Implemented changes to the mortgage program tracking parameters that enabled digital risk trend analysis and enabled target sampling of loans identified with high-risk indicators.Monitored the credit risk of consumer and small-business lending portfolios. Small-Business, Mortgage, Bankcard and Consumer Installment.Evaluated emerging risks to lending portfolios and provided senior management with written reports on conclusions and recommendations.Oversaw both annual and quarterly risk oversight projects and deliverables on corporate loan portfolios.Implemented action plans for bank departments to correct practices and bring them into compliance with company policies, procedures, and banking regulations of the OCC, CFPB and FDIC.

Pilot – Rated in three helicopter types, LUH-72 Lakota, AH64D Apache, and Bell 206. Over 1300 flight hours.Air Medal for combat flight in Afghanistan during Operation Freedom Sentinel.Picked for ability to lead, deploy, and change organizational behavior into an effective team.Used positive leadership habits to bring together a company of over 80 Soldiers from different states to become the best, most efficient flight company in the battalion.Developed junior Army officers to become strong, effective leaders.Established an inclusive & positive leadership culture which fostered confidence in subordinate leaders to make decisions that benefited the organization.

Increased sales through territory expansion and opening new markets.Developed market share and growth strategies for a multi-state region.Managed a team of mortgage loan officers which covered a multi-state region.Initiated Loan officer risk reviews to fulfill risk requirements and drive educational experience and loan expertise at the point of origin.Drove performance success of team members by coaching, training, and providing candid feedback.Improved team performance by recognizing and rewarding successes through regular monthly sales meetings.

Built and implemented a new digital mortgage market interest rate pricing and lock system.Revamped an entire lock process and methodology for a regional credit union, expanding access to rates for customers and loan officers.Managed the allocation of loans into best execution or mandatory locks/pools.Ensured profitability through ongoing market analysis to determine multimillion-dollar mortgage pool contracts.