Manager Sales

VALERIE HARPER

***** ******* ***

Pembroke Pines, FL. 33026

(C) 954-***-**** * (H) 954-***-**** * (E) ************@***.***

SENIOR MANAGER CONSUMER LENDING

An accomplished, results-driven senior level executive with progressive lending and sales management experience. A

solid track record of successful loan growth, efficient loan operations, risk management, product/program development

and project management.

MANAGEMENT PROFILE

Leadership A respected leader who mentors and coaches staff to develop successful teams. Ability to

Qualities interact and build effective working relationships at all levels with an open-communication style.

Leads by example with dedication, enthusiasm and passion.

Management An effective problem solver who considers both short-term and long-term solutions.

Style Skilled in identifying operational deficiencies and developing effective workflow strategies. Extensive

underwriting with strong judgmental skills. Ability to manage small and large teams in

multiple departmental and branch settings. Exceptional organizational skills and ability to

multi-task departmental and corporate initiatives with ease. A key player in the research,

evaluation and selection of new products and programs to ensure success for the organization.

A keen negotiator who develops and maintains excellent vendor/partner relationships.

PROFESSIONAL EXPERIENCE

EASTERN FINANCIAL FLORIDA CREDIT UNION, MIRAMAR, FL. 1988 –

2009

Senior Manager/AVP Consumer Lending: January 1997 – June 2009

• Researched and coordinated the implementation of direct, indirect and credit card loan programs to meet

current market demands and the needs of borrowers to maximize lending opportunities

• Managed the origination and processing of consumer and credit card applications – up to 5500 per month and

$394MM in auto loans annually during peak periods

• Designed, implemented and managed off-site “Lending Centers” supporting the origination, underwriting,

processing and closing of Consumer, Credit Card, Home Equity and Mortgage Loans.

• Developed, implemented and facilitated lending training programs which resulted in increased funding ratios

to 75+% on approved auto loans.

• Executed effective training programs for the sale of value added products with increased penetration levels in

GAP to 80%, Payment Protection to 45% and VSA to 25%.

• Maintained an average response time of 15 minutes for review, underwriting and decision of branch walk in

applications with a 90+% success rate.

• Executed effective cross sell strategies to sustain sales efforts for Retail, Home Equity and Mortgage loan

products.

• Established key relationships with Retail Leadership to enhance sales.

• Created and implemented an in-house Lending Call Center providing member’s with immediate credit

decisions while applying effective sales strategies to identify additional opportunities.

• Ensured compliance with EFFCU policies and regulatory updates. Reviewed loan decisions to ensure quality

assurance and acceptable underwriting standards were followed.

• Established automated decision engine guidelines, evaluated performance and adjusted score card strategies

to align with economic conditions.

• Unsecured lending authority of $75K and Secured lending authority of $ 500K

• Served as a key player in the research, selection and implementation of multiple loan origination and third

party software programs.

• Developed and maintained effective working relationships with 100+ indirect auto dealerships.

Manager of Consumer/Branch Lending: March 1991 – December 1996

• Managed day to day operational activities with the Consumer and Branch Lending Divisions

• Identified departmental deficiencies, developed effective solutions and implemented efficient workflow

processes.

• Designed, implemented and managed a full scale Loan Servicing Department handling all aspects of servicing

Consumer, Home Equity and Mortgage Loans after origination.

• Created and implemented an Indirect Lending Program to includes sales, processing, underwriting, auditing

and closing of indirect auto loans.

• Developed staff using effective coaching and training techniques.

Supervisor Consumer Lending: January 1989 – February 1991

• Supervised daily operational needs within the department.

• Provided training, support and guidance to staff.

• Evaluated files escalated to management for further consideration.

• Counseled member’s on understanding the importance of credit and how to reestablish for future lending

opportunities.

Green Tree Acceptance, Inc. 1981 – 1988

Collection Manager – Loan Processor

• Responsible for processing, underwriting and closing of FHA, VA and Conventional loans

• Assisted customers in realignment of obligations

• Managed daily collection activities and coordinated steps required for repossession

Professional Development

Numerous industry and general management training courses including:

• Management/Supervisory Classes

• Situational Leadership

• Working Styles, Managing Conflicts

• Lending and Credit Seminars/Workshops

• Equifax and Experian Workshops

• Key Industry Conferences

• Software Application Conferences

References – Can be provided upon request

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