Experience

Credit Union 1

• United States
• Financial Services
• 200 - 300 Employee

• CEO/President

  • Jan 2020 - Present

• EVP, Chief Operations Officer

  • Jan 2018 - Dec 2019

  Responsible for providing the leadership and vision for the branch network operations, marketing, sales, service and business development areas of the credit union. In addition to responsibility for the physical infrastructure of the branch network ensuring that branches provide the necessary environment for completing Credit Union1 mission of providing convenient and competitive services



Nationwide Acceptance LLC

• United States
• Financial Services
• 1 - 100 Employee

• Chief Credit Officer, SVP Credit Operations

  • Apr 2017 - Jan 2018

  - Oversee corporate credit quality, branch operations, marketing, and business development to acquire new customers. - Established policies, procedures, and systems to promote operational efficiencies, generating service culture that promotes a positive customer experience to attract new customer base - Create marketing components to drive brand new business growth for personal loans, attracting local Illinois customers - Collaborate with the executive team to carry out the strategic… Show more - Oversee corporate credit quality, branch operations, marketing, and business development to acquire new customers. - Established policies, procedures, and systems to promote operational efficiencies, generating service culture that promotes a positive customer experience to attract new customer base - Create marketing components to drive brand new business growth for personal loans, attracting local Illinois customers - Collaborate with the executive team to carry out the strategic plans and goals for Nationwide. Show less - Oversee corporate credit quality, branch operations, marketing, and business development to acquire new customers. - Established policies, procedures, and systems to promote operational efficiencies, generating service culture that promotes a positive customer experience to attract new customer base - Create marketing components to drive brand new business growth for personal loans, attracting local Illinois customers - Collaborate with the executive team to carry out the strategic… Show more - Oversee corporate credit quality, branch operations, marketing, and business development to acquire new customers. - Established policies, procedures, and systems to promote operational efficiencies, generating service culture that promotes a positive customer experience to attract new customer base - Create marketing components to drive brand new business growth for personal loans, attracting local Illinois customers - Collaborate with the executive team to carry out the strategic plans and goals for Nationwide. Show less



NextGear Capital

• Financial Services
• 400 - 500 Employee

• Division Vice President Sales and Operations

  • Sep 2014 - Mar 2017

  - Led 9 Regional Sales and Operations Directors and 1 Director of Business Development to provide innovative lending and integrated product solutions for customers to increase efficiencies and profits through the use of pioneering technology and a total commitment to customer service. - Created marketing plans to meet clients specific needs to increase product penetration and increase client profitability. Utilized technology and marketing plans to help clients exceed industry expectation… Show more - Led 9 Regional Sales and Operations Directors and 1 Director of Business Development to provide innovative lending and integrated product solutions for customers to increase efficiencies and profits through the use of pioneering technology and a total commitment to customer service. - Created marketing plans to meet clients specific needs to increase product penetration and increase client profitability. Utilized technology and marketing plans to help clients exceed industry expectation - Created phone sales process for business development team of 35 that generated 650 new clients monthly on average for 7800 new clients of brand new client growth and revenue. - Division Vice President of Sales and Operations, was part of the executive team to carry out the strategic plans and goals designed for NextGear and other Cox Automotive partnerships (Autotrader, Kelly Blue Book, Manheim, etc.) - Proactively developed policies, procedures, and systems to promote operational improvements as well as ensuring a sales and service culture through enhanced technology and marketing efforts. Show less - Led 9 Regional Sales and Operations Directors and 1 Director of Business Development to provide innovative lending and integrated product solutions for customers to increase efficiencies and profits through the use of pioneering technology and a total commitment to customer service. - Created marketing plans to meet clients specific needs to increase product penetration and increase client profitability. Utilized technology and marketing plans to help clients exceed industry expectation… Show more - Led 9 Regional Sales and Operations Directors and 1 Director of Business Development to provide innovative lending and integrated product solutions for customers to increase efficiencies and profits through the use of pioneering technology and a total commitment to customer service. - Created marketing plans to meet clients specific needs to increase product penetration and increase client profitability. Utilized technology and marketing plans to help clients exceed industry expectation - Created phone sales process for business development team of 35 that generated 650 new clients monthly on average for 7800 new clients of brand new client growth and revenue. - Division Vice President of Sales and Operations, was part of the executive team to carry out the strategic plans and goals designed for NextGear and other Cox Automotive partnerships (Autotrader, Kelly Blue Book, Manheim, etc.) - Proactively developed policies, procedures, and systems to promote operational improvements as well as ensuring a sales and service culture through enhanced technology and marketing efforts. Show less



Michigan Schools and Government Credit Union

• United States
• Banking
• 200 - 300 Employee

• Chief Lending Officer

  • Jun 2012 - Aug 2014

  Collaborated with the executive team to carry out strategic vision and operation execution of loan production and membership growth throughout branch network of a $1.2 Billion Credit Union. • Indirect production grew from $500k monthly volume to $50MM and number #1 retail auto loan in eight county Detroit Member market area. • Credit Union Membership base grew from 80k members to just shy of 100k members in 24 month period driven by marketing and creating of loan development strategies… Show more Collaborated with the executive team to carry out strategic vision and operation execution of loan production and membership growth throughout branch network of a $1.2 Billion Credit Union. • Indirect production grew from $500k monthly volume to $50MM and number #1 retail auto loan in eight county Detroit Member market area. • Credit Union Membership base grew from 80k members to just shy of 100k members in 24 month period driven by marketing and creating of loan development strategies while in CLO position. • Branch network loan volume production of presonal loans and real estate loans grew at above budget pace • Grew Visa Portfolio and Sales Development while in CLO position • Grew Commercial Real Estate Mortgage (CREM) Lending by over 100% while overseeing both sales and underwriting teams, creating partenrships • Responsible for Collections Department -Front End Collections -Strategies, Execution,Bankruptcy,Recovery Department • Leadership provided for Direct Auto Lending, Personal Consumer Loan Lending, Courtesy Pay, Portfolio Management, Complaince, Product Development for all member loan products offered thru all Credit Union distribution channels, Including all Indirect finance channels, Auto, RV, Marine, Indirect Sales and Lending responsibilities as well Commercial Sales and Underwriting responsibilities, and Real Estate/Mortgage Lending - Sales and Underwritng team • Implemeted market leading Indirect lending platform: recruited entire Indirect Lending team members for Sales, funding and underwritng team -Auto,RV,Marine,Powersports • Created " Your car is so Money" concept to drvie new membership and loan growth. Radio ad was developed to advertise created concept Show less Collaborated with the executive team to carry out strategic vision and operation execution of loan production and membership growth throughout branch network of a $1.2 Billion Credit Union. • Indirect production grew from $500k monthly volume to $50MM and number #1 retail auto loan in eight county Detroit Member market area. • Credit Union Membership base grew from 80k members to just shy of 100k members in 24 month period driven by marketing and creating of loan development strategies… Show more Collaborated with the executive team to carry out strategic vision and operation execution of loan production and membership growth throughout branch network of a $1.2 Billion Credit Union. • Indirect production grew from $500k monthly volume to $50MM and number #1 retail auto loan in eight county Detroit Member market area. • Credit Union Membership base grew from 80k members to just shy of 100k members in 24 month period driven by marketing and creating of loan development strategies while in CLO position. • Branch network loan volume production of presonal loans and real estate loans grew at above budget pace • Grew Visa Portfolio and Sales Development while in CLO position • Grew Commercial Real Estate Mortgage (CREM) Lending by over 100% while overseeing both sales and underwriting teams, creating partenrships • Responsible for Collections Department -Front End Collections -Strategies, Execution,Bankruptcy,Recovery Department • Leadership provided for Direct Auto Lending, Personal Consumer Loan Lending, Courtesy Pay, Portfolio Management, Complaince, Product Development for all member loan products offered thru all Credit Union distribution channels, Including all Indirect finance channels, Auto, RV, Marine, Indirect Sales and Lending responsibilities as well Commercial Sales and Underwriting responsibilities, and Real Estate/Mortgage Lending - Sales and Underwritng team • Implemeted market leading Indirect lending platform: recruited entire Indirect Lending team members for Sales, funding and underwritng team -Auto,RV,Marine,Powersports • Created " Your car is so Money" concept to drvie new membership and loan growth. Radio ad was developed to advertise created concept Show less



Byrider

• United States
• Financial Services
• 700 & Above Employee

• President Company Stores

  • Jun 2010 - Jun 2012

  Collaborate with the executive team to drive strategic vision and operational execution for the United States largest used car finance company store franchise network. Repsonsible for 30 store branch network Oversaw all Business Unit Functions including: - Marketing : Which included all Media Purchasing budgets, Advertising on TV and radio as well as all digital and SEO optimization for the branch store network. - Sales : Creating sales scripts to help increase sales closure rates… Show more Collaborate with the executive team to drive strategic vision and operational execution for the United States largest used car finance company store franchise network. Repsonsible for 30 store branch network Oversaw all Business Unit Functions including: - Marketing : Which included all Media Purchasing budgets, Advertising on TV and radio as well as all digital and SEO optimization for the branch store network. - Sales : Creating sales scripts to help increase sales closure rates and improve customer experience - Credit/Collections, Risk Operations, Compliance - Portfolio Profitability, Company P&L Responsibility Show less Collaborate with the executive team to drive strategic vision and operational execution for the United States largest used car finance company store franchise network. Repsonsible for 30 store branch network Oversaw all Business Unit Functions including: - Marketing : Which included all Media Purchasing budgets, Advertising on TV and radio as well as all digital and SEO optimization for the branch store network. - Sales : Creating sales scripts to help increase sales closure rates… Show more Collaborate with the executive team to drive strategic vision and operational execution for the United States largest used car finance company store franchise network. Repsonsible for 30 store branch network Oversaw all Business Unit Functions including: - Marketing : Which included all Media Purchasing budgets, Advertising on TV and radio as well as all digital and SEO optimization for the branch store network. - Sales : Creating sales scripts to help increase sales closure rates and improve customer experience - Credit/Collections, Risk Operations, Compliance - Portfolio Profitability, Company P&L Responsibility Show less



Wells Fargo

• United States
• Financial Services
• 700 & Above Employee

• Senior Vice President - Operations US and Canada

  • Feb 1994 - 2010

  • Directed 5 Regional Vice Presidents supporting 7500 employees and 1200 branch locations • Responsible for $75MM P&L budget, including vendor relationships • Proactive in developing policies, procedures, and systems to promote operational improvements for marketing and selling of loan and customer products for $25B portfolio. • Controlled credit quality, assessed risks and complied with government lending regulations for all loans granted throughout US and Canada. Maintained… Show more • Directed 5 Regional Vice Presidents supporting 7500 employees and 1200 branch locations • Responsible for $75MM P&L budget, including vendor relationships • Proactive in developing policies, procedures, and systems to promote operational improvements for marketing and selling of loan and customer products for $25B portfolio. • Controlled credit quality, assessed risks and complied with government lending regulations for all loans granted throughout US and Canada. Maintained Industry’s only Triple AAA credit rating. • Led expense control for corporate reform across all business functions, reducing expenses by $50MM. • Collaborate with the executive team to carry out the strategic plans and goals designed for corporate goals and strategies. Set corporate vision for department; built strategic alliances in all business functions by creating and sharing best practices. Select Highlights ➢ Spearheaded merger of 2-$11 billion entities into 1 business unit. Facilitated combining process/procedures of risk analysis and sales/marketing of products. Integrated 2 systems of records, combined credit, underwriting, and sales. Realigned operational functions/geographical lines, combining operational centers, smoothly shutting down 9 locations and transitioned 11 branches. ➢ Reduced early delinquency rates of new business acquired by 50% and over all delinquency rates 30% for entire portfolio during economic crisis. Created credit risk summit with senior teams to fight early stages of portfolio performance degradation. ➢ Assembled and developed Fraud Team from ground up. Recovered $2MM in 1st 30 days of operation with annual target of $50MM in 18 months. Set scope for vision, policies, procedures, leaders and goals. ➢ Collaborated introduce advanced reporting package that allowed real-time performance tracking to identify immediate opportunities from individual to corporate levels.

• Division Vice President Sales

  • May 2003 - Jul 2006

  • Increased annual volume 1200% from 250million to 3 billion. • Responsible for $50MM P&L budget, including vendor relationships. • Increased market share from 16th place to 1st place using market savvy sales strategies and implementing revolutionary individual and team incentive plans that increased volume and efficiencies simultaneously. • Oversaw 9 Regional Sales Managers; expanded existing sales staff and developed future sales leaders to increase market share. Established… Show more • Increased annual volume 1200% from 250million to 3 billion. • Responsible for $50MM P&L budget, including vendor relationships. • Increased market share from 16th place to 1st place using market savvy sales strategies and implementing revolutionary individual and team incentive plans that increased volume and efficiencies simultaneously. • Oversaw 9 Regional Sales Managers; expanded existing sales staff and developed future sales leaders to increase market share. Established Leadership development for sales division. More Leaders promoted out of Division than any other area of company Select Highlights: ➢ Built best in class sales team in industry. Teamed with Top 5 Production Regional and Top 10 Area Sales Managers and created Best Practices Sales Playbook Conference. High industry rapport aided in recruiting top talent away from competitors and increasing volume 100%. ➢ Created/implemented in-house contact management system generating strategic sales calls and daily execution that increased volume 100%. Created market share analysis for all competitors within industry (1st time done in industry) to determine market share vs. competitors for all metropolitan/rural areas within all states 50 states. ➢ Developed best practices formula for Top Regional Managers and Division Vice Presidents, that led to highest amount of promotions from select group across country and future leader career path foundation. ➢ Decreased cost per contract from $55 to $28, driving maximum value with high-volume revenues and promoted increased efficiencies and market share. Created Incentive compensation plan driven from market analytics ➢ Created balanced expansion growth of all geographical areas within 50 states, increasing efficiencies and volume 50%. Developed formula to redesign geographical areas into equal/balanced territories to drive sales generation.

• Vice President, Director of Operations

  • Jan 1999 - May 2003

  • Responsible for 60% United States credit risk purchase strategies and implementation. • Created strategic partnerships with Divisional Vice Presidents to drive record volumes and while exceeding corporate expectations for delinquency and loss control. • Introduced Variable compensation to drive volume

• Area Manager Utah

  • Jan 1997 - Jan 1999

  • Responsible for area activities related to Sales, Marketing, Credit Risk Underwriting, Loan Fulfillment, Collections and Loss Control, Redemptions, Human Resources • Introduced Indirect Auto Finance to the market Top Sales Volume Generated while reaching top performances in Collections Deliquency and Loss Control

• Branch Manager

  • Feb 1994 - Jan 1997

  • Responsible for area activities related to Sales, Marketing, Credit Risk Underwriting, Loan Fulfillment, Collections and Loss Control, Redemptions, Human Resources • Exceeded all Distinguished Level expectations for all Branch measured achievements. Including but not limited to Top Performances in Volume Generation, Delinquency and Loss Control, Credit Risk Underwriting



ING Nederland

• Netherlands
• Banking
• 700 & Above Employee

• Financial Planner

  • Jul 1992 - Feb 1994

  • Utulized question based sales process to generated financial services related sales for international financial services company from networking and referrals. • Utulized question based sales process to generated financial services related sales for international financial services company from networking and referrals.