Managed day to day loan operations work out functions for bank clients. Instructed and guided clients concerning Freddie Mac's policies and procedures. Helped direct clients production activities during an extremely challenging foreclosure and short sale economic environment. Ensured loan workouts were in compliance with corporate and government program guidelines. Managed a staff of 25 employees and hired a contingent work force of 10 to handle clients' loan workout inventory.

Oversaw the credit function to ensure that the credit staff and loan officers operated in accordance with applicable lending laws and regulations, as well as the bank's policies and procedures as approved by the Board of Directors. Periodically reviewed and evaluated the adequacy and effectiveness of policies and procedures for safety and soundness. Administered and supervised credit officers in structuring commercial and consumer real estate transactions resulting in excellent loan credit quality.

Directly responsible for the overall credit quality of the consumer and residential loan portfolios of $1.6 billion. Managed the collection, recovery, loss mitigation, work out and foreclosure activity of the consumer bank. Responsible for lending compliance in the community lending division. Evaluated and developed lending policies and procedures to continue to meet regulatory guidelines and business strategy of the bank. Conducted and presented quarterly loan loss trend and portfolio risk analysis to Executive management. Managed an annual budget of $1.5 million which consisted of primarily managing loan servicing and collection vendors.*Created a quality review process for the consumer loan portfolio.*Increased recovery dollars for five consecutive years.*Limited residential real estate foreclosure losses to less than $20,000 for a five year period.*Improved portfolio management reporting for the residential loan portfolio by providing more loan performance detail.*Drove total portfolio delinquency trend downward from 1997 to 2005.*Consistently received satisfactory and higher rating for audits as well as safety and soundness exams from internal audit and the Office of the Comptroller of the Currency.*Served on management team charged with developing a strategy for insourcing consumer loan operations of $400 million portfolio from third party servicer.*Selected to participate on initiative to develop a business strategy to enhance servicing performance and service technology.*Selected to represent the bank at the Office of the Comptroller of the Currency Mid-Size Banks Retail Credit Forum in 2001, 2002 and 2003.

Developed policies, procedures and reports to monitor performance of consumer loan portfolio. Monitored delinquency, recovery, roll and charge off rates. Oversaw collection activities of outside collection vendors. Handled work out initiatives for home equity loans and lines as well as other consumer loan products. Coordinated compliance activities of consumer lending group. Improved loss and recovery reporting.