Jeff Miller Email & Phone Number

Dartmouth, Ma

Primarily responsible for the overall direction, administration and performance of the Credit Union’s Consumer Lending activities ensuring departmental efficiency and effectiveness in loan pipeline workflows by leading and collaborating across cross-functional teams to move forward and accomplish key line of business initiatives, and manage ongoing business relationships with external vendor partners and loan portfolio sellers.

Norwell, Massachusetts

CUB Lending Partners, LLC was created to help Credit Unions & Banks (CUBs) that want new customers and assets without the burden of the loan origination process. CUB Lending acting as their indirect lending department generates quality auto loan receivables “one deal at a time."From a simple idea in early 2012, CUB Lending Partners was formed to solve a unique and persistent problem: Bridging the gap between small, independent auto dealers in need of a full spectrum finance source, and credit unions/banks (CUBs) lacking the expertise, market knowledge or internal resources to enter the indirect auto loan origination business themselves.Five years later, CUB Lending has successfully entered the auto-loan processing community with that solution. In partnership with our 150+ independent dealers and 6 active credit unions, CUB Lending, has generated $40+ million in quality auto loan receivables with an average net yield of 4.85%. We are always looking for new lending partners within the New England market, if you would like more information please contact me at (781) 987 1761 or visit on the web at: www.cublending.com

Braintree Ma

Various assignments in indirect auto & mortgage consumer loan centers to improve process flow, update policies and procedures improve credit risk reporting and create solutions for growing loan portfolios, reducing costs and providing top quality customer service.Duties also include making recommendations to improve departmental efficiency, staff reduction, capacity modeling, vendor management, update job descriptions and incentive plans.

Established the overall credit management strategy for Small Business, Mortgage, Consumer and other non-secured credit lines. Accountable for developing a strong and consistent credit culture to achieve desired asset quality and credit administration metrics to maintain satisfactory ratings by audit and regulatory agencies. Driving efficiencies through continuous process improvement and implementing a culture of providing top quality customer service.

Developed efficiency metrics and operating standards for the Indirect Auto credit underwriting staff, resulting in significant decreases in the cost per application. Implemented new processes across six regional locations.Recommended process improvements to banks’ Retail Credit Policy Committee that resulted in enhanced credit quality and increased yields of new loan vintages.Reduced policy exceptions (60%) and improved credit quality by creating and implementing strategies to manage “credit risk points” on a daily basis.Strengthened customer relationships and brand loyalty by providing top quality service with extended service hours and associate availability without increase in costs to the bank.Created a strategy that improved internal cross-functional relationships with banks’ audit, compliance, legal, and risk teams allowing for positive interactive feedback and consensus, facilitating the consolidation and updating of bank Policy and Procedure manuals. Resulted in improved credit quality and consistent buying practices.

Managed 200+ associates in multiple regional business centers in Northeastern/Midwest regions of the country. Each Regional Business Center was comprised of separate sales, credit, funding and collections teams, each with responsibility for generating new business volume and P&L management.Implemented strategies and solutions aimed at improving the company’s overall financial position resulting in account growth from $719 million to $1.5 billion annually and divisional net income growth from $10.6 million to $41 million annually over a five year period.Spearheaded the opening of regional offices in Albany, NY and Minneapolis, MN that generated profits greater than $1 million each in the first two years of operation.Designed and executed communication program aimed at increasing associates understanding of and connection to organizational goals. Program fostered increased loyalty and employee engagement resulting in direct financial benefits related to increased productivity. Initiated and designed an innovative associate development and succession management program which contributed to the top retention records within the corporation. Program allowed associates the opportunity for career mapping, goal setting, mock interviews, and ongoing feedback sessions. Program produced nine internal promotions in first two years.

Ckeveland Oh

Managed credit, residual risks and product development for Key Bank Lease program (3 locations, 73 associates). Operating results exceeded all industry standards for return rates and loss per vehicle.Developed a used car leasing program at one of the nation’s leading banks, leveraging knowledge of the automobile industry to create a new revenue stream. Results generated increased market share and greater customer loyalty.Reengineered the work flow processes by utilizing combined talents of IT, HR, and staff associates to form a diverse task force. Results produced a streamlined operation and improved brand image within the existing customer base.Expanded market territory from 13 states producing $20 million per month new business volume to 32 states producing $150 million per month. The existing portfolio grew from $460 million to $3.2 billion in three years.Designed and conducted comprehensive lease product-training classes. Classes assisted associates in product knowledge and understanding of customer issues resulting in improved customer service, reduced losses to the bank and higher associate satisfaction.

Responsible for managing the underwriting and funding operations of the indirect leasing portfolio with 18 associates. Market territory included 16 states producing $23 million per month new business volume.Established streamlined, efficient business processes with a focus on customer service for the dealer base.Successfully managed the implementation of the “Credit-desk” software system, achieving 25% growth in efficiency, with dealer customers benefiting from enhanced levels of customer service.Managed the development and successful installation of FICO-based custom credit scorecards, resulting in tighter control and management of portfolio risk and reduced exposure to loss.

Managed the credit underwriting and collection operations of the indirect auto portfolio with 19 associates over 4 years. In new start up operation grew collection department from 2 to 10 with 2 years. Trained and monitor performance of collection team. Managed front end credit team with growing dealer base providing top service to all customers while managing credit risk.