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Consumer Lending Manager

Location:
Covina, CA
Salary:
80000.
Posted:
May 28, 2020

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Resume:

Dear Sir or Madam,

Enclosed please find a copy of my resume respectfully submitted for consideration.

I have been employed in the banking/credit union industry in various positions for more than thirty years. The last twenty-one years were in management roles. My areas of expertise are indirect and consumer loan underwriting, collections, loan and card servicing and operations and project management/compliance. I have been successful in growing and managing loan portfolios, often exceeding corporate goals and objectives, and identifying card fraud patterns prior to procuring major losses.

I was hired at AHFCU in June to complete an audit of their new consumer loans for the months of March through June. I completed the project in half the time allotted and was asked to stay on an additional two weeks to work with the staff to resolve all the outstanding exceptions. Upon completion, I was then asked to stay on as a consultant to work on a special project. In August, I was invited to apply for the Accounting Lead Services position and was hired and then promoted to Risk & Compliance Manager in December.

I was self-employed outside of the industry for 8 years.

I am a high-producing, fast learner with a dedicated and committed desire to serve and I believe I would be a valuable, contributing member of your staff, bringing many years of experience and expertise to the organization. I would be grateful and appreciative for an opportunity to interview for this position or any others that you may consider me for.

Thanking you in advance for your time and consideration.

Respectfully,

Judith M. Colburn

Judith M. Colburn

1237 N Sunflower Ave Apt A Covina CA 91724

C: 909-***-****

addg5w@r.postjobfree.com

Seasoned, high producing results-oriented management professional with 30 years of extensive experience in consumer loan underwriting, documentation, risk and compliance, operations, servicing, collections, quality control and project management. Proven ability to multi-task, work in a team or independently and meet/exceed goals and objectives.

June 2019 – Present Allied Healthcare Federal Credit Union, Long Beach CA

Risk & Compliance Manager – December - Present

Manage and Oversee Collections, Internal Auditing, Risk and Compliance Functions

Assign and Manage Repossessions and Property Foreclosures through close of sale/disposition

Oversee and Monitor collection queues from first payment defaults to 31 days

Work 31+ Delinquencies, Skip Tracing, Small Claims, Wage Garnishments

Work with members in hardship, leading the process, submitting recommendation to Loan Committee and completing resolution

Maintain working knowledge of collection laws, including FDCA, Regulations, Rosenthal, et al

Prepare Monthly Delinquency, Analysis, Charge Off, Recovery and ALL Reports

Conduct Internal Loan, New Account, Adverse Action, Closed Account and EOD Account Audits and Prepare and Issue Monthly Reports

Assess/Monitor/Report Underwriting Quality and Credit Risk for Loans and New Accounts

Follow up on outstanding exceptions through correction and resolution

Prepare, Submit and Reconcile EDD and IRS IRA Withholding, Wage and Tax Reporting

Maintain ongoing relationships with various vendors

Maintain working knowledge of, process and complete all Regulatory Compliance Functions

Assist staff with lending and collection questions and resolutions

Research Credit Union Projects

Accounting Services Lead – August-December

Manage and oversee Collections, Internal Auditing and Accounting Functions

Coach and Manage two direct reports

Work 90+ Day Delinquencies

Assign and Manage Repossessions and Property Foreclosures through close of sale/disposition

Oversee and Monitor collection queues from first payment defaults to 59 days

Work with members in hardship, leading the process, submitting recommendation to Loan Committee and completing resolution

Train and manage staff on collection laws, including FDCA, Regulations, Rosenthal, et al

Prepare Monthly Delinquency, Charge Off and Recovery Reports

Oversee Internal Loan and New Account Audits and Issue Monthly Reporting

Reconcile various GL Accounts, ALLCO, EDD and IRS IRA Withholding, Wage and Tax Reporting

Maintain ongoing relationships with various vendors

Consultant - June-August

Review and audit all new consumer loan files for loan underwriting quality, documentation,

compliance and policy issues

Identify policy, procedural and compliance violations

Prepare Audit Report for Senior Management

Educate staff on proper violation resolution

Make recommendations to Management on Portfolio Risk, Tracking and Compliance

Special Projects Lead

Provide training for Internal Auditing and Collections Staff

March 2019 – June 2019 Foothill Family Shelter, Upland CA

Volunteer

Front desk duties, answer and direct phone calls as appropriate

Prescreen potential candidates for residency

Accept and record program payments, clothing orders and donations

Maintain volunteer applications and time-sheet database and excel files

Other duties as assigned

2009-2018 Self Employed – Out of Industry

2010 – 2011 Lutheran Credit Union of America, Brea, CA

Consultant

Conducted Annual Credit Risk Visa Portfolio Review

Conducted Annual HELOC Risk Review

Researched, reviewed and created Business Loan Policy

Audit File Maintenance Reports, Teller Cash Drawers, Employee Accounts, General

Ledger Accounts

Prepared Collection, Foreclosure, Work Out Loan, Modification and Delinquent Loan

Policies

Conducted and completed FINCEN, OFAC Reporting

Update Loan Guidelines, Loan Policy, NMLS, Reg GG

Wage Garnishment Research-Policy-Procedures

2006 Kinecta Federal Credit Union, Manhattan Beach, CA

Lending Manager

Managed consumer direct and indirect lending underwriting department

Managed staff of 9

Developed dealer relationships and increased loan volume anddealer participation with on-site buying

Responsible for monthly reporting, budget, staff development

1997 – 2006 Credit Union of Southern California, Brea, CA

Indirect Lending Manager

Created and managed Indirect Lending Department

Increased monthly volume from $290,000 to over $8 million

Exceeded all department and corporate goals and expectations for service, volume, decision and funding turnaround times

Developed, coached, supervised staff of 5

Developed and maintained dealer relationships

Created Loan Policy and Guidelines for Indirect Lending

Quality Control/Project Manager

Responsibilities included conducting research and serving on project committees for lending division products and services

Submit written recommendations to senior management and/or project team

Created indirect lending underwriting matrix

Also performed audit sampling of consumer and all indirect loan packages and underwriting, compliance, loan file maintenance

Monitored for risk and fraud, BSA, FinCen and OFAC and reporting

Served on Indirect Lending management team which was responsible for monitoring the program and portfolio on a quarterly basis or as needed

Card Services Manager

Assisted in the creation and implementation of the Visa Check Card

Managed daily operation and servicing of ATM, Check and Visa Classic and Gold credit card portfolios

Created organization-wide training materials for Card Services Procedures

Conducted periodic training session member services staff on card services practices and procedures

Maintained card services processing systems and platform with vendors

Managed and reviewed accounts and reports for fraud, risk, theft and portfolio integrity

1997 – 2006 Southern California’s Helping Hands

Founder/Chair/CEO of credit union’s charity established in 1997, receiving 501c status in 2003

Responsible for administration of all activities including annual golf tournament, food outreach and holiday outreach programs

Responsible for budget preparation and oversight

Responsible for building relationships, networking, board meetings, donations

1995-1997 American First Federal Credit Union, La Habra, CA

Assistant Vice President, Lending

Supervised managers and oversaw consumer loan and collection departments

Developed and implemented new loan products and services

Revised and improved loan policies, guidelines and procedures

Developed underwriting matrix and implemented CU Direct lending program

Developed and led internal training sessions as well as working with outside sources on consumer loan underwriting and collection standards

1992-1995 Credit Union of Southern California

Consumer Loan Manager

Managed daily operation of all aspects of the consumer loan and card services departments and staff

Achieved department and corporate goals for loan volume and turnaround times

Assisted in the creation and implementation of policies, procedures and automated systems for Consumer Loan Department

Maintained card services processing systems and platform with vendors

1990-1992 Guaranty First Trust Company, Waltham, MA

Assistant Vice President, Loan Operations

Managed all servicing aspects of commercial, consumer and real estate loans. Managed, coached and developed area supervisors for Real Estate, Consumer/Commercial and Credit Cards. Reconciled general ledger accounts.

1989-1990.1Anaheim Area Federal Credit Union, Anaheim, CA

Credit Manager

Hired as Collection Manager responsible for collection of past due accounts, supervising two employees. Promoted to Credit Manager overseeing underwriting, originations and collections. Managed staff of 6.

1985-1988 Guaranty First Trust Company

Consumer Loan Operations Manager

Managed daily operation of consumer loan servicing department and staff of four as well as the credit card supervisor. Reconciled monthly general ledger accounts for consumer loans.

Note: Prior to Guaranty First I was employed with Direct Federal Credit Union, Needham, MA as a collector and then promoted to loan officer and Baybank Middlesex, Waltham, MA where I held various positions including Credit Investigator, Loan Servicer and Collector.

Education

1974-1977 Newburyport High School Newburyport, MA

Acquired Skills

Management – Leadership Computer: Microsoft Word, Excel, Powerpoint, Word

Relationship Management Press, Quickbooks

Communication – Written and Oral Report Writing

Public Speaking Budgeting

Customer Service Fundraising

Research Business Development

Time Management Problem Solving

Team Building Loan Underwriting

Risk Assessment Collections

Project Management Compliance

References

Shannon Workman, SchoolsFirst FCU (B) 800-***-**** ext 4276) (c) 909-***-****

Marji Hughes, Christian Community Credit Union (B) 800-***-**** (c) 714-***-****

Susan Collins, CSU, Fullerton (C) 714-***-****

Linda Perigard, The German Apartments (C) 570-***-****



Contact this candidate