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-***-****