Daily supervision of the lending, collection, operations, and compliance activities within the credit union. • Lead lending, collections, compliance, and operations teams• Train and direct staff• Maintain and update policies and procedures as needed • Insuring adherence to all state and federal regulations; work with regulators • Work with ancillary vendors to provide file protection• Set up Correspondent Mortgage Program• Compliance and audit reviews• Work with CUSO on mortgages and commercial loans• Monthly Board Reporting

• Small Business Loan Officer analyzing business loan up to $2 million • Home Loan Officer analyzing home loans up to $200,000• Strict adherence to credit policy and procedures • Direct contact with applicants to obtain necessary information to process loan request• Expert at using a variety of financial data, including financial statements and federal tax returns to analyze repayment ability for individual and business loan applicants• Expert at packaging loans over $1 million for D.C. review• Provide excellent customer service while helping applicants through loan process• Expert at utilizing Disaster Credit Management System• Working 60 hour per weeks to provide assistance to those effected by disasters• Expert at Investigating and evaluating credit histories to determine credit worthiness of individuals and businesses• Expert at analyzing real estate collateral to secure loans

• Manage the collections department of $2.0 billion credit union (auto direct/indirect, RV, motorcycle, mortgage, credit cards, consumer, and commercial loans)• Train and direct staff• Reporting and tracking of collections department (delinquency, charge off, assets under management, ROE, recovery, trending)• Oversee bankruptcy and attorney relations• Insuring adherence to all state and federal regulations; work with regulators • Work with ancillary vendors to provide file protection• Compliance and audit reviews• Oversee remarketing efforts• Oversee vendor relations (repo agents, auctions, foreclosure, 3rd party collection agencies, insurance)• Reduced delinquency by 0.23 in 60 day plus (50% reduction); while pushing loss trends down • Streamline remarketing activity• Systems: Meridian Link, Symitar, Vantiv, Insurtrak, IC Business Manager and Eoscar• TDR, workout loans and credit bureau disputes

• Set up and manage auto/motorcycle credit operation• Train and direct 90 branches in large loan lending• Full P & L responsibility; was profitable first year of operation; currently over 30% ROI• Insuring adherence to all state and federal regulations; work with regulators • Work with ancillary vendors to provide file protection• Oversee bankruptcy and attorney relations• Manage dealer relations and sales for Texas and parts of New Mexico and Oklahoma• Train and coach 90 branch managers to sell and maintain dealer relationships• Set up risk base pricing and buying guidelines • Conduct compliance and audit reviews• Supervise 6 auto branches in 3 states• Oversee remarketing efforts

• Strict adherence to credit policy and procedures – business 12 months and less at 0.15% delinquency • Train and coach branch managers to sell and maintain dealer relationships• Ensure collections and servicing levels are met – reduced delinquency 120 bspts and increased efficiency• Oversee remarketing efforts• Oversee bankruptcy and attorney relations• Manage to production and budget goals – reducing expenses more than 80 bspts • Increased average loan by 5K and shifted quality of business from independence to franchise• Improve reporting to track individual performance which increased efficiencies • Ensure audits/SOX are passed; both state and company audits exceeded standards; work with regulators• Conduct compliance and audit reviewsHad full P&L responsibilities

• Set up and oversaw credit operation from ground, and ensured strict adherence to policy• Managed both non-prime and prime analyst for the central U.S.• Ensure lending adheres to credit policy and procedures maintaining 1st payment defaults to 0% • Managed to production and budget goals –maintained a 15% ROI• Set up and serviced over 800 dealer relationships • Train and coach underwriters to build strong relationships with dealerships• Implemented reporting to track individual performance and improve efficiencies • Ensured audits/SOX were passed; all exams exceeded standards • Conduct compliance and audit reviews

• Oversaw credit/funding operation of Central Division with more than $4+ billion in outstandings• Managed a staff of 110 (60 credit/50 funding) employees• Ensured lending adhered to credit policy and procedures • Train and coach underwriters to build strong relationships with dealerships• Managed to production and budget goals –maintained a 15% ROE• Developed new business at rate of 15% a year• Implemented reporting to track individual performance as to increase individual and team efficiency• Partnered with Risk on improving scorecard as to improve quality of business• Implemented training programs to improve funding and credit quality• Ensured audits/SOX were passed • Conduct compliance and audit reviews• Managed a staff of 190+ Collectors, 4 Managers, and 13 Supervisors • Adjusted staff to better meet the needs of the business utilizing better technology• Reduced site delinquency through charge off by 60% • Instrumental in report compilation to track delinquency and identify trends• Implemented reporting to track performance across all areas of delinquency on individual, group, and site level• Partnered with the Funding Department to identify trends (such as fraud) and address / resolve dealer issues• Created daily, weekly and monthly reports including forecasting, results analysis, performance appraisals & reviews • Conduct compliance and audit reviews

Supervised Credit and FundingSupervised 52 branch locationsSupervised National Accounts and AcquisitionsSupervised up to 300 employeesSupervised Service Center of 250 collectors, remarketing, bankruptcy, compliance, and customer serviceFull P&L responsibilities