What makes your bank unique? ANB Bank is a solutions-based community bank. Our goal is to match appropriate financial tools to customers in our local areas based upon their individual needs. As the Underwriting Manager, my role within that larger mission is to provide understanding and tools to our team in order to better match a financial structure to a customer’s business model. Making financing accessible for customers who might not fit in an easy box with other lenders yet are still creditworthy has created an amazing space for ANB within our communities. What is the most rewarding aspect of your job? Underwriting has the benefit of being connected to all areas of the bank’s lending footprint which allows me to stay plugged into areas throughout Colorado, and see those customers and communities develop from financial conversations that start within the bank. Internally, I greatly enjoy watching the growth of the teammates that come into my department while building a unit that works together cohesively. Developing a team culture has been one of the most rewarding experiences and seeing former teammates go on to achieve career goals after spending time in the Underwriting Department has been incredible. What is the most important thing you’ve learned from a career in banking? The importance of managing a balance sheet to build a successful long-term business. In the turbulent economic environment of the past couple years, those who managed with an eye toward lasting viability will be those that positively impact their communities in the future. Interacting with a variety of customers and business models offers a unique perspective on the local economies in which we operate. I’ve been able to take that understanding and provide insight when asked by business owners, teachers, community organizers, or others that are curious about the broader economy. What is your favorite movie or book, and why? My favorite movie is The Dark Knight directed by Christopher Nolan. I’ve been a huge Batman fan since I was young, and the idea of a person wanting to do the best for those around them even against immense public pressure always stood out to me as a positive message that can be applied to all sorts of things in life. Plus, it’s exciting to see Batman beat the Joker at his own game. Clayton Dexter Underwriting Manager, Assistant Vice President, ANB Bank GOING BEYOND THE DESK TO HEAR THE STORIES OF COLORADO BANKERS What do you enjoy about your job? First off, I enjoy and appreciate the team I get to work with. I am truly blessed to work with some of the most talented leaders in the industry. Secondly and equally, I find true enjoyment in helping business owners expand and grow their footprint. Whether that means upgrading a current office space or financing additional equipment to help increase revenues, nothing brings me more satisfaction than being able to get a deal approved, and then to see the look of joy and excitement on a business owner’s face and have them say, “we couldn’t have done this without you.” We truly are dream makers. What makes your bank unique? We are one of the few family-owned banks left in the industry. Originally chartered in Cozad, Nebraska in 1883, we have organically grown to seven offices throughout small-town Nebraska, as well as Colorado Springs and Fort Collins. We are celebrating our 140th anniversary this year, and there is a succession plan in place to keep the bank in the family and growing. We have our eyes set on expanding our territory to the Longmont, Loveland, and Windsor/Greeley areas. What do you like to do to give back to the community? • Personal: My wife and I volunteer at our church in the creative arts/music department — we both sing. I am also a volunteer coach for my son’s baseball team in the Windsor area. Beyond that, I plug in where I see a need — I’m available to lend my gifts and talents to the local community. • Business: Waypoint Bank is a firm believer in giving back to the community both monetarily and through boots-on-theground volunteer work. Recently, (and for the past several years) a few of the bank staff have volunteered for Rope for Hope, a House of Neighborly Service fundraiser (HNS). HNS is a non-profit with a mission to serve and assist people who are challenged by the effects of poverty or situational crisis. Who is one of the most influential figures in your life? One of the most influential figures in my life (and there are several) is my sister, Sunshine. As a cerebral palsy survivor, she has overcome numerous obstacles in life. Her persistence and “can do” spirit are inspiring. The doctors would say, “she won’t be able do this or won’t be able to do that.” Well, I am elated to share she has defied many odds and has proven her doctors incorrect. Tell her she can’t do something and she will do it. My sister recently sold her first home and purchased her second along with her dream car. I can go on and on about her. She is simply the best. Joshua Alcantar Commercial Lender Waypoint Bank 13 Colorado Banker
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