Experience

Achieva Credit Union

• United States
• Financial Services
• 200 - 300 Employee

• Consumer Lending Production Manager

  • May 2021 - Present

  Dunedin, Florida, United States -Effectively leads and supervises Consumer Lending Direct team to include assisting with the underwriting of all consumer loan products, processing, implementing Consumer Lending policies and procedures, hiring, training, annual reviews, and scheduling -Responsible and accountable for the Direct Consumer Lending team of 42, including 4 Team Leads -Lending Authority of $250k -Ensure staff is performing to expectations of production goals and service levels -Mentoring and coaching… Show more -Effectively leads and supervises Consumer Lending Direct team to include assisting with the underwriting of all consumer loan products, processing, implementing Consumer Lending policies and procedures, hiring, training, annual reviews, and scheduling -Responsible and accountable for the Direct Consumer Lending team of 42, including 4 Team Leads -Lending Authority of $250k -Ensure staff is performing to expectations of production goals and service levels -Mentoring and coaching staff to peak performance in order to meet/exceed department goals and Balance Scorecard -Manage the daily activity of the Consumer Lending Direct team to ensure full compliance with applicable laws, regulations and internal policies and procedures -Proficient in Temenos and Keystone Show less



MAX Credit Union

• United States
• Financial Services
• 100 - 200 Employee

• Consumer Loan Underwriter

  • Mar 2020 - Mar 2021

  Montgomery, Alabama, United States -Responsible for all underwriting of direct and indirect loans including: auto, secured and unsecured loans, secured and unsecured credit cards, lines of credit and HELOC's -Lending authority of $175K -Reviews loan applications and performs initial financial evaluations, which includes reviewing credit reports, value of collateral, computation of repayment schedule and interest rates -Uses thorough knowledge of lending philosophies, policies, and procedures to open new accounts for non… Show more -Responsible for all underwriting of direct and indirect loans including: auto, secured and unsecured loans, secured and unsecured credit cards, lines of credit and HELOC's -Lending authority of $175K -Reviews loan applications and performs initial financial evaluations, which includes reviewing credit reports, value of collateral, computation of repayment schedule and interest rates -Uses thorough knowledge of lending philosophies, policies, and procedures to open new accounts for non members closing at preferred dealerships while adhering to all necessary requirements -Maintains loans in Symitar, SAIL and Meridian Link -Assists in processing monthly reserve statements, balances and cuts monthly checks to dealerships in a timely manner. -Assists in funding deals for dealerships as needed Show less



Nicholas Financial Inc.

• United States
• Banking
• 100 - 200 Employee

• District Manager

  • Jun 2018 - May 2019

  Tampa/St. Petersburg, Florida Area -Successfully managed eight individual branches throughout the state of Florida -Underwriting exceptions completed for all branches -Ensured that assigned branches generated a high volume of quality direct and indirect loans -Reviewed collection reports and effectively negotiated acceptable payment arrangements -Maintained the training and coaching of the staff and periodic evaluations -Ensured that assigned branches demonstrated effective branch management -Maintained… Show more -Successfully managed eight individual branches throughout the state of Florida -Underwriting exceptions completed for all branches -Ensured that assigned branches generated a high volume of quality direct and indirect loans -Reviewed collection reports and effectively negotiated acceptable payment arrangements -Maintained the training and coaching of the staff and periodic evaluations -Ensured that assigned branches demonstrated effective branch management -Maintained compliance within industry standards -Responded to all customer issues as needed -Extensive dealership development, as well as development of local business's for our consumer loan portfolio -Cross-sold NFI products and services -Traveled extensively to the branches assigned to my region and filled the role of Branch Manager due to vacancies, newly created branches, and/or staffing issues and needs -Effective P&L Management throughout the district.

• Senior Branch Manager

  • Jan 2000 - May 2018

  New Port Richey, FL / Tampa Bay, FL / Southeastern and Central US -Opened the New Port Richey, Florida branch servicing Pasco, Hernando, Hillsborough, and Citrus Counties -Responsible for all branch operations including, but not limited to dealer development, extensive indirect, direct, and consumer loan underwriting, funding, collections, cross selling NFI products and services, management of the staff, reviewing all reports pertaining to our indirect and direct business -Responsible for managing my portfolio of accounts, write offs, repossessions… Show more -Opened the New Port Richey, Florida branch servicing Pasco, Hernando, Hillsborough, and Citrus Counties -Responsible for all branch operations including, but not limited to dealer development, extensive indirect, direct, and consumer loan underwriting, funding, collections, cross selling NFI products and services, management of the staff, reviewing all reports pertaining to our indirect and direct business -Responsible for managing my portfolio of accounts, write offs, repossessions, skip tracing, and maintaining compliance within the industry regulations. Deal review and branch auditing of all loans and documents -Effective P&L management, coming in top 5 in ROA and net income year over year -This office has consistently maintained some of the lowest write offs, total dq, and over 30 day delinquency in the company, since it's inception. -Responsible for all staff supervisions and reviews -Responsible for staff training, mentoring, and coaching September 2001-January 2006 Ran a department called the Virtual Branch which handled the opening of 22 branches in South Carolina, North Carolina, Virginia, Maryland, Ohio, Indiana, Kentucky, and Miami Fl. -My department was responsible for all underwriting, funding, collecting, and training of the future branch managers, while waiting for each of their respective offices to open. I traveled regularly to each city to work on dealer development with each rep, and then again to help set up and establish each branch when we opened them. January 2000-September 2001 -Started as an account manager. Responsible for parts of Pinellas and Pasco counties, and all of the Sarasota/Bradenton area developing business, and making effective sales calls to new and existing dealers -Cross-sold all NFI products and services