Real Estate Customer Service
Resume:
Greg S. Seltzer
*********@*****.***
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Executive Summary
Senior lending executive with over 25 years of comprehensive lending experience in the financial services
industry. Extensive knowledge in credit administration, portfolio management, loan origination and
servicing of commercial and business lending, residential real estate, consumer lending and loss mitigation
with financial institutions ranging from $500 million to $50 billion in assets. Exceptional mentor and coach
with innate ability to recruit, develop and retain top-performing management and staff.
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Professional Experience
Simplicity Bank – Chief Lending Officer, Covina, CA 2013 to present (current merger)
As the Chief Lending Officer and member of the Executive Management Team, participate in the
establishment and direction of organizational strategic planning and performance. Responsible for
formulating, managing and leading the strategic direction and ongoing operations of the lending areas
including Credit Administration, Commercial and Residential Real Estate lending, Consumer lending,
Loan Servicing and Collections.
• Instituted operational changes within the first 90 days; realigned Commercial lending
organizational structure and Consumer lending process flow resulting in record production and
loan volume y/y growth of 60% and 52%, respectively.
• Identified critical lending areas and product gaps that resulted in:
o Implementation of product cross-sale incentive plan resulting in 195% y/y increase in
ancillary product sales.
o Launching of new loan products including Motorcycle loan, 97% residential mortgage
product, expanded risk based lending tiers, introduction of auto buying service.
o Expanded customer delivery channels through development of an on-line application
and improved call center application process flow.
• Instrumental in the removal of lending MRA’s and operational findings issued by the OCC from
previous year’s exam. 2014 OCC exam completed with zero lending material weaknesses.
• Revised all lending policies to comply with regulatory compliance and the Board’s risk appetite.
• Initiated team building with the lending management team that fostered an environment of trust,
learning and communication.
• Credit Committee Chairman, member of Asset Liability Management Committee, Risk
Management Committee, Technology Steering Committee and CRA Committee.
• Credit authority $5 million.
Seltzer Consulting-Interim Chief Lending Officer, Monrovia, CA 2012 to
2013
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Engaged by Seattle Metropolitan Credit Union as interim Chief Lending Officer to assess and re-classify
the Commercial and participation loan portfolio and to oversee the Real Estate, Consumer and Collection
departments.
• Worked collaboratively with the CEO and State and Federal regulators to remove 100% of lending
operational concerns and completed a State and Federal audit with zero lending material
weaknesses which resulted in the CAMEL rating being raised 2 points.
• Provided leadership and oversight of all lending and collection departments and functions
including credit administration.
• Revised and consolidated all lending policies and procedures.
• Streamlined department processes and recommended Best Practices.
• Chairman of the Business Lending Committee. Member of Asset Liability Committee and
Executive Management Team.
Firefighters First Credit Union-Vice President of Lending, Los Angeles, CA 2008 to
2012
As a member of the Executive Management Team, participated in the development and execution of the
organization’s strategic plan. Managed the operational lending units consistently delivered best in class
products and services including Residential, Commercial and Consumer Lending. Responsible for credit
administration, loss mitigation, portfolio and risk management.
• Oversaw management of a $640 million dollar loan portfolio including all aspects of loan
origination, servicing, risk management, pricing, policy and product development, collections,
workouts and REO.
• Responsible for $105 million dollar secondary market servicing portfolio growth over 24 month
period.
• Developed and executed strategic plans for real estate, consumer and business loan growth,
including a sales and service cultural shift.
• Launched real estate portfolio risk based products, pricing and policies to ensure the Credit Union
served the underserved members.
• Instrumental in the launching of a Business Services and Commercial Real Estate program that
has earned over $1 million dollars in net income within four years of inception.
• Member of Asset Liability Committee, Credit Committee, Business Lending Committee and
Financial Planning.
• Led the successful implementation of multiple lending system conversions including Streamlend
Velocity consumer origination system, CCM credit card and Akcelerant collection systems.
Resulted in zero major issues and minimal impact to the membership.
First Bank Mortgage-Vice President of Lending, Irvine, CA 2001 to
2007
• Oversee residential real estate origination, wholesale and retail, for the Irvine Mortgage Division.
• Directed all sales, training and business development functions.
• Developed and executed strategic growth plans resulting in increased loan production of 20% to
40% year over year from 2001 to 2007.
Associates Financial Services-Vice President Wholesale Lending, Los Angeles, CA 1995 to 2001
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• Responsible for the Western Region real estate wholesale production. Managed five District
Managers and 80+ Wholesale Account Executives throughout seven Western states.
• Launched a real estate loan center in Irvine, California with production results consistently in the
top 5% of all loan centers. Received Premium Performer award in seven of eight quarters in 1999
and 2000 for production and performance results.
• Managed Collection center with $152MM in delinquent real estate loans.
• Received the 1995 Presidential award, awarded to the top 2% of all Managers and AVPs.
• Oversee due diligence loan spreads for multi-million dollar loan acquisitions.
Pacific Thrift and Loan -Vice President Commercial Lending, Los Angeles, CA 1992 to 1995
• Responsible for the recruitment, training and production of Commercial Loan Officers and
operations staff in the Woodland Hills center.
• Review and pre-underwrite all commercial loans prior to loan committee.
• Personal commercial loan production consistently in top 10% of all Loan Officers prior to
promotion to Vice President.
Household International-Division Human Resource Manager, Pomona, CA 1985 to 1992
• Full responsibility for the recruiting, hiring and training of Loan Officers for 53 branches
throughout Southern California, Arizona and New Mexico.
• Developed and delivered stand up training programs in the areas of business development, sales
and customer service.
• Managed multiple full service consumer finance branch locations. Results consistently in top 5%
of all branches in the areas of loan growth, insurance sales, delinquency control and profit.
Education
California State Polytechnic University of Pomona
Bachelor of Science degree in Business Administration, Emphasis: Finance, Real Estate and Law
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