A key member of the Executive Management team and Chairman of ALCO for this $225 million state chartered credit union. Chairman CECL implementation committee. Chairman RFP committee. Responsible for the investment portfolio, asset/liability, liquidity and cash management, cost control, budgeting, and contract negotiation, review and mitigation. Re-engineered the investment portfolio to improve risk-adjusted returns and increase predictable cash flows. De-facto member assisting in determining ways to increase loan growth and enhance loan profitability. Developed enhanced internal controls to mitigate risk and control costs across the organization. Oversee Accounting, Card Services, Member Service Center, Support Services, internal and external audit functions, TCUD and NCUA examinations and contract review and negotiation. Report to CEO.

A federally chartered credit union with operational and staff deficiencies. Hired with the objective to implement positive change. Developed a Board and NCUA approved Action Plan designed to increase loans and quality net income, decrease expenses, enhance the member experience, improve the relationship with two of the main Employee Groups: University of Pittsburgh and UPMC Health Center and to engage and empower the staff. In a short time period, accomplished all of the objectives with significant positive change in all categories of loans, net income, employee morale, and member experience.

A strategic visionary hired to manage this "troubled" credit union that was struggling with many operational and financial deficiencies. Highly successful collaborator with the Board of Directors, Management, Staff and Regulators to accomplish objectives. Constructively negotiated with contractors, vendors, attorneys and some of the largest companies in the world to save the credit union hundreds of thousands of dollars over a 3-year period. Methodical, yet decisive and analytical. Extreme member, staff and community focused. •Reengineered staff & developed a highly successful plan to engage staff at all levels to increase efficiencies; •Created a capable, productive and highly engaged senior management team;•Renegotiated all contracts and agreements - saved the credit union over $500k;•Lead conversion of the Core Processor-increased efficiencies while lowering monthly cost by over $5k;•Authored a Board-approved Action Plan sanctioned by the Virginia SCC – Bureau of Financial Institutions;•Streamlined the loan underwriting process - decreased turnaround time for loan approvals from 3 days to 2 hours and increased prudent loan growth 20% in 6 months;•Developed an in-house Collections Dept.- Reportable delinquencies decreased from 3.5% to < .60% in 1 yr;•Restructured investment portfolio – Mitigated risk, increased predictable CFs and experienced $300k profit;•Developed and implemented competitive and successful loan products, programs and services;•Heavily involved in all aspects of new Corporate Headquarters and new branch office construction;•Orchestrated the “friendly” merging of MTCU into BayPort Credit Union – saved 100% of staff jobs.

• Oversaw Accounting & Finance, data processing, ALM, budgeting, strategic planning, regulatory reporting, forecasting, investment portfolio, compliance, IT, examiner/auditor communication, and credit card services;• Established, monitored, and enforced policies and procedures to ensure safe and sound business practices;• Prepared analysis of financial projections for new products, branch opening/closing, capital expenditures and expenses;• Chairman of ALCO;• Developed and implemented the Risk-Based Pricing program which helped to increase loans 33%;• Implemented a plan that helped decrease expenses 20% within 2 years;• Inherited a troubled department and turned it into a very productive and enthusiastic group;• Reason for leaving: Discovered improprieties that began before my hire. Details can be discussed confidentially.

Evaluate the operations and risk factors associated with credit unions with assets $5M to $1Billion;Review lending process and decisions and ensured compliance with laws and regulations;Review findings of examination with management and directed corrective action;Assess the risk and performance of the credit union's investments;Reason for leaving: Recruited by P&G FCU to be their Chief Financial Officer

Managed a large volume of complex accounts;Series 7, 63 and 24 NASD licenses;

•Started up and managed department in a $200 billion multinational financial services organization;•Through analysis and market research brought in over 2000 non proprietary mutual funds for the sales staff; •Developed policies, procedures, internal controls, and vendor relationships; •Responsible for the accurate and timely investment calculation of over 100 mutual funds;•Negotiated contract with Morningstar Corp. saving Pru Retirement Services > $400,000;•Designed a Risk/Reward Spectrum that was utilized by the Prudential and helped to increase sales•Responsible for 25 employees;

Experienced industry hire Examined commercial banks with assets ranging from $10 million to $5 Billion.Reviewed and risk weighted commercial, business and consumer loans to determine the quality of loan review

Institutional Bond SalesDoubled sales revenue each year and exceeded personal sales goals 1988 – 1992;Obtained 2 of the largest mutual fund and insurance companies in the industry as clients;Promoted to Asst. VP in 1988 becoming the youngest in this $2 Billion bank’s history.