Independent Banker - June 2020 - 41

of larger transactions because of our niche market working
with Native American tribes. Like any other bank, we have
to have certain personnel on hand related to compliance
and other essential functions. We don't have the luxury
of being able to staff up with someone who does one
particular thing or focuses on one industry full time. Our
people take on multiple jobs or wear multiple hats.
Q:
Where do you see the biggest opportunities for
growing lending at your bank?
VICKNAIR: One of the biggest opportunities we have is
our USDA and SBA lending segment. Historically, we
originated a mix of loans, and we will continue to do so.
But those small business loans are the bread and butter of
banking, and we want to get more heavily involved in them.
HAYES: Commercial lending, specifically to small businesses.
The markets in which we operate are rural and made
up mostly of small businesses. This provides the bank
with a tremendous opportunity to expand our lending
opportunities to small businesses. Recently, we introduced
Justin R. Proctor, 33
Executive vice president and director
of lending
Bath State Bank /// Bath, Ind.
/// Proctor spent eight years working in
public accounting before joining Bath
State Bank in 2018. He has spearheaded
several initiatives, including redesigning
the community bank's delinquency
tracking and loan grading processes
and leading a branching project that
culminated in a May 2020 opening.
My role model
HARRY HAYES,
CLEAR
MOUNTAIN BANK
Harry Hayes, 36
Vice president, mortgage origination
Clear Mountain Bank
/// Bruceton Mills, W.Va.
/// Harry Hayes leads a team of
seven mortgage originators and is
the only lender in West Virginia to
hold the Certified Mortgage Banker
designation. He has enhanced
Clear Mountain Bank's digital
presence, implemented a new
mortgage operating system and
led a branding campaign for the
mortgage team.
My dad. I cannot
describe all that
he has taught me.
He is the hardest
working person
I have ever met,
treats all people
with kindness
and respect, and
has taught me so
much about being
a great leader.
Chris Jundt, 35
Senior vice president and chief
lending officer
First State Bank & Trust /// Williston, N.D.
/// Chris Jundt has earned a reputation at
First State Bank & Trust for his unstoppable
" will-do " attitude. He serves on the
community bank's technology committee
and understands the importance of
blending tech and service. As a member
of the board, he was an integral part of the
bank's 2019 conversion from a national to
a state charter.
independentbanker.org Q 41

http://www.independentbanker.org

Independent Banker - June 2020

Table of Contents for the Digital Edition of Independent Banker - June 2020

Table of Contents
Independent Banker - June 2020 - Intro
Independent Banker - June 2020 - Cover1
Independent Banker - June 2020 - Cover2
Independent Banker - June 2020 - Table of Contents
Independent Banker - June 2020 - 2
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