Co-Founder and Chief Operating Officer

• Oct 2019 - Present

Enabling systems, technology, underwriting and lending processes to help military service members obtain the credit and respect they deserve when applying for a personal loan. Enabling systems, technology, underwriting and lending processes to help military service members obtain the credit and respect they deserve when applying for a personal loan.

Senior Vice President/Chief Lending Officer

• 2014 - Oct 2019

I led over 120 employees and several teams throughout various sites. The teams I led included contract negotiation, e-branch, underwriting, loan fulfillment, outbound sales, call center, retail and merchant relations, quality control, early delinquency, retail banking offices, and the customer insight and complaint team. I held P & L responsibility for $15M and have many accomplishments, including the following: • Development of credit risk analytics including strategy, risk management, policy and procedures, standards and pricing.• Envisioned and implemented successful decrease in labor costs by 50% while increasing operational efficiencies by 40% through restructure and cross training of all consumer facing teams.• Decreased lending operation errors by 10% through the introduction of quality control teams, a measure which was later adopted throughout the company.• Created vision to increase national operational capabilities to $1B from $300M while exceeding efficiency objectives by 30% by expanding multi-unit operations teams to multi-channel environment.• Developed and implemented talent review program, later adopted company-wide.

Vice President/Director of Lending

• 2009 - 2014

During my tenure in this position I held $15M in P & L responsibility and directed an 80+ member team prior to earning a promotion to Senior Vice President and Chief Lending Officer. I planned and implemented product launch strategies for new markets and market lines and ensured full compliance with all regulations and policies. .My accomplishments during my time in this position include the following: • Decreased queue time by over 60% through the redevelopment and introduction of an online and retail lending environment loan fulfillment process. • Reduced system and manual errors by 20% and gross charge offs by 10% after developing and introducing exception reporting criteria and accountability metrics. • Demonstrated a thorough knowledge of Regulations B, P, V, Z, E, UDAAP, E sign ACT, TPRM, OFAC, TCPA, BSA/AML, Fair Lending Practices, and Safety and Soundness Standards.

Senior Loan Manager

• 2007 - Apr 2009

As the Senior Lending Manager for Pioneer Services I directed a team of over 50 loan officers and loan fulfillment team members while holding responsibility for $300M annually in online loan originations. My accomplishments in this position include the following: • Reduced costs by 15% and increased revenue by 20% while also increasing efficiency.• Successfully increased market penetration.• Implemented initiatives resulting in a 50% reduction in queue time.• Set loan originations and product-cross-sales earning record.

Area Manager

• 2003 - 2007

During my tenure in this position I led multiple branches throughout the central region and held $2M in P & L responsibilities as well as developing and implementing business and marketing plans. My accomplishments in this position include the following: • Led a 30% growth in local branch and online business with a 50% loan volume increase, while successfully increasing consumer awareness.• Served on the ASYMCA and AUSA boards, resulting in stronger relations with community groups and businesses.• Collaborated in the development and leadership of financial awareness presentations.• Earned promotion to Senior Lending Manager in 2007.

Manager

• 1996 - 2003