Kyle Lowe Email & Phone Number

Lithia, Fl, Us

United States

Tampa, Florida

• Lead strategy/vision of credit union with $445M assets under management, directly reporting to the CEO.• Oversee seven Vice Presidents and Managers responsible for lending, collections, marketing, human resources, business development, accounting, compliance, and operations staff. • Liaise with federal regulators and auditors to ensure compliance. Develop and implement modernized policies, procedures, and best practices for sustained growth and program innovation. • Collaborate with cross-disciplinary leadership to drive strategic planning; foster performance- driven culture aligned with short- and long-term goals while also catering to members’ evolving needs. • Guide business development and continuous improvement discussions as member of Asset Liability Management committee and liaison between CEO and the credit union. • Introduce and grow product lines and member services, spanning direct and indirect lending, participation lending, and member service products.

Fort Gordon, Ga

• Recruited to direct credit union operations strategy with oversight of $66M in assets and staff of 21. • Achieved 71% increase in assets under management over ten-year period. • Spearheaded conversion to state-chartered community credit union, which benefited organization by increasing flexibility in membership rules. • Authored and continually updated policy and procedures. Remained abreast of lending, operations, and market trends to best serve members. • Instituted employee training initiatives to further enhance the member experience by upselling relevant products, such as auto and home equity lines of credit loans. • Implemented indirect lending program that spurred loan growth and improved earnings.• Partnered with department heads to identify process improvements, including automating reporting and standardizing new codes of contractual terms as well as compliance-oriented protocols.

Greenville, South Carolina, United States

• Developed and drove strategy of credit union. Coached and mentored team of four department heads overseeing nine staff across operations, customer service, loans, and business development. • Partnered with Board of Directors to revamp policies and procedures, safeguarding organization against financial risks. Pitched and won approval of new product and service development and marketing plans. • Analyzed and presented operational and financial updates regularly to the Board and Supervisory Committee, often offering recommendations for improvement. Steered financial analysis and budgeting. • Prioritized work culture/environment enhancements to keep employees motivated and engaged; introduced training and development program, creating robust internal talent pipeline. • Collaborated closely with marketing and business development teams to strategize on member acquisition tactics with special focus on increasing community engagement. • Audited and updated rates for loans and shares based on changing market conditions. Prepared asset liability management analysis frameworks and investment strategies, utilizing excess funds.

Tallahassee, Florida, United States

• Recruited to direct financial optimization and expansion of credit union with three finance/accounting staff and $174M in assets. Established and aligned accounting objectives with organizational goals.• Leveraged previous eight-year experience as credit union financial examiner with the National Credit Union Administration to monitor and maintain financial health, ensuring conformance with state and federal law. • Regularly called upon by Board of Directors and CEO to advise on operational efficiencies, internal controls, and technology upgrades to further modernize organization.• Compiled monthly Board package. Acted as liaison with examiners and regulators, responding to inquiries and overseeing internal and external auditing procedures. • Developed annual budget and approved expenditures; led assessments of vendor relationships to determine opportunities for improving pricing or service quality.

Calhoun, Tennessee, United States

• Led strategy/vision of credit union with $100M assets under management. Oversaw five staff specializing in loan, accounting, marketing, collections, and member services.• Prepared and presented monthly financial reporting to Board of Directors; developed and continually audited corporate policies and procedures to ensure regulatory compliance as well as efficient operations. • Spearheaded enhanced technology integrations/implementations, improving data management/integrity, internal processes, and the customer experience. • Analyzed asset liability and invested excess funds to boost financial return. Built short- and long-term strategy roadmaps focused on advancing innovation and talent pipeline through training and development.