Service-oriented Chief Executive Officer leading our credit union into the future. I am a highlymotivated leader who has a passion for service, builds trust, cultivates and motivatesstaff, promotes the values of our brand and guides the credit union to strategic goalswith the best interest of our members, employees and financial health of the creditunion and the credit union movement. I take pride in my family, my community, and in helping others. I have a record of successful implementation and achievement of board directed strategic goals and initiatives. As a leader I am continuously looking for product, process, and vendor partnerships to improve services and efficiencies in the spirit of better serving our members. With strategic vision in mind I have been able to add new products for Dow's members such as Credit Cards, enhanced our member technology options by adding Mobile Deposit Capture and other upgrades, implemented an active marketing plan and tactics to increase brand awareness, and increased member dividends paid, all while increasing net income. Sound financial management, clean examinations and audits, and excellent board communication are important to me to ensure the viability of Dow Great Western CU.

Drive the organzations potential profitability, operational compliance efficiency, and generate a future vision which boldly represents and benefits the membership and community as a whole. Using historic and budgeted milestones he continually leads strategic growth to maintain a solid track record of expanding markets while delivering superior service experience to the members.

Enhance the member experience and bring added value to both the members financial needs and the Credit Union's bottom line.

Managed the branch in all aspects of operations and productivity, as if it were a franchise. Paul increased the profitability of his branch from a negative net profit of -$7,000/month to a positive net profit of $61,000/month within six months. He increased mortgage loan production of the branch from a monthly average of $150,000 to a monthly average of $1,500,000 per month. Overall product penetration was increased from an average of 120/mo to 160/mo.

Paul created a sales culture and sales positions completely revamping the way that they do business. He is instrumental in cultivating the staff, incentives, proceedures, training, product enhancements, to gain improved results. He oversees the delivery of retail channels, including branch operations, developing management, training and success of the sales staff.Establishing goals and expectations based on budgeted requirements has given the Credit Union a unified goal from top to bottom. Paul is also the Project Manager on implementation of new programs and partnerships.

Loan product creation, sales, and support were integral for Paul to have taken an underperforming Credit Union from having federal sanctions, to having the #2 rating in the entire country in Home Equity loans per member. He created a successfull pro-active sales culture which involved the creation and evolution of sales incentives and goals. Loan control, decision, compliance, and management of the entire sales and lending staff along with being a member of the Asset Liability Allocation Committee (ALCO) were his responsabilities.Managed entire sales and lending staff

Paul was the driving force for sales as well as the operational branch leader, coach and mentor. His role in the strategic planning, creation of sales strategies, tactical plans, and establishing and tracking goals was essential to the success of the branch and Credit Union. As the Branch Manager he sold, originated, and processed all of the first mortgage loans in the branch.He had a track record for surpassing his goals and achieved his 1st mortgage optimum annual goal of $6 million in only five months. Under his leadership the loan error ratio in his branch improved from 50% to a highly regarded 5%. The keys to his success were his business development, sales strategies, and in his treatment of staff. Practicing the “Love E’m or Lose E’m” philosophy has proven successful in that his branch was the only department that had no turnover over a 15 month period. Other philosophies that we actively practice are “Who Moved My Cheese?”, “Fish”, and “Gung Ho”