Joseph Lilly Email & Phone Number

Dallas, TX, US

Milwaukee, Wisconsin, US

-Set up, configure, and train new credit union clients on lending modules of Fiserv platforms-Provide consultation before, during, and after conversion processes-Maintain project management principles and project plans for each implementation-Manage multiple clients and adhere to project timelines-Analyze and identify root causes, providing input to.

Dallas, TX, US

• Provide independent oversight of the credit analysis, underwriting, due diligence, documentation preparation and processing, booking loans to the core, and portfolio risk monitoring of all member business and.
• Perform a comprehensive review of sampled new loans and modifications to identify credit weaknesses, policy or regulatory violations, servicing deficiencies or trends.
• Provide independent oversight of periodic term loan reviews conducted internally or via a designated third-party, as well as appraisal and environmental due diligence administration.
• Perform and present periodic portfolio-level analytics and stress-testing to inform the Executive Management Committee and Board of Directors of any relevant risk findings within the loan portfolio, including.
• Work in coordination with the VP of Commercial Services to ensure that all business/commercial loan policies and procedures adequately address CUTX’s credit culture and any exceptions to policy are properly documented.
• Manage and serve as the lead administrator for the organization’s existing commercial loan origination system (LOS) platform; and oversee the implementation of a replacement LOS, should the Credit Union decide to adopt.

Dallas, TX, US

• Responsible for assisting the COO in establishing and building a commercial business operation including developing account, software and business practices guidelines as well as risk assessment and mitigation of.
• Ensuring CUTX is offering appropriate products for our members, and bringing new product offerings to the program.
• Responsible for assisting the COO in the oversight activities as well as providing credible challenge to meet regulatory compliance and operational risk of products as portfolios grow, as well as, maximizing and.
• Keep abreast of regulatory developments to ensure the credit union operates in accordance with relevant laws, rules and regulations, industry and internal standards, relevant to commercial and member business lending.
• Manage annual examination functions for those areas that are performed by 3rd party auditors and regulatory examiners. Coordinate the findings follow-up and written communication with COO, as needed.
• Prepare Executive Management Committee packets for loan presentations, as applicable.

Dallas, TX, US

• Works with senior lending management and assists in the preparation for regulatory exams and external audits pertaining to lending operations.
• Coordinates the accumulation of requested reports, policies, procedures within requested deadlines.
• Manages the administration of the commercial loan portfolio.
• Prepares risk assessments as a tool to evaluate risk related to regulatory compliance, products, processes and geography. Analyzes and classifies risks as to likelihood of occurrence and potential for loss, and.
• Manages underwriting function, monitors decision quality, approval rates, and maximizes use of automation in the decision process. Works closely with Chief Sales Officer on new lending programs, program changes, or.

Dallas, TX, US

• Ensure commercial and business lending compliance with state and federal lending requirements.
• Works with senior lending management and assists in the preparation for regulatory exams and external audits pertaining to lending operations.
• Serves as the vendor relationship manager for commercial loan operational agreements.
• Assists senior management with commercial lending related projects and initiatives to enhance business loan operations and position CUTX for continued loan growth.
• Oversees or performs various commercial loan administration functions to support a high production and efficient loan operation.

Dallas, TX, US

• Oversee all aspects of the consumer loan underwriting process.
• Responsible for leading a staff of 4 Credit Analysts.
• Experience with consumer loan underwriting, loan structuring, and credit analysis. Aggregate dollar amount of loan underwriting authority is $150K (secured and unsecured.)
• Responsible for monitoring the credit quality in the consumer loan portfolio. This includes autos, RV, personal loans, and credit cards.
• Experience with assisting in the conversion to a new core data system. Responsibilities included implementation of the LOS and Online Loan Application platform.

Dallas, TX, US

• Oversees all aspects of operations and consumer lending within branch, call center, and e-branch (virtual branch) environments.
• Responsible for leading a staff of 7 direct reports (Managers) and 38 indirect reports (Tellers, Loan Officers, and Member Service Officers.)
• Key member within the Strategic Planning Group of the Credit Union. The task of the SPG is to monitor and provide recommendations on strategic initiatives established by Senior and Executive Management.
• Experience with consumer loan underwriting, loan structuring, and credit analysis.
• Maintains a critical role within operational projects at the Credit Union. Projects include, but are not limited to, evaluating, researching, and implementing account origination and servicing platforms, loan.

Dallas, TX, US

• Lead six retail branches to service and operational consistency.
• Collaborated with peers and executive management to achieve operational efficiencies within the branch environment.
• Ensured that branch personnel was operating within the guidelines of organization policy and federal regulation.
• Experience with a broad spectrum of operational functions within the branch and commercial banking environment.

Dallas, TX, US

• Assisted four branches with growing Credit Union membership through local marketing.
• Responsible for growing the commercial portfolio for the Credit Union through business memberships and commercial lending.
• Presented members and potential members the numerous ways the Credit Union can assist with their financial goals.
• Collected the appropriate documentation from business members to establish deposit accounts and originate commercial loan applications.
• Consistently participated in Credit Union training to keep up to date on current regulation.
• Consulted with Directors and Executive Management on updating the Commercial Product Suite of the Credit Union.

New York, NY, US

• Management position accountable for soliciting business accounts and developing strategic alliances with clientele.
• Developed tactics to increase branch deposits and profitability within a defined market.
• Utilized proprietary sales strategies and promotions to consistently deliver excellent customer service.
• Managed a staff of 5 or more employees ( Tellers and Personal Bankers.)
• Cross-sold banking services and products to clientele.