Experience

Heritage Community Credit Union

• Financial Services
• 1 - 100 Employee

• Financial Services and B2B Sales Executive

  • Jun 2015 - Dec 2015

  Responsible for all activities related to credit and collection administration, along with implementing CLO strategic initiatives



CU Direct

• United States
• Financial Services
• 1 - 100 Employee

• Regional Vice-President

  • Mar 2004 - Mar 2014

  Regional Vice President Sales and Operations Directed a 5 state region that was responsible for revenue growth, market penetration and product and services placement Grew revenue. Exceeded sales growth. Provided consulting services to clients to assist them in achieving higher levels of performance • Grew five-state region to achieving the highest revenue results within the company. Contributing 35% to overall division revenue. • Expanded customer base to include 250 credit unions… Show more Regional Vice President Sales and Operations Directed a 5 state region that was responsible for revenue growth, market penetration and product and services placement Grew revenue. Exceeded sales growth. Provided consulting services to clients to assist them in achieving higher levels of performance • Grew five-state region to achieving the highest revenue results within the company. Contributing 35% to overall division revenue. • Expanded customer base to include 250 credit unions and 2500 car dealerships. • Exceeded growth and sales goals for 10 consecutive years, while maintaining customer service standards, via a relationship and consultative service approach. • Contracted two of the top-ten credit unions in the United States. • Created market analysis for clients that was implemented company wide. This outlined benchmarks and process improvements for their business. Resulted in growing their business thereby serving our customers, enhancing relationships and contributing to customer retention. • Sustained, year-over-year, a net positive customer retention rate. • Maintained a 90% market penetration in core markets. • Developed a standardized dispute resolution process that maintained customer relations and satisfaction. Show less



Sierra Central Credit Union

• United States
• Banking
• 1 - 100 Employee

• Sr. Vice-President Lending Operations

  • Feb 2001 - Dec 2003

  Senior Vice President Lending Operations Directed and managed all lending operations, including branch, consumer and real estate, collections and marketing functions for a $400 million loan portfolio, 17 branches and 3 loan centers. Sierra Central Credit Union (continued) • Designed and implemented a risk analysis and control system where none existed in the marketplace. Regulators commented, “No one has ever done this before.” • Developed process standards, quality… Show more Senior Vice President Lending Operations Directed and managed all lending operations, including branch, consumer and real estate, collections and marketing functions for a $400 million loan portfolio, 17 branches and 3 loan centers. Sierra Central Credit Union (continued) • Designed and implemented a risk analysis and control system where none existed in the marketplace. Regulators commented, “No one has ever done this before.” • Developed process standards, quality control and risk metrics that improved efficiencies and reduced risk. Processing time reduced by 50% for consumer loans and 200% on real estate loans. • Conceived and implemented employee standards, training and development programs that enhanced employee performance, and created entity wide consistency and expectations. • Repositioned credit matrixes via credit scoring models and loan level behaviors. This allowed improved quality, loan growth and greater efficiency. • Created cross sell programs that doubled consumer and real estate growth and increased market share with reduced risk. • Awarded 2002 Employee of the Year for contributions that moved the organization forward Show less



Wells Fargo - The Money Store

• Assistant Vice President, Risk Management and Operational Audits

  • Mar 1996 - Nov 2000

  WELLS FARGO MONEY STORE, Sacramento, CA 1996 - 2000 A national originator and servicer of real estate and automotive loans through direct, wholesale and government sponsored programs. Assistant Vice President, Risk Management and Operational Audits. Utilized industry expertise to develop and implement corporate wide risk reviews of the consumer lending group, branches and companywide operations for $2 Billion in annual loans. • Ensured adherence to company policies and… Show more WELLS FARGO MONEY STORE, Sacramento, CA 1996 - 2000 A national originator and servicer of real estate and automotive loans through direct, wholesale and government sponsored programs. Assistant Vice President, Risk Management and Operational Audits. Utilized industry expertise to develop and implement corporate wide risk reviews of the consumer lending group, branches and companywide operations for $2 Billion in annual loans. • Ensured adherence to company policies and federal and state lending operations laws and regulations. Provided executive level reports outlining areas of compliance or key areas of required improvement. • Standardized audit processes, identified high-risk areas and established key control metrics, improving efficiencies and minimizing risk potential. Identified over 100 instances of organized misrepresentations. • Developed a companywide risk assessment model and training program that centralized risk concerns. This enabled the organization to better focus operational efforts • Recognized the need for and implemented a monthly standardized executive management roll-up report. Improved efficiency, accuracy and timeliness by 25%. Show less



Household Finance, Wells Fargo & CA Optometric CU

• Branch Manager

  • Feb 1985 - Mar 1996

  Responsible for all branch loan and operations