*Position eliminated 10/30/2018* Directed 40 staff in Florida and California, $3.7M budget, and Consumer Lending Division consisting of Credit Administration, Loans by Phone and Web, Consumer Loan Servicing and Indirect Lending. Managed all consumer loan products, consumer loan portfolio analytics/ maintenance, quality assurance (QA), and lending practices, polices, and reports. Mitigated risks by setting/enforcing all credit guidelines. Selected Product Owner for an inaugural Agile project and lead/SME for joint user interface project with digital technology vendor Kony and four other CUs. Served as member of the ALCO Committee; Credit Risk Committee; Loss Mitigation Committee; Compliance Committee; Cast Activities Committee and Cast Recognition and Events Committee.Significant Achievements, Projects & Process Improvements: Transitioned and restructured direct/indirect underwriters roles regarding indirect auto loan application decisions including negotiating approvals and following up on approved applications. Grew projected indirect loan originations from $41M to $130M, while lowering initial decision making turnaround time from 52 minutes to 12 minutes. Increased approved-to-funded ratio from 30% to 42%, along with application-to-funded ratio from 8% to 16%. Automated credit card line increases, generating $72M in additional available credit lines and $13.2M in additional usage in one year with lower risk, delinquencies, and charge-offs compared to newly issued credit cards. Improved QA scores from 90% to 96%, while decreasing critical exceptions from 67% (projected YE 2018), and titles without a lien in 90 days from 0.33% to 0.06% by centralizing and streamlining loan processing functions. Instrumental in leading and executing multiple projects including launching a new loan origination system, first-ever indirect auto dealer scorecard, and paperless lending in close collaboration with vendors, leaders, and staff.

Led a 21-member team, Consumer Lending Department, and all consumer loan products/portfolio, lending practices, credit/loan policies, guidelines, and procedures. Ensured optimal lending operations, drove process improvements, and monitored loan quality exposures and concentration risks. Created loan products to address consumer needs, business objectives, and strategic plans. Advised on loan products and services, pricing proposals, and lending perspectives for the Asset Liability Committee. Transitioned the company from zero automated underwriting decisions to 21% by developing, testing, and installing the company’s first robust and complex automated lending decision engine. Established the first procedures for monitoring indirect lending partners, including tracking automobile dealerships we were doing business with, which enabled the credit union to eradicate underperforming dealers and make informed decisions regarding underwriting exceptions.

Led 30 direct/indirect reports in five departments: Collections, Consumer Loan Processing, Mortgage, Indirect Lending, and Underwriting. Established a new indirect lending program and presented to the Board of Directors and ALM Committee. Drove 16% increase in loan growth during the recession and under difficult economic restraints. Grew total yearly originations 47% by launching new FHA, VA, USDA, and TLC mortgage programs. Decreased loan losses, while increasing total loans, by devising and instituting an automated underwriting decision engine new custom scoring model and comprehensive underwriting guidelines.

Supervised all mortgage lending sales and operations.

Supervised sales professionals in 14 states, including developing the company's first inside sales department.