I take pride in leading and developing a high-performing team across various lending areas, including Consumer, Commercial, Mortgage, Home Equity, Indirect Underwriting, Loan Operations, Loan Servicing, Lending Sales, and Collections. I strategically oversee all aspects of the credit union's lending programs, aligning our efforts with organizational objectives to drive loan growth, maintain portfolio quality, and enhance member satisfaction. With a commitment to innovation, I directly influence product development, portfolio diversification, and risk-based pricing strategies to meet the evolving needs of our members and adapt to market trends.Leveraging data analytics, I monitor and optimize the quality, mix, and performance of our loan portfolio while ensuring compliance with regulatory standards and internal policies. Collaboration is central to my approach, and I work closely with internal teams and external partners to promote diversity, equity, inclusion, belonging, and accessibility within our lending practices and community engagement.As part of the senior management team, I provide strategic leadership that shapes our organizational strategy, drives a positive corporate culture, and supports the credit union's mission. I actively contribute to strategic planning, asset-liability management, and innovative product development to ensure our financial health and position in the market remain strong.Through evaluation and recommendations, I refine lending programs, underwriting practices, and collections policies, ensuring we achieve organizational goals while maintaining delinquency and charge-off ratios within target ranges. Additionally, I am steadfast in ensuring compliance with all federal, state, and local regulations, fostering a culture of ethical and responsible lending practices.

I've championed initiatives that significantly enhanced operational efficiency, service quality, and compliance across a broad spectrum of lending services. My leadership has been pivotal in achieving remarkable loan growth, with an 8-year average exceeding industry benchmarks, and spearheading the strategic direction for diverse loan programs. My focus on innovation, particularly through the adoption of AI tools, has driven both revenue growth and strategic expansion. I've built and led high-performing teams, fostering a culture of teamwork and innovation, and developed key partnerships to support community financial well-being. My commitment to excellence is demonstrated through consistent delivery of outstanding results, strategic planning, and a dynamic approach to leadership.

Overseeing a $213 million consumer loan portfolio, I enhanced credit risk management, achieving stellar federal ratings consistently. My leadership in cross-departmental initiatives spurred a $90 million rise in mortgage loan originations and saved $100,000 annually through procedural enhancements. By centralizing underwriting and collections, I significantly improved customer service and compliance. Implementing loan origination and pricing software led to a notable increase in net interest margins and a $20,000 reduction in expenses. I also introduced new products for high-income clients, opening new markets and boosting loan originations, while playing a pivotal role in strategic committees, using my expertise in consumer compliance to effectively manage the bank's fair lending program.

• Managed a portfolio of commercial and small business loans, consumer loans, and deposit accounts. • Responsible for compliance with all banking laws and regulations. • Participated in all aspects of loan origination including outside sales calls, underwriting and collecting.• Identified customer needs and sold appropriate deposit and loan products. • Performed credit analysis, underwriting, and decision making for small business and commercial credit applications up to personal loan authority or presented to approval authority when loan amount exceeded personal authority.

• Led daily operation of branch activities including recruiting, coaching, and team motivation.• Sold bank products including consumer and small business loans, annuities, mutual funds, and deposit products and enhanced customer relationships through cross-department referrals.• Managed relationships with existing business customers and fostered new customer relationships through community involvement and business to business sales calls.• Counseled loan applicants on credit reports and how to improve credit ratings and structure loan requests for approval.

• Responsible for operations and sales management of a consumer finance branch office including loan origination, negotiation, documentation, underwriting, employee recruiting, hiring, training, motivating, and retention.• Grew market share by prospecting and calling on local business owners.• Exceeded goals in categories including portfolio growth, collections, profitability, and legal compliance.

• Responsible for operations and sales management of a consumer finance branch office including loan origination, negotiation, documentation, underwriting, employee recruiting, hiring, training, motivating, and retention.• Grew market share by prospecting and calling on local business owners.• Exceeded goals in categories including portfolio growth, collections, profitability, and legal compliance.• Counseled subprime borrowers on credit usage and steps to improve credit rating for loan qualification.

• Called on new and existing customers to identify needs and sell new loan origination or refinance of existing accounts.• Counseled subprime borrowers on credit usage and steps to improve credit rating for loan qualification.