Experience

• 

  USC Credit Union

  • United States
  • Financial Services
  • 100 - 200 Employee

  • Chief Service Officer

    • Feb 2015 - Present

  • Vice President of Business Development

    • Aug 2013 - Present

  • Vice President of Consumer Lending

    • Jul 2008 - Jul 2013

    • Implement several processes and programs that contribute to the Credit Union's growth • Plan, direct, organize and control the activities related to the Credit Union’s Consumer Loan Department (inclusive of the following loan programs: auto, credit card, signature and lines of credit)• Ensure loan applications and processes conform to established loan policies and regulations• Develop and prepare recommendations for existing and new loan policies, procedures, guidelines and new loan products and services• Responsible for loan pricing by collaborating with the CFO and CEO• Improve overall operational efficiency by automating previously manual inputs• Develop new loan underwriting guidelines in an effort to help reduce overall loan losses and delinquencies• Develop new processes and procedures that lead to greater efficiency in loan processing and loan funding• Implementation, development and marketing of MasterCard credit card program. Exceeded new account acquisition goals on past three promotions and increase in overall outstanding balances and increase overall line utilization• Responsible for Property and Facilities Management and lease renewals for USC Credit Union’s buildings• Provide coaching, motivation and leadership training to Consumer Lending team to achieve funding volume and goals and deliver quality Member Service • Previously responsible for Collections and Loan Servicing activities, which included preparation of loan performance, delinquency reports for monthly charge off proposal to USCCU Board of Directors and quarterly loan classification

• 

  USC Credit Union

  • Greater Los Angeles Area

  • Verious Roles

    • Oct 1983 - Jun 2007
    • Greater Los Angeles Area

    • Implemented Outbound Call Center for Consumer Lending;• Served as USCCU’s Vice President of Consumer Lending for total of (15) years - supervised department of (7) employees and three student workers. Also coordinated the consumer loan functions of Financial Services Representatives for three credit union branch locations as well as the Contact Center Employees to ensure efficient delivery of all consumer lending channels;• Responsible for employment, counseling, coaching, training, motivating and the discipline of assigned employees as well as preparation of annual performance evaluations;• Implemented Risk Based Lending program;• Implemented automated credit scoring and decision matrix;• Decentralized Consumer Lending processes, streamlined automated loan-processing systems to provide efficient loan application processing and funding at the branch levels; • Served on Continuous Process Improvement Team for Call Routing and Two Minute Loan Initiative• Implemented online "Instant" loan decision system for all Consumer Lending products;• Implemented CUNA’s Loan Liner, one-write loan system, improving efficiency and productivity;• Implemented Credit Union Direct Lending (CUDL) Program that resulted in increased loan originations while maintaining overall profitability;• Implemented electronic "paperless title" system, improving monitoring and tracking of vehicle title perfection;• Implemented 24/7 Lending Call Center;• Implemented various ancillary products: Credit Life and Disability, Guaranteed Auto Protection and Mechanical Breakdown Insurance that contribute to increase in non-interest income;• Implemented Credit Union’s Notary Public Service;• Developed Auto Loan Draft System;