Inside the Magic (ITM) is the ultimate source for the most interesting, entertaining, and unique entertainment experiences, covering theme parks, movies and so much more. Our focus is Disney Parks and our content team can be found throughout the US and Europe.Inside the Magic launched in 2005 with a tiny website and short podcast and has grown to the multimedia-driven experience it is today, focusing on bringing you all things fun. By Year-End 2020 Inside the Magic has grown to become the largest Disney fan website in the world according to both Alexa and SimilarWeb.

Business Loan Partners is my consulting practice advising middle market businesses with large capital needs. I work with healthy & mature businesses; start-ups; and struggling companies who need the financial resources to fund their own turn-around. With a world class list of funding partners no business or funding requirement is too big nor too small. I can arrange funding solutions for: Commercial Real Estate acquisitions; improve Cash Flow; purchase Equipment; and more. Most clients I work with possess needs outside of traditional Credit Union or Bank requirements. I help those business owners obtain the most cost effective non-traditional solution from hundreds of capital sources.

As a Vistage member, I am committed to elevating my company and my community. Vistage is the world’s largest CEO peer advisory and executive coaching organization and has been helping business leaders make better decisions that get better results since 1957.

Assumed Credit Union leadership in the midst of 4 years of NO asset growth and 10 years since there was growth in the loan portfolio. 2014 Western Heritage CU experienced loan growth that was among the best in the nation. We achieved many key objectives which include:• 65% Loan Growth; 30% in 2014 alone which was... - 2nd fastest Nationally among $50 million+ CUs that don't engage in Indirect Lending - 17th fastest in National Peer Group (with or without Indirect Lending) - Fastest in Nebraska• Launched Western Heritage Insurance a full service insurance company - recently recognized as the fastest growing small (under $250 million) credit union insurance company in the nation.• Increased Callahan ROM score from 19th percentile to 69th.• Online & Mobile Banking Conversion.

Assuming leadership of a credit union struggling through the recession; the credit union’s net income had fallen 97% to only $13K in 2009. These struggles were resulting in a reduction of various services and regulatory scrutiny which included a recent CAMEL downgrade. The credit union’s condition can be best summed up in its Bauer Financial rating of 3 (and falling) indicating adequate performance in 2009.In my first year at the credit union net income rebounded to $752K. The following year net income grew to $881K as sales initiatives took hold leading to rapid loan growth. By October 2012 we had $544K; having fallen primarily as a result of the cost of new initiatives we had implemented to restore and improve services. Nevertheless even at this reduced level it was well in excess of the levels before my arrival. The new initiatives included an IT migration and new systems; enhanced training programs; and more.While expenses were controlled turnaround success wasn't achieved traditionally whereby expenses are slashed to the point short term profitability is ensured but long term success suffers. Rather efforts were concentrated on growing profitable areas and exiting areas that were causing out sized losses and not delivering value to existing members. Among those successes were:• Outstanding membership growth; in 2 ½ years since 2010 1,684 net new members versus 529 from 1990 – 2010 excluding membership gains from merger activity.• Net Worth Growth & Income consistently in 90th percentile of PEER credit unions.• 13% average ROE; delivering outstanding returns on the member’s funds entrusted to the credit union.• Bauer Financial rating of 5 the highest rating given to financial institutions indicating superior performance and financial health.

Strong financial institution that achieved faster loan growth in part due to the teams I built and leadership I provided. Tasked with overseeing all aspects of Service delivery, Lending, and Collection functions. In the 2 years prior to my arrival loan & deposit growth each averaged 8% annually. Under my leadership loan growth averaged 22% annually while deposits increased at a 20% annual rate.

Business partner charged with growing the loan, deposit, and ancillary services offered by the bank for business customers with annual revenues in the $5mm to $20mm range.

Turnaround opportunity; hired primarily to provide guidance to a struggling collection area. As an aggressive Indirect auto lender and relatively new commercial lender credit union had rapidly rising delinquency. In 2005 was among the top 2% of credit union’s nationally in delinquency reduction. At the same time increased charge off recoveries 40%.

Manage lending and collection departments. Recruited to lead a turnaround in the Collection department and it’s conversion to Jack Henry's Symitar software.

Manage Collection & Title department. Responsible for credit quality review in Asset Liability Committee and participated in credit union strategic planning.