1. KENNETH TODD THRENN
3535 East Cook Street
Springfield, IL 62703
217-220-0932
kthrenn@yahoo.com (preferred contact method)
A Lending and Credit Manager with over fifteen (15) years experience. Background
includes Agricultural, Commercial, Construction, Real Estate and Consumer Lending
with extensive experience in credit analysis and compliance as well as the development
of policies and procedures pertaining to lending functions. Experience includes ten (10)
years of troubled asset management as well as the ability to analyze and restructure
problem credits in order to minimize loss exposure to the institution.
SUMMARY OF EXPERIENCE
Parkway Motors May 2014 – Current
Springfield, IL
Sales Associate / Assistant Finance Manager
Sales associate for an independent car dealership with duties to consult clientele by
offering honest and knowledgeable description of our inventory, preparation of
documents required to properly complete the sale. Assistant Finance Manager with
duties to run credit checks on potential finance customers, working with multiple banks
and credit unions through Dealertrack software to obtain approvals and counteroffers and
closing the loans in-house. Proper documentation is ensured to achieve funding.
Butte State Bank June 2013 – March 2014
Butte, NE
Commercial Loan Officer / Vice President
Loan officer for a small community bank with duties to manage and develop a portfolio
in a rural and underserved area of Nebraska with a majority of our consumers being of
Native American decent with duties to include credit analysis, lending, farm inspection,
consumer and commercial lending, floor plan inspection, loan documentation and
closing. Due to an illness in our immediate family requiring personal attention, the
decision was made to relocate back to Illinois.
Simmons First National Bank / Excel Bank August 2010 – June 2013
Sedalia, MO
Senior Credit Analyst / Commercial Loan Officer II / Vice President
Commercial Loan Officer and Senior Credit Analyst charged with setup of a credit
analysis procedure using a self-designed analysis spreadsheet and updating policies and
procedures of the loan department while maintaining a $34 million loan portfolio.
Responsible for generating and closing commercial, residential and consumer loans with
duties to include interviewing loan applicants, completing loan documentation, and
communicating the business decision regarding acceptance or denial to applicants while
following all current regulations. Flood Committee Chairman, Executive Loan

2. Committee member, Audit Committee member and Overdraft Committee member.
Extremely knowledgeable in identification and remediation of troubled credits and
common compliance oversights. Excel Bank was closed on October 20, 2012 and
purchased by Simmons First National Bank. Assist in the transition from Excel Bank to
Simmons First National Bank as a Commercial Loan Officer with an increased portfolio
performing many of the same tasks as with Excel Bank with the direction of assisting
management and staff on the various changes to policy and procedure which occurs
during a merger and acquisition.
First United Bank June 2007 – August 2010
Greenwood Village, CO
Senior Credit Analyst / Vice President
Train analysis department to perform credit analysis on historic, current and projected
credit information pertaining to loan requests and credit reviews for the purpose of
accurately risk rating current and potential loan requests through credit and cash flow
analysis with use of an analysis spreadsheet I developed. Responsible for analyzing tax
returns and financial statements of companies and their principals Gather and analyze all
financial and business information to determine credit worthiness for loans, including the
identification of risks (market, credit ,etc) or strengths (commercial or individual).
Prepare a written summary of conclusions for loan officers or committees. Train the loan
department on current regulatory standard, practices and developed additional procedures
and update to current policies to conform to current regulatory standards. This was a
consulting contract to ensure adequate credit culture until the sale of the financial
institution.
National Bank December 1999 – May 2007
Hillsboro, IL
Credit Analyst / Assistant Vice President
Worked on a team in the collection department and improved overall delinquency from
9% to 1.5% in 8 months. Promoted to credit analysis department where tasks include
preserving the banks’ capital by creating underwriting documentation commensurate with
credit risk exposure to the bank. Gather and analyze all financial and business
information to determine credit worthiness for loans. Create and manage a tickler system
to track receipt of financial information. Attend loan committee to give insight on the
analysis and opinion of creditworthiness. Ensure that credit files are maintained current
with latest financial information. Promoted to Senior Credit Analyst and developed an
analysis currently used by KTT Consulting and Excel Bank as a tool to correctly risk rate
commercial credits. Interim Branch Manager for the Vandalia, IL location where tasks
included monitoring branch traffic for staffing needs, commercial and retail lending,
credit analysis.

3. SUMMARY OF EDUCATION
Robert Morris College, Springfield, IL 1999 – 2002
Associates in Applied Science
Business Administration with concentration in management.
Ramsey High School, Ramsey, IL 1989 – 1993
High School Diploma