Management

Lending Operations Revenue Growth Regulatory Compliance Organizational Leadership Customer Service

Problem Resolution and Decision Making Strategic Planning and Implementation

Qualifications Profile

Success-driven, goal-oriented, and accomplished professional, offering wide-ranging experience and proven record of success in credit business management; complemented with strong ability to expand lending and deposit business. Adept at training and supervising employees, establishing department policies, and collaborating with clients, internal and external auditors, and all levels of professionals. Highly recognized for strong work ethic and professional demeanor; with excellent interpersonal, organizational, time management, and multitasking skills. Articulate communicator; bilingual in English and Spanish. Technically proficient with Microsoft Office Suite (Word, Excel, and PowerPoint), and various credit union programs.

Professional Experience

Cherokee Strip Credit Union, Ponca City, OK

Senior Vice President, Lending January 2017– March 2018

Assumed full accountability of Lending & Collection department the delinquency was at 4.1% loan volume $600, 00 per months; outside agency handled collections; The Credit Union was rated CAMEL code four by NCUA and under watch list.

Facilitated training for loan officers, and loan clerks

Brought all collections in-house while training trained all collection personnel

Notable Accomplishments

Pivotal role in attaining credit union CAMEL code 3 rating decreasing repossession to 9 from 52. Reducing delinquency from 4.2%% to .80% as of March 2018 and increasing loss recovery by 30%.

Boosting loan volume from an average of $600,000 to over $2.8M per month.

Presided over cross-training team members in opening accounts and selling products; thus, improving sales Loan products insurance from 12% to 65%

Made notable contribution in maximizing capital from 5.8% to 7.6% by having net profits every month and reducing Charge-off’s

Installed “Indirect Loan program” volume averaging $1.9M per month maintaining .25% delinquency. Installing Real-Estate "HELOC," and increasing the average loan by 30%

Texoma Community Credit Union, Wichita Falls, Texas

Commercial Loan Director March 2015-January2017

Exemplified industry expertise in expanding lending and deposit business for the credit union

Provided supervision to business service staff which included facilitating coaching and training for future personal and professional growth

Employed keen attention to detail in evaluating member’s financial condition as well as their ability to repay the loan

Conceptualized policies for past due loans and recoveries collection

Increased profits and broadened services through economic analysis of services

Ensured the attainment of short- and long-term goals through commercial lending strategy implementation

Collaboratively worked with regulators and internal and outside auditors on examinations and audits to guarantee lending compliance and reporting

Provided feedback regarding the overall budget while executing and adhering to approved budget

Served as the representative of the commercial lending area of the credit union during board meetings and proposed changes to loan policy to the board of directors

Kept abreast with the local and national environments to ensure proactive measures

Notable Accomplishment

Established the new Commercial Loan Department, as well as policies and procedures while obtaining the approval of the Small Business Administration (SBA)

New Commercial Loan program booked 1.3M while competing with area megabanks

Self Employed Consultant Bank & Chamber of Commerce June 2004– February 2015

Keenly assessed and suggested ways on how to boost income

Displayed leadership skill in training branch managers and the Collection Department regarding Collection’s, and Lending

Trained Branch Managers in outlining branches Customer Service, Lending, Collections, Packaging Direct Loans and Commercial Loans

Served as consultant for Mexican companies relocating to the United States, as well as to small businesses to design effective business plans

Took charge of facilitating classes on how to start a small business

Notable Accomplishments

Received recognition as the fastest growing chamber in the US

Showed exemplary performance in increasing members by 500% from 2008 to 2015

Formulated and enforced innovative strategy that maximized the bank’s bottom line by $236K within one year while lessening delinquency

Set up auto approval of small loans for the bank, reducing the cost of adding employees

Earlier Career

First Basin Credit Union, Odessa, TX

President Chief Executive Officer (CEO)

Outperformed peer Credit Union increasing assets from 30th rated Credit Union to second rated.

Efficiently created the First Basin Credit union membership from 582 to 20,000 members as well as assets from $580,000 to $125M

Took charge of maintaining the delinquency below 1% and charge-off at .50%

Demonstrated first-rate performance in training employees to increase membership moving from the 30th Credit Union in assets to the 2ad largest

Increase and trained employees from 2 to 49

Leading in-direct volume lender in the area maintain delinquency below 1.0%

State of Texas Credit Union, Examiner, Large and Small Credit Unions

Education

Bachelor of Science Accounting

The University of Mexico City, Mexico City

Professional Development

AVCO Financial Services 6 months UCLA course "Managing by Objectives."

National Credit Union Administration (NCUA) Examiners School

Attended numerous training seminars in Lending, Collection, Motivation, Budgeting

Affiliations

Member, Credit Union Founders Club

President, Chamber of Commerce

Board Member, YMCA

Board Member Odessa, Tx Transit System

Board Member Meals on Wheels

Board Member CASA child Advocate of Odessa, TX

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