Denny Heiss Email & Phone Number

• Broad industry experience in commercial and savings institutions, consumer credit companies• Communicate effectively at all organizational levels and with all functional areas• Manage and lead all facets of operations including mortgage, consumer and commercial loans, retail deposit and data center relations including implementation of virtual ISP and PC home banking • Increase profitability and customer satisfaction through engagement of cross-functional teams• Manage compliance of mortgage, consumer, commercial underwriting and related federal regulationsKEY COMPETENCIESNew Product Introductions: Designed a home equity line of credit to introduce a new product for a deregulated savings bank in untapped market capturing early adapters and market share. Researched and implemented a PC home banking product and virtual ISP differentiating the bank from other community banks.Profit Improvement: Negotiated a $10 million book of timeshare business with ROI of 14% and virtually no delinquency to improve bottom line income during a period of reduced earnings. Converted a manual labor intense process to automated product delivery through the use of technology, resulting in reduced staffing and costly errors.Team Building: Convened staff meetings, resulting in improved morale and restored teamwork in fragmented department, which lead to increased productivity and a reduction in errors. Improved communications to reduce costly employee turn over.Strategic Management: Appointed strategic planning committee and worked side-by-side to design and implement membership survey, which drove changes in speaker selection and meeting structure, resulting in improved attendance at chamber meetings. Leadership Development: Previously everything was “dull and boring”. Energized training with enthusiasm and more participation resulting in better-trained Kiwanis leaders stabilizing membership and increasing fund raising and community awareness.Specialties: Comprehensive financial planning with a focus on the military and government employee market.