Ken Gladden Email & Phone Number

United States

United States

United States

Clark County, Washington, United States

Sacramento, California

East Bay Area

• Implemented a risk oversight committee into the enterprise and established performance and risk metrics, creating dashboards and scorecards for reporting collections and lending KPI’s.
• Design, develop and maintain Tableau lending and collections dashboards
• Assist in the design, implementation, enhancement and maintenance of specialized collections and lending analytic functions using advanced software applications and tools
• Designed and completed monthly roll rate model used to monitor the migration of delinquent accounts and to estimate the qualitative reserve portion of the ALLL
• Evaluate and adjust qualitative risk factor components for the ALLL and complete all quarterly narratives and supporting documentation
• Liaison with all internal and external auditors as well as NCUA and DBO Examiners during all mandatory financial and regulatory examinations

Portland, Oregon Area

• Responsible for managing performance reporting for lending and collections divisions as well as adequacy testing and all documentation relating to the ALLL.
• Created, drafted and implemented Qualitative Factors to identify inherent risk in the lending portfolios due to factors unrelated to historical delinquency and loss and to ensure compliance with Interagency Guidance.
• Manage roll rate model to analyze and track monthly loan performance, ensuring that loss reserves are adequate and are in line with historical performance and future forecasts and for determining the monthly Provision.
• Chair monthly Credit Risk Oversight Committee
• Act as liaison for all audits regarding the ALLL and credit risk management. Meet with NCUA examiners and external auditing firms to assist in all aspects of annual audits
• Complete bi-annual real estate analysis to monitor credit unions equity position and to establish necessary economic reserves

Sacramento, California Area

• Tasked with the implementation of technology and business intelligence analytics with a focus on enhancing collection strategies, mitigating delinquency and improving member relations.
• Manage all aspects of collection/loan servicing operations for one of the nation’s largest credit unions
• Complete quarterly weighted risk analysis of $2.5 billion dollar 1st mortgage and equity portfolios to determine dollars at risk
• Oversee staff of 80 collectors and loan servicing support staff
• Complete department budgets
• Implemented Predictive dialer that increased collector contacts and generated more than 2 million phone calls

Education record

Education record