In my role as Senior Vice President, Internal Operations & Chief Lending Officer, I am committed to fulfilling our vision of inspiring financial wellness. I lead initiatives that promote our core values of Care, Listen, Learn, Solve, and Act, ensuring high-quality service for both internal and external members.Key Responsibilities: • Risk Management: Direct the overall Risk Management Program in compliance with NCUA guidelines, overseeing investigative practices and ensuring organizational policies minimize risk.• Strategic Leadership: Collaborate with senior leadership and the Board of Directors to develop and implement the credit union's risk, process improvement, and lending strategies, ensuring that all loan programs align with our organizational goals.• Team Development: Manage and hold accountable the VP of Lending, VP of Commercial Lending, VP of Enterprise Risk Management, and VP of Internal Operations. I prioritize employee growth by identifying areas for improvement, providing coaching, and conducting monthly performance reviews.• Lending Oversight: Oversee the development of loan policies, procedures, and products, while setting and achieving lending goals as established by the leadership team and Board of Directors.• Financial Monitoring: Monitor actual vs. budget expenses to ensure adherence to credit union tolerance levels and prepare reports for Board meetings, including presentations and supporting data.• Vendor Management: Interact with credit union vendors, analyzing data and service levels for compliance, negotiating favorable contractual terms, and ensuring due diligence.• Product Development: Lead the creation of new products and services that meet member needs while remaining knowledgeable about the regional and national lending environment.With a focus on delivering exceptional service and achieving strategic goals, I strive to enhance the financial well-being of our members while driving organizational success.

As the Vice President of Lending, my primary goal was to inspire financial wellness by delivering exceptional service to both our internal and external members. I was dedicated to upholding our core values of Care, Listen, Learn, Solve, and Act while fostering a highly effective team that maximized each employee's potential through comprehensive coaching and leadership.Key Responsibilities: • Team Leadership: Led and managed a high-performing lending team, providing ongoing training and performance reviews to ensure staff were equipped to excel in their roles. Conducted regular coaching sessions and set monthly performance goals to drive improvement.• Lending Strategy Development: Developed, monitored, and maintained strategies to advance the credit union's loan portfolio. Analyzed loan quality trends and provided insights to the leadership team and relevant committees.• Policy Development: Created and refined loan policies, procedures, and products in accordance with standards established by the leadership team and Board of Directors.• Committee Participation: Actively participated in Board and Management Committees, preparing reports and presentations to inform strategic decisions.• Regulatory Compliance: Served as the primary contact for the credit union’s regulators, maintaining adherence to lending policies and regulations while fostering strong relationships with oversight bodies.• Community Engagement: Represented the credit union at community events and initiatives, reinforcing our commitment to giving back and enhancing financial literacy among our members.With a strong commitment to developing innovative lending solutions and nurturing a culture of excellence, I focused on achieving both member satisfaction and credit union growth.

As the Director of Consumer Lending at First Financial Bank, I led multiple lending channels, including Direct to Consumer, Indirect Auto Finance, Home Equity Lending, Merchant Services, Credit Cards, Credit Administration, and Consumer Collections. My role encompassed a broad spectrum of responsibilities, including pricing strategy, portfolio management, marketing initiatives, product development, risk management, regulatory compliance, and customer service.Key Achievements: • Portfolio Management: Oversaw a $485M consumer lending portfolio with full profit and loss accountability, driving significant growth and profitability.• Loan Production: Managed all consumer lending activities, generating over $250M in annual loan production.• Revenue Growth: Increased revenue through innovative product and pricing strategies, and the successful expansion of Merchant Services.• Product Launch: Successfully planned and implemented the launch of the Credit Card product.• Technological Advancements: Introduced new technologies, such as online application software and mobile payment solutions, to enhance customer experience and streamline operations.• Process Improvement: Enhanced productivity and reduced costs through process redesign, team restructuring, and the elimination of inefficiencies.• Committee Leadership: Actively contributed to various bank committees, including ALCO, ALLL, Pricing, HMDA, Compliance, Fair Lending, Internal Loan, and Disclosure Committees.My leadership and strategic approach not only fostered a robust lending environment but also supported the successful integration of three banks through mergers and acquisitions.

In my role as Director of Affinity Relations at Royal United Mortgage, I led initiatives for this start-up mortgage company, focusing on the development and implementation of a private-label outsourcing channel. I was responsible for cultivating and managing affinity relationships with external financial institutions, aiming to establish a new sales channel to drive additional revenue during a period of rapid growth in a competitive market.Key Contributions: • Product Presentation: Delivered a comprehensive suite of mortgage products and solutions tailored to the needs of partner organizations and their membership bases.• Marketing Strategy: Implemented best practices to effectively promote and market the company’s programs to both existing and prospective clients.• Collaboration with Leadership: Worked closely with executives to develop customized origination programs, successfully maximizing sales revenue.• Strategic Growth: Identified key opportunities and executed effective strategies to foster organizational growth and enhance market presence.Through these efforts, I played a pivotal role in positioning Royal United Mortgage for success in a challenging landscape.

As Site Director at Chase, I managed all loan center and call center operations, encompassing sales, service, underwriting, credit administration, and compliance. I provided strategic direction to 11 direct reports and oversaw a total team of 120 employees. My role involved national collaboration with various sites, consulting with senior management, delivering presentations to large audiences, and facilitating sales training initiatives.Key Achievements: • Loan Production Growth: Successfully increased annual loan production from $1.5B to $4.5B through the implementation of effective growth strategies.• Customer Retention: Improved overall customer attrition rates and executed successful retention efforts for a $95B home equity portfolio.• Referral Partnerships: Collaborated with multiple business lines to establish referral relationships, resulting in over $500M in annual loan production.• Recognition: Honored with the 2006 President’s Award for Home Equity Sales Manager of the Year, selected by the Executive Leadership Team for outstanding performance.• Innovative Development: Led the development and testing of new lead sources, positioning the site as a leader in employee performance.My leadership and strategic initiatives significantly contributed to the operational success and growth of Chase during my tenure.