

Peer Review workgroup.
Competitive Intelligence workgroup.
Team Lead- AgriLytic software conversion workgroup.
Team Lead - E360 software implementation workgroup, pilot, and training.
Farm Credit Mid-America start-up team.
Construction processing, workgroup, and training.
ODL Training guidelines workgroup.
PSS 1, 2 and train the coach (Leadership training).
Human resources: Payroll, annual reviews, and pay increase evaluation for staff.

Assistant Vice President-Real Estate, Consumer, Agriculture, and Commercial, Lending

Libertyville Savings Bank

Fairfield, IA

02.1996 - 02.2004

Responsible for commercial, agricultural, consumer, and real estate lending originations and portfolio management.
Underwriting of loans, a loan committee member.
Worked with complex credits, commercial, agriculture, and mortgage lending on larger credits.
Responsible for the marketing, selling, underwriting, processing, closing, and collection of own loan portfolio.
Managed and implemented marketing efforts for the bank’s image and yearly marketing plan.
Supervision and management of Customer service staff of 12; training, hiring, and ongoing leadership.
Prepared marketing budget for board review quarterly.
Implemented and launched online banking products.
Implemented and managed the bank employees’ Simple IRA Plan.
Managed and opened new accounts and retirement accounts.
Managed and served my portfolio.
Ordered appraisals and completed in-house appraisals.
Worked on past due and foreclosure loans (Collections).

Overview

Work History

Community Programs Director

Community Programs Specialist

Agent/Financial Advisor

Loan Officer

Consumer Lending Officer/Country Home Loan Officer/CHL Interim Leader/CHL Senior Sales Coach

Senior Country Home Loan Officer

Country Home Loan Interim Leader

Additional Duties and Workgroup Experience

Assistant Vice President-Real Estate, Consumer, Agriculture, and Commercial, Lending

Timeline

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