Ryan M. Johansen

• Serve as a member of the executive leadership team
• Present company financials at quarterly Board of Director and annual membership meetings
• Actively participate in strategic initiatives and operational execution
• Oversee all accounting and finance activities including budgeting, reporting, cash management, leases, and regulatory compliance
• Manage third-party relationships with bankers, lenders, and external auditors
• Direct and analyze annual patronage program to maintain adequate capital levels
• Manage Human Resources and IT departments
• Mentor and develop accounting team and provide training for branch office staff

• Developed and maintained lending relationships with prospective and current borrowers
• Created and implemented marketing plans to build a profitable loan portfolio
• Negotiated terms and conditions for operating and real estate loans to mitigate risks
• Demonstrated strong financial ratio analysis skills
• Interpreted and communicated lending policies and provided guidance
• Participated actively on loan committees and approved loans within delegated authority
• Managed branch operations and loan administrative staff

• Oversaw all general ledger and cash management activities
• Prepared monthly board reports including financial statements, variance analysis, and progress reports
• Prepared quarterly and annual stockholder reports
• Assisted with preparation of annual business plan and operating budget
• Ensured accuracy of general ledger accounts and settled note reconciliations
• Served as liaison for internal and external fiscal auditors
• Ensured compliance with internal control policies and procedures
• Managed accounting and operations staff

• Led month-end close processes for three divisions
• Reconciled, analyzed, and reviewed general ledger accounts
• Prepared monthly financial statements and journal entries
• Examined accounting classifications per GAAP
• Completed borrowing base report sections for lenders
• Ensured timely financial reporting and documentation for external audits
• Supervised staff accountants

• Supervised auditors investigating corporate franchise tax office and field audits
• Conducted interviews with company representatives
• Participated in research committee for legislative changes and updated tax forms accordingly
• Represented Auditing Division in appeals process
• Drafted performance reviews and evaluations for auditing staff