Jennifer Wilkinson, Jd/Mba Email & Phone Number

• In coordination with the Board, implemented a state-level, strategic advocacy plan representing more than 39,000 short- and mid-term rentals throughout Hawaii, including analysis of over 2000 bills, testimony in over 20 legislative hearings, meetings with high-level committee chairs, tracking and real-time update of 21 bills and voting records, development and distributions of talking points and sample testimony throughout counties and organizations. • Provided leadership to identify and negotiate more beneficial pricing and contract software, develop and facilitate centralized operations, and expand partnerships and fundraising initiatives, including donor engagement. • Collaborated with the Board of Directors to ensure a structured organizational foundation, financial oversight, and sustainability through prudent budgeting and strict compliance with established goals, legal documentation, and operational separation of powers. • Enhanced visibility, public relations, and representation within the tourism and housing sectors by formalizing advocacy programs across counties, fostering strategic partnerships in legislative leadership, managing marketing and lobbying efforts, and representing the organization in meetings, testimonies, and media engagements.

• Developed and implemented a comprehensive three-year strategic growth roadmap for all mortgage lending, consumer lending, and business loan participation activities, resulting in 38% loan growth and mortgage-related income exceeding $8 million. • Monitored financial impact and effectiveness of products and pricing strategies, which, with refinement, resulted in a 50% increase in non-interest income in 6 months and 200%.. • Assessed portfolio performance by utilizing key statistical analysis, data-driven indicators, and rigorous backtesting methodologies to increase performing card portfolios and unsecured product balances by 17% over 3 quarter cycles. • 98% post-modification performing mortgage default portfolio due to 3 weeks-to-market, automated loan modification programs for industry-leading 6 months.• Partnered with local county government to develop and facilitate grant funding programs, disbursing $17 million to over 1000 small businesses. Collaborated with a state-wide committee focused on ADU life-cycle development and issues with financing to create innovative products specific to the local community real estate market.• Designed first-mover products, new pricing models, and non-traditional underwriting policies, resulting in a 2-year average of 36.5% growth in mortgage originations, 41% increase in mortgage Non-Interest Income, and 1+% return on assets.

Us

• Revitalized growth and efficiency through restructured and improved process flow, resulting in an industry-leading 10-day close for purchase and 21 days for refinancing. • Redesigned loan processing and underwriting to improve production by 50% while reducing FTE by 44% over 3 years, maintaining a 97% employee engagement rating. • Designed default processes for portfolio management from early default to liquidation and OREO disposition, resulting in an annual gross recovery of over $1 million yearly over 3 years.• Leveraged relationships and vendors to renegotiate contracts and improve profit margins and volume throughout correspondent, wholesale, and direct loan channels while reducing expenses and streamlining workflows. • Recognized as a leader in staff development, motivation, and mentorship, leading to promotions for various staff, including AVP, VP, and SVP levels.

Us

• Oversight of all day to day functions of 60MM default portfolio while leading industry in annual gross recovery in excess of $1MM, 3 years in a row.• Drafting and implementation of all policies and procedures for default asset management. • Identification and negotiation of troubled-debt restructured loans, modifications, impairment analysis, and variances and problem asset reports. • Responsible for special assets GL reconciliation, departmental budgeting, ALLL meeting package, and annual charge off and recovery projections. • Drafting of advisory memorandums to executive team regarding relevant investor, regulatory, statutory and legal case law interpretation and analysis.

Identify and develop real estate investment strategy to include to create portfolio of residential and commercial properties, negotiating all contracts, purchases, and leases. Create a small portfolio of profitable real estate opportunities and maximize return on investments. Manage the identification, placement, and management of residential real property. Analyze, implement and advise on long-term asset management strategies and increased profitability for clients. • Conducted thorough market and financial analysis to identify profitable investment opportunities.• Drafted, reviewed, and managed contracts and other legal documents; performed due diligence to evaluate potential investments and acquired and currently manage a blended portfolio.• Developed and implemented property management plans and continually monitored market conditions to capitalize on potential investment opportunities.

Ca, 95010, Us

Master Of Business Administration (Mba), Sustainable Business W/ Concetration In Renewable Energy

Doctor Of Law - Jd

Bachelor Of Science (Bs), Political Science