Responsible for creating and delivering business plans and strategies that coincide with Indirect Lending operations and credit union initiatives. Successfully drive projects, processes and change management concepts in a dynamic and complex operating environment. Provide oversight and direction to ensure that procedures and practices are in alignment with credit union expectations. Ensure teams work efficiently and quickly to meet aggressive service/production level timelines, while still providing exceptional service and maintaining quality of work. Foster internal and external business relationships to ensure alignment with business imperatives.

Responsible for the daily operations of the Loan Underwriting Department to meet or exceed the objectives set for accuracy, volume and profitability of all consumer and indirect loans as well as meet or exceed established service level and business unit strategic goals. Continuously developing strategies and measurements to meet members credit needs, increase loan growth and profitability opportunities while minimizing risk of loss to the credit union. Cultivate highly skilled staff that effectively protects the assets of the Credit Union while increasing overall profitability through Consumer loan growth. Assess varied situations for associated risk and implement proper resolutions based upon current risk tolerances.

Oversee the daily operations of the Indirect Loan Processing Department. Insure all objectives set for accuracy, volume of loan package review and funding, as well as established service level and business unit strategic goals are met. Assess varied situations for associated risk and implement proper resolutions based upon current risk tolerances. Develop highly skilled staff that effectively protects the assets of the Credit Union while increasing overall profitability through Consumer loan growth.

Responsibilities include the oversight of foreclosure and real estate owned liquidation processes to meet all legal, investor and regulatory requirements of each state; while providing excellent member service. Reduce loss to the Credit Union and limit reputational and legal exposure through implementation of policy, procedures and sound strategies to gain possession of and liquidate real property when necessary.

Responsible for delivering innovative solutions and strategies to increase loss recoveries through continual management of 3rd party collection agencies and vendors on charged off loans and shares.

Responsible for all phases of delinquency, repossession, loss ratios, and compliance

Sr. Asst Branch Manager (2005 – 2008)• Managed internal branch operations and associate training and development. • Ensured daily purchase and quality objectives, optimizing funding time in compliance with Fireside’s policies and procedures.Buyer (2002–2005)• Responsible for establishing and maintaining positive working relationships with dealer personnel in conjunction with the approval, condition or rejection of all retail credit offerings.

Branch Operations Manager (1998 – 2001)• Managed all internal branch operations and associate training and development. • Provided guidance to ensure delinquency, repossession and loss ratios are maintained at corporate objectives.• Monitored and maintained purchase quality and market share at established corporate objectives.• Responsible for coordinating personnel matters such as interviewing and identifying new hire candidates, monitoring associates on leaves of absence oversaw supervisors to ensure proper handling of associate performance issues.• Responsible for reviewing, monitoring company reports to identify adverse trends, assessing the severity and implementing a course of action to minimize TFS’s loss exposure.Dealer Relations Manager (1994 – 1998)• Ensured assigned dealers achieved their purchase volume and market share objectives.• Monitored financial conditions of assigned dealers, developed action plans with branch management regarding problem areas.Customer Account Supervisor (1993 – 1994)• Supervised, trained and monitored the Customer Accounts function and staff performances.• Ensured past due accounts receive proper attention and that delinquency, repossessions and loss levels were maintained at or below branch objectives.Credit Supervisor (1992 – 1993)• Ensured the department maintained optimum call back time, achieved daily purchase and quality objectives and compliance with TFS’s Policies and Procedures.Credit Analyst (1989 –1992)• Responsible for establishing and maintaining positive working relationships with dealer personnel in conjunction with the approval, condition or rejection of all retail and lease credit offerings.Collector (1987-1989)• Ensured past due accounts receive proper attention and that delinquency, repossessions and loss levels were maintained at or below branch objectives.