Senior credit / lending executive with an entrepreneurial, multifunctional background and P&L experience gained in: o Consumer & Mortgage Lending o Credit Policy Development o Contact Center Lead Management & CRM Systems o Loan Origination & Credit Systems o On-Line Lending o Product Management & Marketing o Portfolio Management o New Business Start-ups o Sales Management & Customer ServiceBACKGROUNDManaged the Consumer Lending business at two major US Banks. Developed and staffed a new product development unit to evaluate feasibility, conduct focus group research, and execute product development and marketing plans for new consumer loan products. Hands-on experience managing large-scale projects and possess excellent ability to analyze, package and clearly articulate complex issues and gain consensus. Over 10 years establishing and growing a multi-state centralized lending operation. Achieved a 97% customer satisfaction rate. As a Bank Management Consultant developed business plans for local community banks to create new lending units and develop direct distribution channels. Created a strategic business plan for a nationwide Electronic Direct Bank (DeNovo Federal Savings Bank) from concept to bank charter approval.Specialties: KEY SKILLSLeading cross-functional teams, managing multiple projects, organizing and motivating staff, improving productivity, developing product pricing and marketing plans, mortgage banking compliance, managing and controlling costs, re-engineering processes, evaluating outsourcing opportunities, establishing credit risk standards & policies, DeNovo Bank start-up, improving portfolio credit quality.