Responsible for the overall management of the lending operations, driving the expected results outlined by the credit union’s strategic plans. Conducted market research and successfully established strategic fintech lending partnerships, resulting in increased adoption of lending products and significant loan growth. Implemented the Dedicated Loan Processing model, streamlining operations and eliminating friction between sales and processing teams, leading to improved efficiencies and faster loan processing times. Collaborated with Compliance, Operations, and IT teams to enhance the loan origination experience, reducing clicks, automating reports, and updating procedures, resulting in a smoother and more efficient process for both customers and internal stakeholders. Developed Power BI reports to analyze and showcase lending portfolio performance and underwriters' key metrics, enabling data-driven decision-making and providing valuable insights for business strategy. Successfully introduced a new loan program for small recreational vehicles (ATVs, UTVs, Golf Carts).

Successfully led and completed major consumer sales initiatives, transitioning 70% of loan production from branches to a centralized sales team, resulting in increased efficiency and improved customer experience. Created and implemented employee and organizational performance metrics, improving team efficiency and accountability by 15%. Led the successful implementation of the Work-from-Home program, ensuring business continuity and enhancing employee flexibility and satisfaction. Introduced a Virtual Banking Experience at branches, enhancing customer convenience and accessibility, resulting in a 10% increase in customer satisfaction ratings. Successfully launched new loan ancillary products, increasing non-interest income by 20% and expanding revenue streams.

Assisted the Executive Leadership Team in evaluating and assessing the purchase of auto loan participation pools, contributing to informed decision-making and successful acquisitions.Created comprehensive business cases, analyzing revenue and profit opportunities for new products, and conducting cost-benefit analysis for process improvement tools, resulting in data-driven decision-making and improved operational efficiency. Provided valuable insights on competitive market practices to the Executive Leadership Team, enabling them to make informed strategic decisions.Implemented a semi-annual loan portfolio analysis package, utilizing credit migration, static pool analysis, production trends, and profitability assessments to assess the quality of the loan portfolio, identify potential risks, and drive profitability. Maintained consistent and effective communication with stakeholders, ensuring clarity and understanding of complex financial concepts.

Collaborated with Retail Market Manager and Store Managers to drive sales and service, achieving desired consumer loan growth objectives and exceeding targets. Diagnosed training needs and developed action plans to improve performance, resulting in increased productivity and customer satisfaction. Managed and allocated yearly loan growth budgets for all Broward region stores, effectively optimizing resources and maximizing loan growth. Assisted the Retail Strategy Group in implementing sales campaigns, resulting in increased sales volumes and revenue. Liaison between Retail network and Underwriting regarding credit appeal process, credit reviews and pricing issues.

Responsible for reviewing and approving consumer loan applications originated by all the stores located in the assigned territory. Actively participated in mortgage marketing campaigns to increase application volume and exceed goals for new home purchases and refinance. Analyzed applicant financial status, credit and property evaluation to determine feasibility of granting loans. Worked in coordination with loan officers and loan processors to complete closing in a timely manner.