In this job role, I am overseeing the lending and marketing. This includes programs and policies for mortgage, consumer direct, home equity, commercial lending and indirect dealer lending. Major Roles:Leading cross-functional teams across five divisions, developing/executing sales and marketing strategies, serving as liaison between examiners and auditors, shaping/employing latest strategies for credit union to streamline operational workflow, providing oversight to team of ~35 full-time employees, including SVPs and department managers, and steering development and implementation of new growth strategies.Core Accomplishments:• Achieved total production of $360M in 2022 through execution of strategic planning.• Accomplished exceptional YOY loan growth by executing innovative department and process designs, leveraging technology advancements, and fostering enhanced customer experiences.• Chaired Credit Quality, Senior Loan, and Troubled Debt Restructuring (TDR) committee, as well as acted as voting board member of Asset Liability Management Committee (ALCO).

In this job role, I am overseeing lending programs and policies, including mortgage, consumer direct, home equity, and indirect dealer lending. Major Roles:Leading cross-functional teams across four divisions, developing/executing sales and marketing strategies, serving as liaison between examiners and auditors, shaping/employing latest strategies for credit union to streamline operational workflow, providing oversight to team of ~25 full-time employees, including VPs and department managers, and steering development and implementation of new loan policies, procedures, and programs.Core Accomplishments:• Achieved total production of $360M in 2022 through execution of strategic planning.• Accomplished exceptional YOY loan growth by executing innovative department and process designs, leveraging technology advancements, and fostering enhanced customer experiences.• Chaired Credit Quality, Senior Loan, and Troubled Debt Restructuring (TDR) committee, as well as acted as voting board member of Asset Liability Management Committee (ALCO).

During this tenure, I was manging mortgage, consumer direct, home equity, and indirect dealer lending departments. Major Job Roles:Offering multiple coaching and development opportunities for team of 25 full-time employees, including department managers and VPs and creating/executing latest strategic business plans to increase turn times and improve cohesive underwriting across all lending areas.Key Accomplishments:• Improved underwriting process, boosted loan volumes, and eliminated outdated practices through decision-making approach.

Here, I was responsible for spearheading all aspects of mortgage origination activities, ensuring efficient and compliant processes. Major Duties:Operating as primary administrator for system procedures while executing Encompass Loan Origination System (LOS) and establishing paperless processing environment, developing team infrastructure, expanding full-time employee (FTE) count from four to 15 to create cohesive workforce, ensuring adherence to all mortgage banking compliance and regulatory requirements, acting as liaison for internal auditors, FDIC, and State of NM Examiners, leading all mortgage production reporting, conducting trend analysis, and used forecasting models to support decision-making processes.Signature Accomplishments:• Increased and exceeded mortgage lending from $15MM to $120MM in annual loan production. • Introduced and administered implementation of 15 new portfolio loan programs to expand lending options for customers.• Consistently ranked as #1 mortgage lender for multiple consecutive years by showcasing exceptional performance and market leadership in mortgage industry.

During this period, I was leading all facets of mortgage operations functions, involving compliance, processing, lock desk, underwriting, closing, shipping, and quality control. Major Job Roles:Adhering to set industry standards and guidelines by delivering training on all mortgage banking compliance and regulatory requirements, acting as primary liaison for all mortgage audits and examinations conducted by FDIC, OTS, and State of NM examiners, addressing regulatory concerns, and serving as administrator for third-party vendors and CALYX LOS (Loan Origination System) to manage vendor relationships and system management.Key Contributions:• Devised and employed pricing strategy and lock desk for NYLX/Loan Logics Software, optimizing mortgage rate management.• Optimized overall operations and increased productivity and cost savings by deploying comprehensive process improvements and efficiency initiatives.• Oversaw various mortgage types, such as Portfolio, Construction, FHA, MFA, VA, and reverse mortgages by coordinating with eleven mortgage investors as full recourse correspondent seller.