Business Development Credit Union

John F. Kirk

********@****.**.***

www.linkedin.com/in/john-f-kirk

San Antonio, TX, 210-***-****

Professional Summary - San Antonio

Visionary and accomplished executive with 15+ years of progressive leadership in commercial and retail banking, including serving as President & CEO. Proven expertise in driving strategic growth, building organizational resilience, and developing high-performing teams. Adept at board engagement, fiduciary oversight, regulatory navigation, and fostering stakeholder trust. Spearheaded multiple successful mergers and operational transformations in the Texas financial sector. Known for driving innovation, optimizing portfolio performance, and cultivating a culture of excellence.

Areas of Expertise

Executive Leadership Experience

Credit Training and Risk Analysis

Local Market expertise

P & L Statement Responsibility

Building Relationships

Business Development

BSA Officer / AML

Compliance & BSA/AML

Staff mentoring

Budget Management

Non-Profit Leadership

Key Strengths

Board Collaboration & Oversight: As CEO of Alamo Federal Credit Union, led quarterly board presentations, annual strategic planning sessions, and collaborated on fiduciary decisions impacting $100M+ in assets.

Operational Turnaround: Restructured underperforming financial institution, increasing lending by 25%, decreasing delinquency to under 0.75%, and halving credit losses to under 1.5%.

Strategic Mergers: Successfully led 8 credit union mergers, optimizing staff structures, enhancing member services, and improving capital ratios.

Community Market Penetration: Achieved 10% membership growth through market analysis, grassroots business development, and leadership in civic and business communities.

Regulatory Excellence: Guided BSA/AML reviews resulting in outstanding regulatory outcomes.

Portfolio Excellence: Managed consumer and commercial portfolios exceeding $250M with performance-focused strategies and member-centric innovation.

Executive Compensation Alignment: Experienced with executive bonus structures and compensation modeling aligned to performance, profitability, and growth KPIs. (New)

Mergers & Acquisitions: Led and completed 8 successful mergers, driving strategic realignment, financial restructuring, and staff coaching.

Community Leadership: Enhanced credit union presence by leveraging local market networks and centers of influence, resulting in higher client engagement and brand recognition.

Regulatory Compliance: As BSA Officer, implemented effective AML processes, ensuring positive regulatory reviews.

Prepared monthly reports including key performance indicators (“KPIs”), financial performance, annual budget, and growth goals as well as ad hoc analysis

Career Experience

Commercial Loan Officer, A+ FCU, Austin, TX 2021 – 2022

Originated and closed commercial lending transactions, leveraging strong credit acumen and business development expertise.

Managed and analyzed financial statements to tailor solutions that supported business growth.

Maintained portfolio quality while meeting lending targets.

Managing Director, The JFK Firm, LLC, San Antonio, TX 2007 – present

Provided consulting services for diverse industries, focusing on financial growth, cost reduction, and operational efficiencies.

Worked with startups, healthcare, real estate, and non-profits to optimize revenue strategies.

Delivered coaching and mentoring solutions to business leaders.

Regional Director – Market President, Pentagon Federal Credit Union, San Antonio, TX 2016 – 2019

Played a critical role in the merger of Alamo Credit Union into Pentagon Federal Credit Union.

Conducted market analysis to optimize branch network strategy, reducing operational costs and enhancing service efficiency.

Developed a comprehensive plan to increase brand awareness and member acquisition.

President and CEO, Alamo Federal Credit Union, San Antonio, TX 2011 – 2016

Restructured and revitalized operations, increasing lending volumes by 25%.

Reduced delinquency to under 0.75%, credit losses from 2.5% to 1.5%, and enhanced revenue through cross-selling.

Led BSA/AML reviews with successful regulatory compliance outcomes.

Combined CLO/COO positions to improve organizational efficiency and 10% membership growth.

First Vice President: Consumer Loan Division,

Credit Human FCU

San Antonio Federal Credit Union, San Antonio, TX

Managed a $250M+ direct consumer loan portfolio.

Developed protocols for multiple loan products, including auto loans, Visa, and home improvement.

Established innovative digital lending systems and strategic partnerships, becoming the #1 Home Improvement Financier in San Antonio.

Developed affinity relationship with Daughters of the Republic of Texas, which resulted in the introduction of the “Alamo MasterCard”.

Associations

Bexar Bulverde Volunteer Fire Department – Assistant Treasurer/Chief Investment Officer

San Antonio Chamber of Commerce Rotary Club - Downtown

New Braunfels Chamber of Commerce UTSA CITE School - Mentor

Advisory Board member and Mentor Masters Leadership Program of San Antonio

Blessed Sacrament – Board Member Comal ISD – Strategic Planning Committee

Education

Business Administration and Management

Harvard University, CSS

University of Virginia, Graduate School Retail Bank Management

American Bankers Association: American Institute of Banking

Commercial Lending Program & Analyzing Financial Statements

Worcester State University, BA, Economics

Lean Six Sigma Greenbelt Certification

Eagle Scout Award

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