MICHAEL D. AUBREY

**** ** *** ******, **** #* NMLS#: 868902 ad1755@r.postjobfree.com

Wilton Manors, FL 33334 Cell: 561-***-****

PROFESSIONAL PROFILE

A dedicated performance focused professional with over 30 years of solid results driven experience in Project Management Business Development, Sales Management, Commercial, Consumer, Mortgage Lending, Branch Facilities, Supervision of Retail offices, Supervision of Call Centers/Member Experience and Credit Solutions/Collections. In-depth knowledge and demonstrated proficiency in creating and developing new business opportunities, analyzing and structuring and presenting loans for approval. A detailed professional Executive with a focus on accuracy, compliance requirements and exceeding goals.

Sales Management

Team Building

Business Development

Strategic & Budget Planning

Regulatory Compliance

Credit Analysis

Retail office supervision Call Center Supervision Member Experience

Marketing Facilities Management Human Resource Management

PROFESSIONAL EXPERIENCE

Educational Federal Credit Union

Miami, Florida 2018-Present

Senior Vice President Lending

•Responsible Lending Business Line - Direct reports, Lead team of 6

~Auto Buying Services – team of 3

~Consumer Lending – team of 25

~Credit Solutions (Collections) – team of 13

~Residential Lending – team of 15

•Restructured three departments to increase efficiency and productivity via process improvements as well as necessary system upgrades and/or implementation of new software to deliver an improved member experience.

•Exceeded all established goals for production as well as loss ratios.

•Member of the Asset Liability Committee – set loan rate pricing based on Strategic and Market Initiatives.

•Increased loan portfolio by 320% ($530 Million) in past 60 months.

•Initiated purchase pools of Loan Participations – start up in 2019 and currently manage a portfolio of $400 Million.

•Converted Consumer Lending System from Symitar/Epysis Core to Loans PQ (Meridian Link).

Valley National Bank – formerly 1st United Bank

Fort Lauderdale, Florida 2010-2018

First Vice President, Retail Lending Manager

•Produced 96 million in Consumer Retail loans in 2016 – for 300% of loan goal.

•Built a Team for Indirect Auto in 24 months built a portfolio of 210 franchise dealers with 250 million in outstanding’s

•Monthly Funding’s 10+ million with no loss.

•Project Team Leader for LIFT Project in New Jersey January - May 2017 – revenue and cost enhancements for company – developed 5 million in revenue/product enhancements in current process of implementation for Consumer/Retail/Residential Lending areas.

TD Bank – formerly Riverside National Bank 2004-2010

North Palm Beach, Florida

Senior Vice President, Division Manager-Retail Lending and Sales-Consumer/Business/Residential Lending

•Led a team of 35 Relationship Managers and responsible for 58 branches in 10 Florida Counties.

•Built a Customer Assistance Department in 6 weeks with a team of 9 to support Residential mortgage, Small Business and Consumer customers with set process and work out programs. Serviced 2200 customers with $350MM in loan balances while receiving a Strong rating from OCC reviews on process, policy, procedures and appropriate team in place for servicing.

•Implemented “Partner” meetings and outside calling initiatives with all lines of business to increase cross selling resulting in 70% improvement in production.

•Developed residential, small business, credit cards and consumer loans at 250% of goal in 2010.

Wells Fargo Bank and Financial Company 1984-2004

Director of Specialty Collections

•Directed and developed a department of 120 team members that specialized in late stage collections (91+ days) resulting in saving the company $25MM in potential loss for the year 2003.

•Built the indirect Auto repossession, remarketing and insurance claims group for US with a team of 120.

•Set up an insurance team to process claims resulting in a total savings of $3.2MM due to the improvements that were made in the process.

District Manager - Nashville, Alabama, Florida, Tennessee, Mid-Atlantic and Southern California Regions

•Indirect Auto – developed auto dealership relationships & trained Auto Dealer Sales Reps exceeding goal annually

•Supervised 10-12 Consumer Financial Service offices.

•Led the Mortgage Loan Development in both first mortgages and home equity lines of credit resulting in being recognized as the #1 District in the company.

Branch Manager - Tuscaloosa, Alabama

•Successfully turned troubled District with an annual profit loss of 1.7 million to over a 3 million profit in 30 months.

EDUCATION / TRAINING

University of Alabama- Tuscaloosa, Alabama

Six Sigma trained in Process Management

COMMUNITY INVOLVEMENT / RECOGNITIONS

•1st United Bank’s first Presidents Excellence Award Recipient - 2013

Awarded for exemplifying company values, serving as a mentor and exceeding expectations while advancing corporate strategic goals

•Active United States Swimming Masters (USMS) Swimmer and Multiple National Champion – currently # 3 in world ranking age group swim events

•Graduate 2008 Leadership of Palm Beach County-Active Alumni

•President of two Homeowner’s Associations

Contact this candidate