Independent Banker - June 2020 - 42

LENDING /// continued
a Small Business Express Loan that streamlines the
underwriting and decision-making process. This program
will allow small businesses to access capital more quickly
and at the same time provide efficiencies that will allow the
bank to increase this type of lending.
Joseph Lutter, 33
Loan officer
Heartland State Bank /// Redfield, S.D.
/// Joseph Lutter is known for being the first
person to volunteer to lead bank projects. He
takes the initiative to research new products
and processes to better serve customers,
and he's a strong advocate of community
banking. Lutter volunteers his time on many
local boards and is an active member of the
Emerging Leaders group of the South Dakota
Bankers Association.
FRASER: Continue building personal relationships. Unlike
big banks and other lending options, we are still involved in
the community. We build personal relationships by visiting
at the ball games, attending church together and socializing
at community events. These personal relationships allow
us to better understand our customer's needs.
SMITH: Our bank is positioned to leverage government
guarantees to expand lending in our unique target market,
which is Indian Country. (Ninety-five percent of the
customer base is made up of tribes and native business
customers.) In addition to the SBA and USDA guarantees
that a lot of banks are familiar with, there are guarantees
provided by the Bureau of Indian Affairs, as well as HUD
for tribal housing that we utilize to enhance the credit of
our loans. By being able to leverage guarantees and have
only the unguaranteed portion fall to be tested against our
Patrick " Jeremy " Pletnikoff, 39
Senior vice president and commercial and
consumer loan manager
Mt. McKinley Bank /// Fairbanks, Alaska
Caroline Garner, 26
Loan officer
United Mississippi Bank /// Woodville, Miss.
/// As a member of Mt. McKinley Bank's asset
liability committee, Jeremy Pletnikoff plays
a key role in setting interest rates, analyzing
interest rate risk and cash flows, and
considering new investment opportunities.
He has spent the past 19 years in the banking
industry, all in the state of Alaska. Recently
promoted to his current position, he is excited
to continue the tradition of Mt. McKinley Bank
serving its community.
42 Q ICBA Independent Banker Q June 2020
/// Caroline Garner knows firsthand how
important small businesses are to the survival
of a community. She and her family own a
small business, and she's also a member of
Main Street Association program in Woodville,
Miss. Garner recently became an agricultural
lender and took the initiative to seek out the
training and resources that would position
United Mississippi Bank as a tough competitor
in its field.

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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Independent Banker - June 2020 - Cover3
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