Michael Shadduck Email & Phone Number

Appleton-Oshkosh-Neenah Area

Directing the strategic growth of member/client relationships. Member of the Senior ManagementTeam, Loan Committee, and the ALM (Asset and Liability Management) Team• Direct all functions of the Lending Department• Participate in external exams with the Regulatory Agencies for the Credit Union• Evaluate portfolio lending, analyzing developing trends, and recommend changes or improvements based on credit union standards.• Approve, underwrite, and condition consumer loans for consumer lenders.• Participate in the strategic planning and management of the credit union.• Direct and oversee loan collections and delinquencies.• Actively participate in Loan Committee to review, condition, and approve loans.

Neenah, Wi

Directing the strategic growth of consumer client relationships, providing comprehensive products, services, and appropriate financial solutions to the client to meet their specific needs. Managing a $20M portfolio of real estate, consumer, and unsecured loans, while vastly improving regulatory compliance for the credit union and identifying new initiatives and products to increase revenue. • Initiated and Implemented Secondary Market Program for FHA, VA, and Fixed-rate mortgages• Increased member revenue through up-selling optional loan and vehicle protection products• Developed a training program for new loan processors and consumer loan officer, advancing their ability to more efficiently, accurately and effectively process loan and credit applications • Delivered an impressive 7% loan growth within a closed charter, meaning the credit union customers can only be members if they are city or government employees in Neenah, WI• Actively managed and reduced severely delinquent accounts by 80%• Collected, analyzed information to assess the customer creditworthiness and merits of existing loans• Steer the Origination and Pricing of Credit Assets., and set and monitor Credit Limits

Developed new business by establishing a focused outreach and communications strategy for customers, prospects, and centers of influence.• Managed and sponsored networking events to drive Realtor and Builder Traffic to generate more relationships, more buyers, shorter sales cycles• Delivered a 20% increase in sales through work as a licensed, inside sales representative • Developed a 1099 Tax Reporting database, standardizing a template and process for nine branch locations; allowing the company to bring the tax prep inhouse and save thousands in accounting fees• Carried out searcher duties for title completion within 48 hours of receipt of order• Analyzed deeds, judgments, tax assessments, mortgages, and liens for Underwriting Compliance • Implemented and Managed Construction loan draws and balancing

Appleton, Wi

Collaborating with a 25-member team, managed the daily accounting of multiple mutual fund accounts with a total asset value of $8B. Provided Thrivent leadership with timely information on mutual fund accounting, equity markets, equity trading, and monitoring of daily trading and general ledger activities. Key member of the Audit Team.• Prepared timely and accurate Net Assets Values, yields, distributions, and fund accounting output for review• Following department policies, managed all accounting records such as securities positions, corporate actions, and journal entries• Reconciled various accounts, and reviewed reconciliations prepared by others, correcting any variances

Provided analysis to support decision-making for complex processes and operations for Claims staff and Financial Representatives. Oversaw performance of a 23-member team. Assisted in planning, designing, and testing business processes (life insurance, annuity products), recommended data conversion to WMA System.• Introduced process for Unclaimed Property initiative that reduced legal expenses of ~$110K/year• Integrated new technology - WMA (Wealth Mgmt. Accelerator - a web-based system) chassis for all Thrivent products, which resulted in a 25% reduction in workforce needs, creating efficiencies and savings • Served as Case Consultant on highly complex and escalated cases (IT, Legal, & Compliance) • Responsible for data quality and report monitoring for trends in the Claims Department • Securities Licensed Customer Service Professional III, Variable Annuities (March 2011 – March 2013), executed trades/asset allocations for Variable Annuities via WMA system, named one in Top 3 for referrals

Oshkosh, Wisconsin Area

Implemented Income, risk, and tax planning strategies focusing on capital preservation and income tax reduction. Provided overall direction to the organization; plan, direct & coordinate all operations. Managed a 3-member team, focused on driving client account growth and cross-selling investment and retirement products. • Delivered on average a 30% increase annually in revenue

Appleton, Wisconsin, United States

Performed extensive analysis for Underwriting Consumer, Residential and Business and effectively analyzed and summarized financial statements for credit analysis, loan origination, and funding. Led mortgage lending and client development for all seven branches and $300M in assets.• Increased existing revenue through cross-selling bank products, referrals to commercial lending by 20% • Grew accounts on average by 20% by providing effective banking solutions for depository and loan service

Developed and managed all aspects of a $30M high-quality loan portfolio and directed branch functions, including loan portfolio management, deposits, and collections. Originated Portfolio, Investment, Government, Secondary Market, Construction, and Commercial loans while supervising a 5-member team.• Bank's Officer Loan Committee Member-provided analysis for all bank portfolio credits up to $2.7M• Introduced FHA Lending to the bank, and increased revenue on low down payment loan programs• Led weekly Branch meetings and formulated branch strategies for cross-selling opportunities, implemented a bonus- referral program to encourage teammates to pursue cross-selling more diligently

Bachelor Of Business Administration (B.B.A.), Accounting And Business/Management

Education record