Ken Gladden

*** ****** *** **. #***, Carson City, NV. 89706 Email: ad3xhr@r.postjobfree.com • Mobile 916-***-**** Greater Nevada Credit Union– Consumer Lending Operations Manager – Jan 2023– Jan 2024

• Oversee day-to-day consumer lending and servicing operations.

• Monitor performance of indirect, consumer and HELOC loan portfolios

• Manage the underwriting process to ensure that intelligent lending decisions are being made and that concentration and risk tolerances are within Board approved guidelines.

• Develop and mentor underwriters and staff to ensure that they have thorough knowledge of products, services, policies and procedures and have a strong comprehension of the organization’s risk appetite.

• Serve as initial escalation point for lending decisions on complicated loan applications or those beyond the authority given to other underwriters.

• Manage strategies that lead day to day decisions that ensure safety and soundness, meet risk appetite and drive positive income revenues while mitigating delinquencies and losses to the credit union

• Manage vehicle title process

• Perform quarterly prescreen process through Experian

• Manage quarterly quest file process with Experian Vocality Community Credit Union– Lending Operations Manager – Aug 2021 – September 2022

• Oversee day-to-day indirect and consumer lending and collection operations.

• Monitor performance of indirect, consumer and mortgage loan portfolios and provide analyses to Senior Management and the Board of Directors.

• Implemented and chaired Credit Risk and Dealer oversight Committees

• Manage the underwriting process to ensure that intelligent lending decisions are being made and that concentration and risk tolerances are within Board approved guidelines.

• Develop and mentor underwriters and staff to ensure that they have thorough knowledge of products, services, policies and procedures and have a strong comprehension of the organizations risk appetite.

• Serve as initial escalation point for lending decisions on complicated loan applications or those beyond the authority given to other underwriters.

• Ensure appropriate control over all lending activities in order to protect the credit union and its membership from financial loss.

• Prepare monthly dealer delinquency reports; analyze trends and losses; prepare monthly forecasts and complete periodic reviews on overall indirect portfolio performance and collection production, success, and efficiency.

• Manage internal collectors and drive day to day strategies to reduce loan delinquencies and reduce losses to the credit union

• Manage legal, repossession, liquidation, foreclosure, and legal processes.

• Perform post-mortem review on loan defaults to identify weaknesses/loopholes in lending guidelines or to identify potential counseling/training opportunities for underwriters.

• Act as decision maker and provide organizational support in the absence of the CEO. Columbia Credit Union– Vice President Lending Solutions – Sep 2020 – Aug 2021

• Oversee the day-to-day operations of the Lending Solutions division

• Manage workout and loan modification division.

• Responsible for the accurate accounting of loans charged to the allowance for loan loss general ledger and into charge off and recovery.

• Prepare, plan, and manage Lending Solution GL’s and budgets.

• Prepare monthly delinquency reports; analyze trends and losses; prepare monthly forecasts and complete periodic reviews on overall collection production, success, and efficiency.

• Coordinate collection and reporting activities with external vendors used for portfolio servicing and develop and strengthen rapport and foster business relationships.

• Manage legal, repossession, liquidation, foreclosure, and legal processes.

• Chair monthly Loan Review Committee

• Prepare all reports for Loan Review Committee and Board of Directors.

• Perform post-mortem review on loan defaults to identify weaknesses/loopholes in lending guidelines or to identify potential counseling/training opportunities for underwriters.

• Ensure department policies and procedures are accurate and up to date and that Lending Solutions divisions are operating efficiently, effectively and within compliance guidelines. Sacramento Credit Union– Vice President Lending Operations – May 2019 – August 2020

• Oversee day-to-day operations for indirect lending, consumer lending, loan servicing and marketing divisions.

• Manage all consumer loan underwriting and underwrite all consumer loans exceeding established lending authority for junior underwriters.

• Drive member penetration through product promotions and initiatives to reward members for commitment and participation.

• Prepare, plan, and manage lending and marketing budgets.

• Complete interest rate analysis and make recommendations for rate adjustments for consumer loan products.

• Performed analytics, advocated for, and designed a +++ Indirect Lending program to increase application volume and to make the credit union more competitive with peer credit union programs.

• Participate in Executive team meetings (ALCO, ALLL, Strategic Planning, Pricing, and all Board Meetings)

• Analyze and manage loan application pipeline ensuring credit quality and pull through and capture ratios meet established goals.

• Manage loan and credit tier concentration ratios ensuring the institution is operating within Board established guidelines.

• Ensure department policies and procedures are accurate and up to date and that lending and servicing divisions are operating efficiently, effectively and within compliance guidelines.

• Perform post-mortem review on loan defaults to identify weaknesses/loopholes in lending guidelines or to identify potential counseling/training opportunities for underwriters.

• Create internal performance metrics and reporting dashboards using Microsoft PowerBi. Patelco Credit Union – Senior Credit and Financial Risk Analyst - July 2014 – October 2018

• Implemented Credit Risk Oversight Committee into the enterprise and established performance and risk metrics, creating dashboards and scorecards for reporting collections and lending KPI’s.

• Designed and completed monthly roll rate model used to monitor the migration of delinquent accounts and to estimate the qualitative reserve portion of the ALLL.

• Evaluate and adjust qualitative risk factor components for the ALLL and complete all quarterly narratives and supporting documentation.

• Complete quarterly credit bureau update

• Implemented bi-annual real estate collateral risk analysis to monitor credit unions equity position and to establish necessary economic reserves for the ALLL.

• Prepare financial and statistical reports and charts for management reporting and analysis.

• Complete quarterly budget forecasts for Lending and Collections

• Liaison with all internal and external auditors as well as NCUA and DBO Examiners during all mandatory financial and regulatory examinations

• Created and managed monthly Static Pool Report to track loan performance by product and paper grade.

• Perform quarterly concentration analysis and monitor concentration caps for all major loan product groups.

• Design, develop and maintain Tableau Lending and Collections dashboards

• Assist in the design, implementation, enhancement and maintenance of specialized Collections and Lending analytic functions using advanced software applications and tools.

• Perform quarterly Experian Analysis to monitor membership credit trends and identify potential credit risk.

• Perform special ad-hoc projects/analysis as needed and requested. First Technology Federal Credit Union – Director – Credit and Financial Analytics - May 2010 – July 2014

• Created, drafted and implemented Qualitative Factors to identify inherent risk in the lending portfolios due to factors unrelated to historical delinquency and loss and to ensure compliance with Interagency Guidance, GAAP and ASC 310

• Manage roll rate model to analyze and track monthly loan performance, ensuring that loss reserves are adequate and are in line with historical performance and future forecasts and for determining the monthly Provision for Loan Loss (PLL)

• Chair monthly Credit Risk Oversight Committee

• Act as liaison for all audits regarding the ALLL and credit risk management. Meet with NCUA examiners and external auditing firms to assist in all aspects of annual audits.

• Complete bi-annual real estate analysis to monitor credit unions equity position and to establish necessary economic reserves.

• Complete quarterly budget forecasts

• Perform quarterly Experian Analysis to monitor membership credit trends and identify potential credit risk.

• Responsible for the creation and management of internal Loan Risk Factor to estimate potential risk on an individual loan basis and to assist with loan risk pricing and support internal credit union initiatives to better monitor profitability on a by member basis.

• Prepare monthly risk reports and reports results to Credit Risk/Review Committee THE GOLDEN 1 CREDIT UNION – Director – Collections and Loan Servicing – March 2006 – May 2010

• Manage all aspects of collections and servicing operations for one of the nation’s largest credit unions.

• Complete quarterly weighted risk analysis of $2.5 billion dollar 1st mortgage and equity portfolios to determine dollars at risk.

• Oversee staff of 80 collectors and loan servicing support staff.

• Complete department budgets

• Responsible for delinquency/charge-off reporting and for the strategic management/allocation of resources to minimize/mitigate loan delinquencies and losses.

• Attend monthly meetings to perform post-mortem analysis on charge-off accounts to study loss trends and to identify weaknesses/inconsistencies in lending decisions.

• Designed and implemented static pool analyses to measure loan performance and to ascertain/track charge-off losses by credit tier and to determine necessary modifications to lending/advance/and pricing guidelines.

• Partner with Lending/Underwriting Managers to review loan packages and to identify fraud potential.

• Manage title department ensuring timely perfection of vehicle titles, with metrics of 99.85 % of titles perfected less than 90 days.

• Manage credit reporting, E-Oscar, and member dispute desk.

• Oversee the management of bankruptcy, legal, workout and workout/loan modification divisions. SCHOOLS FINANCIAL CREDIT UNION - Collection Manager July 2004 to March 2006

• Manage day-to-day operations of collections department.

• Perform statistical analysis on both secured and unsecured loans and lines of credit for the Consumer Loan, VISA, and Real Estate divisions

• Complete monthly loss reports for Senior Management, CEO and Board of Directors

• Facilitate charge-off on non-performing loans and assist the CFO in accurately forecasting provisions for loan loss.

• Manage the liquidation of repossessed autos, ensuring compliance guidelines are kept and that sales proceeds are in line.

• Developed and implemented loss mitigation plan that was effective in reducing loan losses by more than 50% and automobile repossessions by 68%

• Improved recoveries on charged-off accounts by more than $.30 cents per dollar.

• Re-wrote existing collection and charge-off procedures and worked closely with compliance department to implement and facilitate the development of new living documentation.

• Successfully guided the department to the lowest delinquency and charge-off percentages ever achieved at the Credit Union.

• Revamped existing reporting procedures and authored and instituted peer-to-peer analysis reports drawing praise from the CEO.

SKILLS−

• Significant knowledge and experience with regulatory compliance as related to all types of lending

• Expert in credit union lending, collections, operational metrics, policies and products and services

• Advanced knowledge of lending systems (Symitar, L360, MeridianLink)

• Mortgage Bankers Association – School of Mortgage Banking

• Proficient in Microsoft Office with expert level skills in Excel, Access, Word, and PowerPoint

• 30 years management experience in Consumer and Real Estate Lending, Collections and Loss Mitigations, Credit Risk, Loan Servicing, Loan Underwriting and Financial and Credit Analytics

• Expert in Indirect Auto Lending

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