Independent Banker - June 2023 - 35
Innovators
Putting customers at the center of tech innovation
With an eye to the future and a finger on the pulse of new technology, these leaders are helping their banks make
strides in the innovation space. By Elizabeth Judd
U
sing the latest technology,
farmers can subdivide their
fields, apply variable rates of
fertilizer and seed after testing small
subsections of soil and determine
what's required, says Todd Borchardt,
chief ag credit officer and president
of the Langdon, N.D., location of
Choice Bank.
Farmers are not the only ones
refining age-old ways of running
their businesses. Taking a signal
from customers at the vanguard
of agricultural change, Borchardt
and his fellow bankers are using
technology to deliver improved
finance solutions at the $4.2 billionasset
community bank.
" If it's springtime, it's planting time.
We can't be face-to-face with our
borrowers because they're too busy, "
says Borchardt. Choice has therefore
introduced digital banking solutions,
from DocuSign to paperless systems,
that let farmers use their tablets or
smartphones to secure necessary
financing without losing sight of their
tractors and land.
For bankers, everything from
promissory notes to security
agreements can be viewed online and
offer impressive time savings. " We
get quicker results with fewer people
touching documents, " says Borchardt.
" There's a lot less redundancy. "
Customers are one of many
forces driving community banks
to change, according to these 40
Under 40 honorees. For instance,
Max Anderson, assistant VP and
commercial lender for $380 millionasset
Honor Bank in Traverse City,
(Continued on page 36)
Charlotte Green, 34
Vice president, residential mortgage
sales manager
The Cooperative Bank of Cape Cod | Cape Cod, Mass.
Charlotte Green is ushering her community bank into
the future. Following extensive research and careful
planning, she headed the expansion of her bank's
residential lending social media presence and an
upgrade of its online application technology.
Todd Borchardt, 38
President and chief ag credit officer
Choice Bank | Langdon, N.D.
As president of a rural community bank, Todd
Borchardt caters to the community's needs.
He helped create a program allowing Choice
Bank to provide farmers with inexpensive
financing solutions on inputs purchased through
agricultural farming supply retailers.
Christopher Medrano, 39
Chief information officer
Kleberg Bank, N.A. | Kingsville, Texas
As the head of software development and
technology, Christopher Medrano thinks about the
future of banking every day. He is the cocreator of
his bank's rewards management software-a project
that he led and later integrated within the bank. The
software has been so successful at Kleberg that it's
now being sold to other community banks.
independentbanker.org // 35
http://www.independentbanker.org
Independent Banker - June 2023
Table of Contents for the Digital Edition of Independent Banker - June 2023
Contents
Independent Banker - June 2023 - Contents
Independent Banker - June 2023 - Cover1
Independent Banker - June 2023 - Cover2
Independent Banker - June 2023 - Contents
Independent Banker - June 2023 - 2
Independent Banker - June 2023 - 3
Independent Banker - June 2023 - 4
Independent Banker - June 2023 - 5
Independent Banker - June 2023 - 6
Independent Banker - June 2023 - 7
Independent Banker - June 2023 - 8
Independent Banker - June 2023 - 9
Independent Banker - June 2023 - 10
Independent Banker - June 2023 - 11
Independent Banker - June 2023 - 12
Independent Banker - June 2023 - 13
Independent Banker - June 2023 - 14
Independent Banker - June 2023 - 15
Independent Banker - June 2023 - 16
Independent Banker - June 2023 - 17
Independent Banker - June 2023 - 18
Independent Banker - June 2023 - 19
Independent Banker - June 2023 - 20
Independent Banker - June 2023 - 21
Independent Banker - June 2023 - 22
Independent Banker - June 2023 - 23
Independent Banker - June 2023 - 24
Independent Banker - June 2023 - 25
Independent Banker - June 2023 - 26
Independent Banker - June 2023 - 27
Independent Banker - June 2023 - 28
Independent Banker - June 2023 - 29
Independent Banker - June 2023 - 30
Independent Banker - June 2023 - 31
Independent Banker - June 2023 - 32
Independent Banker - June 2023 - 33
Independent Banker - June 2023 - 34
Independent Banker - June 2023 - 35
Independent Banker - June 2023 - 36
Independent Banker - June 2023 - 37
Independent Banker - June 2023 - 38
Independent Banker - June 2023 - 39
Independent Banker - June 2023 - 40
Independent Banker - June 2023 - 41
Independent Banker - June 2023 - 42
Independent Banker - June 2023 - 43
Independent Banker - June 2023 - 44
Independent Banker - June 2023 - 45
Independent Banker - June 2023 - 46
Independent Banker - June 2023 - 47
Independent Banker - June 2023 - 48
Independent Banker - June 2023 - 49
Independent Banker - June 2023 - 50
Independent Banker - June 2023 - 51
Independent Banker - June 2023 - 52
Independent Banker - June 2023 - 53
Independent Banker - June 2023 - 54
Independent Banker - June 2023 - 55
Independent Banker - June 2023 - 56
Independent Banker - June 2023 - 57
Independent Banker - June 2023 - 58
Independent Banker - June 2023 - 59
Independent Banker - June 2023 - 60
Independent Banker - June 2023 - 61
Independent Banker - June 2023 - 62
Independent Banker - June 2023 - 63
Independent Banker - June 2023 - 64
Independent Banker - June 2023 - 65
Independent Banker - June 2023 - 68
Independent Banker - June 2023 - Cover3
Independent Banker - June 2023 - Cover4
https://www.nxtbook.com/mspc/independentbanker/december2024
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com