Commercial Farm & Ranch Loan Experts

Bob Larson, President, Janus Mortgage, Inc.

35 Years Experience In Agricultural Finance and Operations

Janus Mortgage, Inc 2000-present
Founder and president of a residential, commercial, and agricultural mortgage company. Works primarily with large agricultural operations as a lender and management consultant.

Larson Family Farms 1968-present
Owner and operator of farms located in North Dakota, Colorado, and Nebraska. Raised cattle, hogs, corn, wheat, sunflowers, alfalfa and a variety of other crops. Operated feedlots up to 25000 head capacity and farmed up to thirty quarters of irrigated land. Currently owns irrigated farm near Albion, NE.

MoneyMax Mortgage, Inc 1992-2000
Co founder and partner in a residential mortgage company located in Denver, CO which originated loans in Colorado and surrounding states, with loan volume exceeding $40 million yearly. Sold interest in this company to partner in 2000.

Amex Insurance 1988-1990
Insurance agent with American Express, specializing in long term care and medical supplement insurance.

Colorado Aircraft Sales 1966-1988
Owner of aircraft brokerage company, chief pilot and sales agent for this company which sold general aviation aircraft worldwide. Began flying career in North Dakota in 1966, fully rated instrument, multi and single engine aircraft.

MCFA, Inc 1984-1986
Consultant to farms and ranches in need of financial reorganization. Responsible for debt consolidation, restructure of farm loans for farm operations, and structured work out plans.

Larson Agri Beef 1968-1990
Owner of large farm and cattle operation located in North Dakota. Experienced in irrigated and dry land farming, custom combining, feedlots, and confined hog facilities.

First Western Bank 1966-1968
Agricultural loan officer

Governor William L Guy 1968
Campaign manager fund raising for the successful re-election campaign of William L Guy as Governor of North Dakota. Worked with political organizations and individuals to orchestrate this successful campaign, including meetings with Robert Kennedy, Hubert Humphrey, and other political leaders of the Democratic party to coordinate governorship campaign with presidential campaigns in the 1968 elections.

EDUCATION
Stanford University 1962-1968
Obtained degrees in Economics and American History while simultaneously operating the family farm. Completed Honors Program in Economics at Stanford University specializing in agricultural management.

AFFILIATIONS
Member of Rotary International 1970-76; 2000-present
Colorado Mortgage Lenders Association 2002-present
Colorado Association of Mortgage Brokers 1996-2000
Better Business Bureau 2003-present
Cherry Creek Chorale 1990-present

During the past twenty years Bob has developed personal relationships with underwriters at Farmer Mac, the major national financial institutions, insurance companies and regional commercial banks and farm lenders throughout the country. He knows which investors are the best for your loan. He knows how to present you and your operation in the best light and is experienced at moving your application through the underwriting process quickly and efficiently.

Bob works closely with you and your appraiser and gives you the attention that you need to make the loan that you want.

Meg Law, Associate Ag Loan Officer

• Seven years experience in Hobby Farm and Rural Home Lending
• Strong background in analysis of agricultural and residential appraisals
• 12 years experience in loan processing and underwriting
• Licensed Colorado Realtor
• Graduate University of Denver, BSBA in Small Business

Meg has been working with Farmer Mac Loans for years. The underwriting and appraisal requirements are unique and complex. With Meg, you are assured of her thorough knowledge of Farmer Mac underwriting and familiarity and understanding of the appraisal requirements. She is a pro at attending to the details of a loan package, which are critical for loan approval.

Dale M. Johnson, Senior Agricultural Loan Officer

Four years experience Commercial and Agriculture Lending Certified Public Accountant for over sixteen years.

Janus Mortgage, Inc 2009-present With his extensive knowledge of agricultural accounting Dale is an expert at analyzing complicated and multiple entity tax returns.

In addition to his work as an ag loan officer for Janus, Dale provides consulting services for agricultural companies regarding financial statement preparation, tax planning and business opportunity analysis.

Dale spent eight years as a Controller for a large row crop farming company. Prior to this he spent seven years with large public accounting firms specializing in agriculture taxation and audits.

EDUCATION

University of South Florida, CPA
University of Central Florida, Bachelor of Science
Sheridan College Wyoming, Associates of Science

AFFILIATIONS

• Member of Rotary International
• Member of Arcadia Elks Lodge
• Member of Arcadia Moose Lodge
• Member of the Florida Institute of Certified Public Accountants Member of the American Institute of Certified Public Accountants

Dale works in our Florida office where he combines hands on ownership experience and knowledge of large agricultural operations with extensive education and expertise as a CPA.

Norm Peterson, Associate Ag Loan Officer

Peterson & Sons Holding Company (Overland Park, KS), 1988-present
President of a family owned corporation involved in financial consulting and investing, primarily in the agriculture industry. Worked primarily with large agricultural operations with credit problems. Assisting with work-out plans and other financial solutions.

Empire Energy Corporation, 2002-2004
President & Chief Financial Officer for Empire Energy Corporation, a publicly traded company in the Oil and Gas business.

Owen & Associates LLC, 1988-2002
Partner in Mortgage Banking Firm taking several firms public, doing reverse mergers for the Hereford Associations, You Bet, and Empire Energy, Inc.

Advanced Financial, Inc. (Shawnee, KS), 1988
President & CEO of Advanced Financial, Inc. a public company trading on the American Stock Exchange. It is the parent company of AFI Mortgage, Corp.

AFI Mortgage Corp. (Shawnee, KS), 1984-1988
Chairman & CEO of a full service mortgage banking company with 105 employees nationwide.

Haxtun Community Bank (Haxtun Co) 1980-1984
Chairman & CEO and majority owner of rural agricultural bank

Platte Valley Bank & Trust (Kearney, Nebr.) 1975-1980
Chairman & CEO and majority owner of $500,000,000 rural agricultural bank

Kellogg Savings Bank (Kellogg Iowa) 1973-1977
Chairman, Vice Pres. Senior Loan officer Rural agricultural bank

Lincoln Production Credit Association (Lincoln, NE), 1963-1973
Vice President from 1969 to 1980.
Responsible for loans totaling in excess of 50 million dollars.

Branch Manager, York, Nebraska, 1963-1969.
Responsible for 10 million dollars in agricultural loans. Achieved National Field Office Manager of the Year award for fastest growing office in the nation.

EDUCATION

Bethel College (St. Paul, Minnesota)
Double Major: Business Administration & Speech

AFFILIATIONS

• Chairman of the Board for Advanced Financial Inc.
• Board of Directors for AFI Mortgage Corp.
• Hillcrest Covenant Church, Prairie Village, KS - Deacon of Personnel
• University of Nebraska Directors Club
• Nebraska Bankers Association
• American Bankers Association
  

HONORS

• Listed in "Who's Who in American Business" 1993-1994
• Selected to represent the United States Government in Agricultural Finance Fact Finding Mission in Russia in 1970.

Norm heads up our Kansas City office, but does ag lending nationwide. He brings a bankers perspective to our team. His extensive experience with large lending corporations gives Norm the ability to anticipate questions an investor will raise about the risk of any loan, and he will address those questions up front.

Kathleen Zarrell

Senior Ag Loan Consultant Janus Mortgage Inc 2008-Present

Employment

2004-2007 Sage Commercial Capital, Inc. Valencia, CA
President & Founder—Residential and Commercial Real Estate Lending
Lead producer generating new loan business throughout California specializing in A and Alt-A Paper,
Investment and commercial properties, land and private money.

2002-2004 Smith Barney/Citigroup Global Markets, Inc. Pasadena, CA
Financial Advisor—Series 7, 63 & 65
Financial Advisor responsible for advising over 200 clients and their individual investment portfolios including stock issues, IPO’s, bonds, annuities and privately managed money. Co-managed over $85 million in assets and money under management. Lead in business development through education, money management seminars and training programs.

1995-Present Maverick Capital Corp. Seattle, WA
President & Founder--Commercial Real Estate Brokerage
Lead producer facilitating over $75 million in sales. As an entrepreneur, my success has been predicated on the success of my client’s investments. By being diligent, leveraging long-term client relationships, networking with other professionals, and thinking creatively during negotiations, I have consistently achieved strategic investment objectives; from inception to completion. Ultimately turning undiscovered opportunities into new business results.

• Initiated 5 large, commercial urban redevelopment projects each under separate ownership with land values in excess of $10 million; producing real estate projects with values in excess of $20 million.
• Located property and negotiated 8 hospitality sales transactions with high net-worth individuals and senior level executives of major real estate holding companies. Land values exceeded $5 million per transaction. Consulting services retained by national hotel chains including: Marriott, Hilton, and Starwood Hotels and Resorts.
• Developed new business opportunities through written proposals and presentations to C-level executives while overseeing the interests of banks, REIT’s, business owners, national retailers, real estate developers and affluent, private individuals.
  
  

1993-1995 Seattle Pacific Realty, Inc. Seattle, WA
Sales Manager--Commercial Retail Division
Recruited to prospect for new business and manage ongoing client relationships, I quickly established credibility while managing difficult clients in challenging conditions. Proven ability to relate well with others in a variety of work environments.

• Negotiated commercial lease agreements and opened 41 retail stores. Aggregate lease value exceeded $22 million.
• Performed site selection services for retailers including market and competitor analyses, demographic research, market forecasting and lease agreement negotiations.
• Retained by brand-name retail clients including: McDonald’s, Kinko’s, Super Crown Books, Play It Again Sports, Computer Renaissance, Once Upon A Child, Color Tile, Krause’s Sofa Factory, National Book Warehouse, Catherine’s Stores, The Melting Pot, and U.S. Bank.

1992-1993 Management Advisory Services, Inc. Seattle, WA
Sales Manager--National Bank Market
Developed successful national sales and marketing campaign for professional services. Prospected for new business and sold professional training programs, consulting services and bank management software to the Nation’s largest banks.

• Increased division sales 240% through cold calling, lead generation and relationship management. Responsible for hiring and overseeing an advertising agency; created sales collaterals and marketing materials.
• Developed a consultative sales program, that was adopted division-wide using ACT! Software and trade association databases. Attended industry trade shows and initiated new business opportunities through networking and lead generation follow-up. Trained and managed junior account executives.

Education

1989 California Polytechnic State University San Luis Obispo, CA
MBA - Sales and Marketing
Graduated top 20% of class. Collaborated on brand development and designed comprehensive strategic marketing campaign for Woodbridge Wineries. Selected as a member of the University’s Marketing Team; competed in the National Agri-Marketing Association’s (NAMA) National finals.

1987 Kansas State University Manhattan, KS
MS - Physiology
Wrote and published Master’s Thesis and research articles in professional trade journals.
1985 California Polytechnic State University San Luis Obispo, CA

BS - Agri-Business and Animal Science
Honors Graduate; top 10% of class. Multiple scholarships awarded.

Professional Certification

Licensed Commercial Real Estate Broker, State of Washington 1995 – Present.
Competent Toastmaster (CTM) Designation, Toastmasters International member 1992-1996. Toastmasters International clubs provide professional public speaking, presentation, leadership, and communication skills development.

Brady Ross, Senior Commercial Loan Consultant

EXPERIENCE AND QUALIFICATIONS

Accounting: Experience in providing and supervising full bookkeeping and accounting services including general ledger, accounts receivable, accounts payable, inventory management, purchase orders and invoicing as well as preparation of financial statements and regular tax reports.

Presentation Development: Developed banking relationship proposals for prospective clients explaining features and benefits of banking with my company, costs pertaining to products and services identified as needs, and, outlined other resources available to assist the client with their banking needs. Have extensive experience in preparing detailed Credit Analysis Presentations to summarize and analyze potential borrower’s background, current and historical financial performance, projected financial capacity, industry trends, collateral considerations and the key risks and mitigating factors associated with doing business with the client. Created, developed and self-published a summary guide for individuals preparing to make a loan request to a Bank and titled it “Loan Prep”.

Accountability and Self-Direction: Experience preparing and presenting to property ownership representatives, stock holders and board’s of directors outlining results of operations, current market conditions and projections. Actively developed forms, procedures, checklists and other tools to help track information and assimilate into a presentable format.

Training and Consulting: Organized and instructed in various company operations and sales training meetings. Provided one-on-one and group training to on-site employees and colleagues. Provided business consulting services to small, start-up businesses in setting up computerized accounting systems, business plan preparation, investment proposals, financing alternatives and structure, raising capital, analyzing operations and making recommendations.

Management: Managed three, full-service, Wells Fargo Bank stores in SE South Dakota with three lines of business each including personal banking, agriculture and business banking. Responsibilities include sales management, credit quality management, financial analysis, compliance management, training and customer service. Also, previously managed several commercial office projects and a 725 acre business park association including up to 30 staff personnel and sub-contractor services. Developed skills in budgeting, forecasting, financial analysis, sales management, people management.

Banking: Banking management and lending experience in commercial small business, agriculture, real estate and personal loans including detailed analysis of tax returns, financial statements, management strengths/weaknesses, credit and cashflow analysis and on-site collateral inspections. Understand banking products and services available to businesses that will enhance cashflow, provide flexibility, minimize costs and maximize deposit earnings.

Business Development: Extensive experience calling upon business owners and corporate executives in prospecting settings to develop relationships and sell products and services. Have successfully, marketed banking products and services and office space for lease.

Other: Four years of experience as a member of the Ignacio School District Board of Directors in Ignacio, CO. Two years experience serving on Chamber of Commerce Board in Beresford, SD. Two years experience as Ex-Officio Member of the Beresford Economic Development Council. Have served in Church leadership capacities including, Bishop, Counselor in Bishopric, Elders Quorum President, High Priest Group Leader, Young Men’s President, Stake High Council.


EMPLOYERS & CONTRACT COMPANIES

RosKen, LLC
Manager Member Meeker, CO 10/08-Present
• Providing accounting, business consulting and finance services

First National Bank of the Rockies
Loan Officer / Assistant Manager Meeker, CO 4/05-10/08
• Worked as a Loan Officer managing a mixed portfolio of agricultural, small business and consumer loans with a large percentage in watch status.
• Had responsibility to analyze problem loan customer financial status and ability to make loan payments, determine course of action to either help borrowers get their income back to acceptable repayment ability status or exit the Bank.
• Assisted in management of the Meeker, CO branch

Wells Fargo Bank
Community Banking President Beresford, SD 1/02-2/05
Business Banker Casper, WY 5/00-1/02
Business Banker Ignacio, CO 12/95-5/00
• Managed three, full-service stores with sixteen employees in SE South Dakota with three lines of business including business banking, ag banking and personal banking.
• Our market achieved 104% of personal banking unit sales and 111% of profit goals in 2004.
• Achieved 20% to 40% growth in my business banking portfolio each year from 1995 through 2001 including over $14 million in new loan growth while in the Casper, WY market.
• Received Sales Star Award for 4th Quarter 2000


Federal Land Bank Durango, CO 3/95-12/95
• Worked as a Loan Officer soliciting new real estate loan business until recruited by Norwest Bank, now known as Wells Fargo.

Grubb & Ellis Property Mngmnt Services
Salt Lake City, UT 2/88-10/89
Ownership Interests Served
First Security Bank, Security Pacific Bank, Travelers Insurance Co.,
Salt Lake Int’l Center Assn, Adnan Kashogi Bankruptcy Receivership
• Successfully managed ten commercial office and industrial projects and a 725 acre business park association including staff personnel and sub-contractor services, simultaneously.

Equitec Properties Company 83-84, 86-87
Markets Worked In Denver, CO
Regional Director Houston, TX
Property Manager Memphis, TN
Leasing Agent Atlanta, GA
• Oversaw property management and leasing services for in excess of 800,000 sq. ft. of commercial office building properties located in Houston, Austin, Phoenix and Las Vegas.
• Achieved Top Producer status in Tenant Retention in 1986

Other
Obtained insurance, securities and real estate licenses in 1981 and sold real estate and insurance, and provided consulting and bookkeeping services in between property management assignments and other contract work up until 1995 when I began a career in banking. Much of this contract work was with family businesses.

EDUCATION

• Graduate of Fort Lewis College in Durango, CO with a B.A. in Business Administration, April 1982.
• Graduate of Norwest(Wells Fargo) College of Commercial Credit, March 1998
• Real Estate, Insurance, Series 6, 63 and 7 Securities Licensing in State of Colorado. Not currently licensed.
• Advanced Leadership Seminar, August 2003
• Wells Fargo Sales Management Seminar, September 2004
• Various management, marketing, credit and cash flow analysis seminars.