Meet Conterra’s Ag Lending Experts in the Western Region
Conterra has highly experienced lending experts in the western region. They can meet with you to discuss your operation and find a lending products to fit your specific needs.
VP Relationship Manager
Western Region
Tharvin Gill grew up in Yuba City, California, where working the family’s orchard alongside his grandfather taught him early what it means to be part of production agriculture. With roots that trace back to two generations of farmers on both sides of his family, Tharvin brings a personal connection to the work, one shaped by firsthand experience in the field and a deep respect for the people behind the crops. That foundation, combined with his background in ag lending and banking, gives him a practical lens on how financial solutions should actually serve producers.
At Conterra, Tharvin partners with farmers and ranchers across the West to help them navigate growth, transition, and tough seasons with financing that fits the realities of their operation. He’s not interested in pushing a standard product, he’s focused on building trust, understanding each operation’s unique rhythm, and helping borrowers find the right structure to move forward. For Tharvin, lending is personal, and every deal is an opportunity to support the long-term success of American agriculture.
Contact Tharvin to learn more about our tailored product offerings.
VP Relationship Manager
Western Region
Jim Davis serves farmers and ranchers across California and the Pacific Northwest, bringing nearly 30 years of ag lending experience to his role as a Relationship Manager with Conterra. Originally from eastern Idaho and now based in Meridian, Jim has spent his career building trusted relationships with producers, many of whom he’s worked with for decades. His approach is shaped by a deep understanding of production agriculture and a strong belief in the value it brings to local economies and communities.
Jim’s commitment is simple: help producers access the right financing to move their operations forward, whether that means securing working capital, restructuring debt, or planning for generational transition. He understands the stakes of every season and the pressures that come with fluctuating markets. For Jim, every loan is about more than numbers, it’s about supporting the people who grow our food, fuel, and fiber with practical, long-term solutions they can count on.
Contact Jim to learn more about how Conterra can improve your operation through its vast knowledge and lending products.
VP Relationship Manager
Southwest Region
Trisha Lillie brings more than 16 years of ag lending experience to her role as a Relationship Manager, with a focus on building lasting partnerships across the Southwest. An Arizona native with a degree in Agricultural Economics from the University of Arizona, Trisha has spent her entire career supporting the producers who power our food system. Her lending experience spans a wide range of operations, from dairies and row crops to permanent plantings, produce, and nurseries, giving her the insight to tailor financing to each client’s unique needs.
Known for her down-to-earth style and deep commitment to client success, Trisha works closely with farmers and ranchers to develop solutions that align with their goals, not just their balance sheets. She graduated from the Pacific Coast Banking School in 2016 and continues to be energized by the relationships she builds in the field. When she’s not working with producers, you’ll find her cheering on the Wildcats or exploring Arizona’s mountain trails. She even once crossed off a bucket list item by hiking Mount Kilimanjaro.
Contact Trisha to learn more about how Conterra help your farm or ranch operation.
VP Relationship Manager
Western Region
Jim Davis is the Conterra Relationship Manager and Ag Lending expert in California and the Pacific Northwest.
Jim has deep roots in ag lending, as eastern-Idaho native he has accumulated nearly 30 years of experience. Jim has been focused on assisting farmers and ranchers with financing needs.
Davis brings a litany of previously established relationships in California and the Pacific Northwest region. Currently residing in Meridian, Idaho, Jim knows first-hand the impact agriculture has on the state’s economy.
Jim has a passion for agriculture and supporting those who produce the country’s feed, fuel and fiber motivates him to assist the industry with financing services.
“American agriculture is one of the most important economic sectors in the country,” Davis said. “Without food, nothing else matters. I’m excited to be back working directly with the farmers, ranchers and dairymen who keep the impressive American ag machine moving foward.”
Contact Jim to learn more about how Conterra can improve your operation through its vast knowledge and lending products.
California is the world’s fifth largest supplier of food, cotton fiber and other agricultural commodities. California produces more than 400 different crops—everything from world- renowned wines to specialty items such as almonds and raisins. The Golden State is the nation’s sole producer (99 percent or more) of many specialty crops, such as: almonds, artichokes, peaches, prunes, garlic, olives, pistachios, pomegranates, tomatoes, raisins, and walnuts. California also produces half of the U.S. – grown fruits and vegetables The Central Valley of California is one of the world's most productive agricultural regions. More than 230 crops are grown here. Its agricultural productivity relies on irrigation both from surface water diversions and from groundwater pumping (wells). About one-sixth of the irrigated land in the U.S. is in the Central Valley.
Conterra Understands the Challenges Facing California Farmers
Weather is always a challenge in the west. Farmers are consistently dealing with a drought and or wildfires. Water availability has become one of the biggest issues for producers in the California area with SGMA law restricting well water pumping. Environmental regulations like groundwater pollution, air pollution are additional burdens on the farming community. The cost of production, labor and availability of products (parts, equipment, inputs). The efficiency problems continue to be a challenge as labor shortages are effecting the ag industry all over the country.
Contact Your Western Region Experts
