Profile Offers extensive experience leading all aspects of banking and financial services, encompassing operations, lending, investment/loan portfolio management, compliance, and auditing. Excels in preparing, administering, and monitoring comprehensive line item budgets in support of business growth and profitability. Highly proficient in creating detailed Excel spreadsheets as well as accurate call report schedules. Core Duties * Directed day-to-day bank operations, lending, general ledger, IT/cyber-security, and investing activities, coordinating multiple concurrent projects as needed. * Designed strategies to drive loan growth, enhance asset quality, and minimize delinquencies. Developed investment strategies for liquidity, asset/liability management, interest rate risk management, and earnings improvement. * Proposed, drafted, and implemented bank policies and procedures aligned with Board direction reported monthly on financial, investment, and loan summaries. * Adhered to GAAP and SAP regarding daily cash management, depreciation schedules, overnight funding, external lines of credit, and establishment of loan and deposit interest rates. * Took applications/financial statements, handled underwriting, made credit decisions, prepared loan documents, and closed loans (predominantly agricultural, commercial, agricultural real estate, and commercial real estate, including all participation loans). * Managed, reviewed, and communicated with vendors identified performance deficiencies, recommended corrective action to the Board, and followed up with vendors on resolution. * Handled human resources, including payroll, benefits, recordkeeping, reporting, and discipline, for as many as 16 bank employees trained, supervised, and mentored personnel. * Formalized written correspondence to customers, vendors, staff, directors, auditors, and regulatory agencies. Career Highlights The Atlanta National Bank, Atlanta & McLean, IL Chief Executive Officer, Executive Vice President, Financial Officer 2014 to 2017 * Expanded the loan portfolio by more than $3.5M and increased the loan-to-deposit ratio by 6-8% (from 29% to 35-37%). * Initiated and maintained working relationships with the City of Atlanta, The Atlanta Betterment Fund, The Atlanta Planning Commission, and the Atlanta Economic Development Commission. * Collaborated with the abovementioned entities to acquire 15 acres of land for future commercial and residential development, as well as to acquire property for the City's new town hall. * Recommended, to the abovementioned entities, a builder for a six-unit senior residential housing complex for rent or for sale under a condominium association, with phase one focused on developing infrastructure to access the property and phases two and three to be executed successively the next two subsequent years. * Worked with the City's developer, the Chairman of the Atlanta Economic Development Commission, and the prospective builder to apply for an alternative housing program (AHP) grant from the Federal Home Loan Bank of Chicago for the first of three phases of six units of senior residential housing in the new 15-acre development. Continues Craig M. Horsch Page Two, Home: (309) 475-9581, Cell: (217) 377-3949, cmhorsch@gmail.com Dewey Bank (formerly Dewey State Bank), Dewey & Saybrook, IL Senior Vice President, Loan Officer, Security Officer, Investment Officer 1997 to 2014 * Opened a new branch in Saybrook, IL, purchasing only the facility assets in 1997. Grew the branch from $0 to $3.5M in deposits and $2M+ in loans in the first 12 months-by year two, loans exceeded deposits. * Planned and led two data processing conversions (1999 and 2006), which included VoIP, data communications, and networking over two radio frequency towers, for communications between two locations and fiber optic cabling to the bank's ATM. * Played a key role in coordinating and monitoring construction of the bank's new main banking facility in Dewey, IL in 2009 and 2010, which entailed significant regulatory correspondence negotiated the sale and closing of the bank's previous main banking facility. * Reduced data communications, telephone, and networking costs between the two locations, in two different area codes, enabling the capital improvements to be paid off within 18 months. * Negotiated a capital injection and improvement plan, as well as an option to purchase the remaining shares, with a new bank stockholder in 2001-the stockholder ultimately exercised the option and purchased the remaining shares of the bank in 2005. * Managed loan and investment portfolios up to $13M and $15M, respectively. Expanded overall bank loan portfolio by $5M+, which substantially improved earnings over a 1.0% ROA. Citizens State Bank of Cropsey (now Fairbury-Cropsey Community Bank), Cropsey & Fairbury, IL Vice President, Loan Officer, Compliance Officer Prior to 1997 * Spearheaded the planning, design, construction, and opening of a new bank branch in Fairbury, IL prepared and submitted necessary pro forma financial statements to regulatory agencies as well as approved and paid disbursements, including all fixed assets. * Trained all new branch and back room operations personnel, none of whom had any banking experience-half of those trained advanced to supervisory roles at other institutions. * Doubled bank assets within two years of opening the Fairbury branch. * Organized and implemented a data processing conversion. * Coordinated engagements/examinations and assimilated all requested information for external auditors and regulatory agencies for their respective audit scopes/examinations.

Highlights:

• Applications
• Asynchronous Transfer Mode (ATM)
• Audit
• Banking Industry
• Benefits
• Budgeting
• Business Development
• Cabling
• Capital Planning
• Cash Management
• management
• manager
• Multi-Branch Leadership
• Strategic Planning
• Profit/Loss Responsibility
• Asset/Liability/Risk Management
• Agricultural/Commercial/Real Estate Lending
• Loan Underwriting/Review
• Interest Rate Management/Pricing
• Customer Service
• Vendor Analysis/Management
• GAAP/SAP
• General Ledger
• Data Processing
• Federal/State Laws & Regulations
• Finance
• Insurance
• IT/Cyber-security
• Compliance
• Loan/Investment Portfolio Management
• Human Resource Management
• Financial/Cash Flow Analysis & Underwriting
• Professional Written Correspondence
• Microsoft Office Suite (Word, Excel, Outlook, Access, Power Point, Publisher)