Customer Service Management

ROBERT EMERICK

***** ****** ****** ~ Ventura, California 93004

805-***-**** *******@*******.***

FINANCE MANAGEMENT

Finance and Accounting ~ Asset/Liability ~ Cash/Liquidity~ Risk Management

Motivational, dedicated Senior Leader with executive management

experience in the banking and financial industry. Leverages analytical

skills to develop and implement strategies that solve organizational and

operational problems. Comfortable making tough decisions. Inspirational,

well-respected manager who leads by example. Exceptional communicator

skilled at delivering information to all organizational levels.

Additional expertise in:

( Budget Administration ( High-level Presentations (

Team Development

( Change Management ( Project Management (

Relationship Management

( Contract/Vendor Management ( P&L ( Policies &

Procedures

CAREER ACCOMPLISHMENTS

. Transformed struggling organization on the National Credit Union

Association (NCUA) watch list to one of the top three in return on assets

in country.

. Increased credit union assets from $3,000,000 to $56,000,000 by

implementing innovative strategies emphasizing customer service,

establishing key community partnerships and building new facility.

. Grew credit union membership from 4,000 - 7,000 by maintaining attractive

savings and certificate

. Implemented strategic plan to introduce mobile banking and bill-pay

products to credit union.

. Played key role in obtaining regulatory approval for construction of new

facility.

. Presided over and managed employment growth of 30%; built diverse

workforce and ensured staff was trained to respond to cultural needs of

community.

PROFESSIONAL EXPERIENCE

COUNTY SCHOOLS FEDERAL CREDIT UNION, Ventura, California 1986 - 2013

Chief Executive Officer (2006 - 2013)

. Spearheaded strategy to revive credit union with low capital ratios to

profitable entity with strong capital assets within five years by

reducing operational expenses, freezing salaries, increasing membership

and providing exceptional member service.

. Gained buy-in of staff to cost-cutting program and motivated staff to

achieve goals from tellers to loan officers to management team;

maintained 99% employee retention throughout process.

. Met regularly with staff to educate about progress towards plan

objectives and encouraged team to stay the course.

. Led campaign to re-brand credit union.

. Created a program to donate a portion of organization's profits to county

schools to both build and strengthen relationship with school system and

secure approval to promote credit union's services to school staff.

. Launched customer service initiative with the input of staff from every

level to ensure program enhanced members' experience.

. Directed departmental activities, including: accounting, lending,

operations, IT and investments; met regularly with management team and

collaborated on identifying process improvements and constructing

strategies to improve operations.

ROBERT EMERICK Page Two

PROFESSIONAL EXPERIENCE

(Continued)

County Schools Federal Credit Union: Management (Continued)

. Designed and administered budgets ranging in size from $3,000,000 to

$20,000,000.

. Reported to Board of Directors (BOD) regularly on status of organization

financials and progress on various initiatives.

. Established process with IT to ensure integrity of members' personal

information.

. Networked with business, community, higher education and government

leaders; established key partnerships to increase organization's

business.

. Managed vendor contracts and pricing negotiation.

. Oversaw initiatives to provide professional development and training

opportunities for staff.

Chief Financial Officer (1986 - 2006)

. Developed and presented business case for building new credit union

facility; demonstrated how building facility would increase membership

and revenues, control expenses and why it was necessary; created four

year forecast of income and expenses; won approval from BOD & CEO.

. Managed construction of $1,000,000 new facility; worked with contractor

on selecting vendors, maintaining schedule and staying within budget;

provided status updates to BOD.

. Created financial policy and made recommendations to CEO.

. Directed systems operations and worked with IT on evaluating various

options with a focus on efficiency and cost reductions; selected systems

and oversaw implementation.

. Initiated debt and equity financing, managed investment portfolio and

protected and maximized return on assets.

. Ensured integrity of organization and its financials.

. Orchestrated and managed bi-weekly payroll.

EDUCATION

AMERICAN INTERCONTINENTAL UNIVERSITY, Hoffman Estates, Illinois

Bachelor of Science, Business Administration

PROFESSIONAL DEVELOPMENT & RECOGNITION

Certified Compliance Officer, National Association of Federal Credit Unions

(NAFCU), 1995 - present

Member, NAFCU Region VI Advisory Committee

Key Player, Pacific Coast Who's Who in Banking and Finance, 2012 & 2013

Graduate, Western Credit Union National Association Management School, 1990

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