Rick Leonardi, Cga Email & Phone Number

Miramar Beach, FL, US

Miramar Beach, Florida, United States

Residential/Commercial Appraiser/Umpire

Destin/Fort Walton Beach, Florida Area

Independent General Adjuster experienced in residential and commercial property and casualty claims. Experienced with mediation and large loss claims. Proficient with Xactimate. NFIP certified. Certified with American Family, MetLife, USAA, ASI, Gulfstream. Experienced in processing claims for 50+ carriers. Licensed in Florida, Georgia, Alabama, Louisiana.

Increased Net Worth in troubled credit union from 2% to over 10%Reduced net charge-offs from 5% to.19% over a four year periodReduced net delinquency from 6% to.29% over a four year periodDirected site selection, acquisition, and development of new branchDirected acquisition and deployment of off-site ATM'sCast vision for organization name change.

Various

Functioned as Interim CEO in troubled credit unions with a CAMEL 4 ratingDeveloped rapport with Board and Regulators in order to facilitate needed changesDeveloped and revised necessary policies to achieve compliancePrepared Net Worth Restoration PlansPerformed expense reduction and budgeting analysesPrepared post-merger scenarios and financial.

Increased membership from 6,500 to 11,400 over a 60-month periodIncreased assets from $36M to $53M over a 60-month period, maintaining net capitalCast organization vision, obtaining cooperation from officials and unionized staffDeveloped and implemented policies, procedures, and bylaw changesDesigned and implemented long-term strategic and annual business.

Managed $28MM loan portfolio consisting of mortgages, investment property, consumer loans, and student loansGrew loan portfolio from $18MM to $28MM during tenureDesigned and implemented an ARM program, growing mortgage loans from $3MM to $14MM over a 60 month periodDesigned and implemented new credit card programsDesigned and implemented risk-based lending.

Managed delinquency on an $18MM loan portfolio consisting of consumer, credit card, mortgage, and student loansReduced delinquency from 1.98% to 1.11% over a six month period without increasing charge-offsHandled administration of all repossessions, foreclosed properties, bankruptcies, judgments, and post judgment remediesPerformed payroll, fixed asset.

Performed branch opening/closing proceduresManaged a $2MM consumer loan portfolioPerformed collection on delinquent accountsResponsible for handling all repossessions and bankruptciesSupervised 6 employees