Assist the school administration staff through providing oversight and guidance for the strategic and fiscal planning of the school network which includes three elementary schools, a junior and senior high school.• Collaborated with Administrative staff in developing and implementing a multi-point fiscal plan involving budget planning, reporting, and revenue enhancements that resulted in the network moving from budget deficits to surpluses on a consistent basis.• Collaborated with Business Office staff in the implementation of a new tuition management system and updated the collection process of past due accounts that has resulted in a reduction in past due balances and improved cash flow.

Manage a $10 million account portfolio to ensure that credit applications submitted to Titan Machinery for business lines of credit are reviewed and decisioned consistently according to Titan Machinery policy. Also responsible for ensuring that outstanding balances owed by customers are collected in a timely manner to minimize delinquency and maximize cash flow for the company.• Created and implemented an updated collection policy and process resulting in a more consistent practice across the 78 store network and improving the performance of the outstanding accounts receivables.• Created and implemented an updated credit review policy and process to minimize the risk and improve the quality of agriculture and construction customers being approved for open lines of credit with Titan Machinery. • Collaborated with Accounting and Marketing departments in identifying and implementing a new invoice and payment process for Titan customers to ensure timely payments are made on account receivables, in addition to making the process easier for Titan Machinery customers.• Reduced the dollar amount of outstanding past due balances by 51.40% as a result of creating and implementing an updated credit policy and processes.

Led the Wholesale Portfolio Mortgage Closing Center for US Bank Home Mortgage Wholesale Division. Ensured that mortgage loan applications submitted to US Bank Home Mortgage were closed consistently according to established regulatory and bank requirements and within established service levels. • Created and implemented an incentive program for the Closing staff, resulting in lower employee turnover and reduced the error rate to less than 1.00% of the total number of loans closed.• Collaborated with partner channels to change and create processes to be more consistent across origination channels, which included implementing a new loan operating system resulting in an increase in productivity and a reduction in staffing expense, while originating loans in compliance with regulatory and bank standards as supported by the system.

Led the Credit Analysis and Broker Management Departments for US Bank Home Mortgage Wholesale Division. Oversaw and ensured that mortgage loan applications submitted to US Bank Home Mortgage were underwritten consistently according to established credit policy standards and bank philosophy. Oversaw the review and approval of mortgage companies as third-party loan originators.• Led a team of credit analysts and managers, ensuring that credit quality and customer service standards were met for $3 billion in annual mortgage loan originations throughout 47 states and included having $3 million in individual lending authority.• Implemented and managed the financial analysis, underwriting and approval of new third-party mortgage companies to originate business with US Bank and the management of approved brokers, resulting in meeting loan volume goals originated from risk compliant mortgage brokers.• Ensured credit decisions were in compliance with all federal regulatory and bank policies, resulting in an error rate of less than 1.00% of approved credit applications, greater than 98.00% of loan decisions made within a 48 hour service level agreement, a credit exception rate of 2.62% of approved loans, both delinquency rate and gross charge offs less than 1.00% of total loan balances outstanding, in addition to consistent Satisfactory ratings from the Office of Comptroller of Currency (OCC).• Collaborated with Credit Risk Management and Sales Management on the development and implementation of product and policy changes resulting in timely program offerings for bank customers as dictated by the marketplace and enhancing revenues for the bank.

Supervised credit analysts in the Indirect Lending department to ensure that loan applications for automobile/marine/RV requests were underwritten according to established credit policy and product guidelines, and meeting established service levels to dealers. Relocated the Lease Remarketing department from Denver, CO to Fargo, ND to manage and established policies and procedures for the department.

Performed credit analysis in the Direct Lending department to ensure that applications for consumer loan requests were underwritten according to established credit policy and product guidelines and meeting established service levels to branch personnel.

Originated consumer loans in the Robbinsdale, MN branch office that includedprospecting and originating consumer loans, credit review and underwriting of loans with individual lending authority, and cross selling other bank products.