Credit Union Consumer Lending
Resume:
Jackson L. Braswell *******.*.********@*****.***
Randleman, NC 27317
PROFILE
A Banking Executive drawing upon Management experience, professional experience in Sales/Service and academic background in business studies in marketing and management. An exceptionally quick aptitude for learning new skills and concepts. Especially noted for ability to make quick informed decisions, and the ability to effectively connect with customers and company personnel. Skilled at troubleshooting problems and meeting managing project deadlines under pressure.
PROFESSIONAL EXPERIENCE
Truliant Federal Credit Union Winston-Salem, NC 2/2022-3/2024
Director, Credit Administration
Responsible for the consumer lending operation of a $5B Credit Union to include Consumer Real Estate, Auto Lending, Unsecured Lending and Credit Cards. Responsible for budgeting needs of 3 departments with the organization, as well as executing the overall direction of the CU from a Lending perspective. Responsible for implementing and managing the Credit Union’s initiative to underwrite consumer loans using artificial intelligence to efficientize the loan process. The management of this program is to insure certain performance metric be maintained and quality of decision stay in line with the ideals and philosophy of the Credit Union. Also responsible for the Credit Union’s efforts to obtain and remain a Certified Community Development Financial Institution by applying for, receiving and distributing federal funds to support Lending in underserved areas of the Credit Union’s footprint.
●Implemented and manage artificial intelligence UW model
●Increased automated decisioning by 60% CU wide
●Created Funding Department within Home Equity in first year
●Initiated internal process workflow review which is aimed at overall department efficiency
●Created charge off review report which provides a snapshot to address potential UW trends
●Led initiatives and implemented several member self-serve services to reduce staff effort
Fort Bragg Federal Credit Union Fort Bragg, NC 11/2019-2/2022
Vice President of Consumer Lending and Collections
Responsible for overseeing the Consumer Lending and Collections Departments of the Credit Union. Responsible for budgeting for loan growth and portfolio management on an annual basis and providing direction for the department through marketing campaigns and lending policy management. Responsible for the direction and performance of the Collections Department by managing key delinquency ratios and working with staff and members to ensure portfolio performance through timely payments. Also responsible for rebuilding the Credit Union’s sales culture through training and support to refocus staff on a service-oriented sales mindset which grew ancillary penetration and cross sale opportunities, which positively affected members’ financial well-being and the Credit Union’s profitability.
●Consistent year over year double digit loan growth for the credit union
●Completed transition to centralized lending
JACKSON BRASWELL (CONTINUED) (page 2)
●Responsible for growing the Lending and Collection Departments personnel for increased efficiency and productivity
●Responsible for leading the Collections Department to decrease delinquency well below 1%
●Responsible for searching for and implementing new Indirect lending platform for the CU that increased Indirect loan origination to be in excess of $7MM dollars per month
●Refocused CU on Direct Lending and put together an ambitious plan to reinvigorate lending to existing members
Summit Credit Union Greensboro, NC 6/2015-11/2019
Consumer Lending Manager
Responsible for managing day to day lending operations of the credit union as well as providing a supportive and constructive environment for staff. Responsible for upholding the lending policy for the credit union and guiding lending staff to year over year loan growth. Also responsible for overseeing the credit union’s sales initiative and guiding lending staff to penetrate the loan portfolio at a 65% average.
●Steady loan growth in each year with the credit union
●Recognized by executive management for exceptional performance and leadership.
●Accepted into the CCUL Leadership Development Institute within 3 years of employment
●Leading the Lending Department to protect the CU and members with 65% penetration of disability/life and 75% GAP penetration on average
●Responsible for growing the Lending and Loan Administration Departments personnel for increased efficiency
●Responsible for rebuilding the relationship with the Collections Department to decrease delinquency to 1%
●Responsible for searching for and implementing new lending platform for the CU that increased loan origination to be in excess of 5MM dollars per month
Colfax Furniture & Mattress Winston Salem, NC 10/2014 06/2015
Store Manager
Responsible for managing day to day operations of a multi million dollar a year retail store as well as providing a rewarding atmosphere for staff and customers. Responsible for coordinating sales staff, warehouse staff and office staff to provide a seamless logistical process in which sales and transportation of furniture to its proper destination is vital. Responsible for working closely with ownership to grow sales through product placement and marketing strategies.
●Implemented structure back into a underperforming store immediately
●Reworked staffing issues and built a strong sales staff
●Increased prior year sales in each month with the company
●Recognized by ownership for exceptional performance.
●Manage a team that provides exceptional customer service through product knowledge and know how.
Carolina Postal Credit Union Winston Salem/Greensboro NC 2/2004 9/201 4
Branch Manager
Responsible for managing day to day operations of the credit union as well as providing the highest level of member service possible. Responsible for making decisions regarding lending money on a daily basis. Help members make informed decisions regarding investments offered by the credit union. Responsible for working closely with the marketing department on loan promotions designed to grow the credit union.
Contributed to rebuilding High Point branch’s performance before being promoted to Winston Salem.
JACKSON BRASWELL (CONTINUED) (page 3)
●Gained approval and installed ATM’s inside postal facilities in High Point, W S, and Greensboro.
●Developed many key contacts within the Postal Service within six months of employment.
●Recognized by upper management for exceptional performance.
●Promoted to manage larger Winston Salem branch within two years of employment.
●Manage a team that provides exceptional member service through loans, investments and fine tuned customer service behaviors.
●CU rep. as Director for NW Chapter of credit unions
Specialty Capital Corporation, High Point, NC 2/2004 12/2004
Vice President of Sales, Claim Procurement
Responsible for managing several portfolios dealing in distressed claim procurement. Also responsible for managing a team of claim originators day to day while working through their portfolios. Daily duties included direct business to business contacts and purchasing bankruptcy claims held by companies within each case portfolio.
●Built successful sales pipeline within three weeks of employment with firm.
●Helped grow the sales of the firm by double each month of employment.
●Recognized by affiliate company for exceptional performance with one month of employment.
●Elevated to Sales Manager within six months employment
●Promoted to VP of Sales in ninth month with the firm.
●Managed origination team that drove a high volume of sales and generated high returns monthly.
Ameriquest Mortgage Company Greensboro, NC 2003 2004
Account Executive/Licensed North Carolina Loan Officer
Responsible for formulating refinancing home loan options for customers who inquire with the company, as well as calling approved lists of customers provided by the company. Responsible for the process of selling the loan through the closing of the loan.
●Qualified for licensure as a North Carolina Loan Officer within one week of employment. ● Closed loans within two weeks of receiving North Carolina Loan Officer License.
Meredith Swimming Pool Company Greensboro, NC 2001 2003
Product Design
Responsible for translating sales and customer concepts into construction ready drawings. Also, permitting each contract job and facilitating construction packages to the appropriate parties. Served as liaison with customer and company to ensure the successful follow through on all details of the construction project.
●Promoted to full department responsibility within first six months of employment because of proven management performance.
●Selected to attend specialized training courses on computer assisted drafting and hydraulics training because of aptitude to incorporate new skills to the job requirement.
●Involved in seven nationally recognized projects by the Masters Pool Guild for innovative design and visually pleasing aesthetics.
●Acknowledged by customers for the ability to interact professionally and thoroughly and for communicating all of the pertinent details of the project.
Enterprise Rent A Car – Greensboro, High Point, Thomasville, NC 2000 2001
Management Assistant
Responsible for managing and maintaining a multimillion dollar fleet of cars. Interaction with insurance providers, corporate customers, dealership employees and retail customers.
●Recognized for outstanding customer service regularly.
●Qualified for management position within eight months of employment.
●Recognized in the Corporate reward program for surpassing sales goals.
●Established several profitable corporate accounts for the company within first year.
EDUCATION
Bachelor of Arts in Business Administration with a concentration in Marketing Minor in Communications Arts.
Catawba College, Salisbury, NC December 1999
●Pi Sigma Epsilon National Sales and Marketing Fraternity Sat on executive board for one year as Regional Coordinator.
●Maintained continuous employment throughout college degree work.
COMMUNITY INVOLVEMENT
Leadership Development Institute Graduate (CCUL) 2019
Northwest Chapter of Credit Unions Director 2006 2014
NCAAU basketball coach for NC Gaters 9/under 2008 2009
Coached AAU League basketball team for high school students, Spring 2002
Coached middle school YMCA basketball team. Spring 2000 – 2001
Referee for YMCA Basketball – 1998, 1999
Coach Jr. High Church League Championship team first year as coach Fall 1998 Spring 1999 Coach Sr. High Church League Fall 1998 Spring 1999
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