Nimble senior leader and MBA with extensive 25 years of experience ensuring the performance and solidifying the financial position of a variety of multimillion-dollar and multibillion-dollar financial institutions (including credit unions). Adept in identifying and leveraging opportunities to enhance value propositions and strategic initiatives for desired results. Proven experience to enhance quality practices and operational efficiencies to drive market penetration for performance objectives. Areas of expertise: Strategic Planning Corporate Governance Market Expansion Initiatives Policies and Procedures Development / Management Regulatory / SOX Compliance Funds Management Credit Administration Quality Control Service Impact Initiatives Feasibility Studies Business Reviews Project & Program Reviews Performance Management
Extensive professional development training including numerous certifications and courses.
Invited speaker at Bank & Financial Institutions Special Asset Forum on Real Estate, C&I and SBA Loans in Chicago (2011, 2012), Dallas (2011), Los Angeles (2012, 2014), New York (2012), and Miami (2015);.
and REO Default Servicing 5-Star Conference in Dallas (2009).
President & CEO01/2012 to Current KINETIQ GROUPSan Antonio Longview, Texas Washington
Provide senior management and strategic solutions for planning, supervision, and corporate governance for businesses (small to large multi-national) and institutions, including best practices in operations, policy management, and administration of banks and credit unions for optimal performance.
Engagements have included: strategic planning, policy development, corporate governance, full life cycle of credit administration, along with community, board, and capital development.
Invited speaker at Bank and Financial Institutions Special Assets Forum on Real Estate, C&I, and SBA Loans in Chicago, Los Angeles, and Miami.
Executive Vice President01/2010 to 01/2012 HEARTLAND BANK AND TRUST COMPANY Citizens First National BankPrinceton, Illinois
Executive responsible for strategic planning, supervision and corporate governance, including full life cycle of credit administration of $1 Billion plus institution with 20 branches in Northern and Central Illinois.
Support the Board of Directors and Management to return the bank to a viable, profitable, safe and sound institution.
As a result of efforts, Citizens First National Bank was subsequently acquired with Heartland Bank and Trust became a $2.5 Billion profitable financial institution.
A bank's first Chief Credit Officer, oversaw credit quality of lending initiatives, loan operations, and quality control, including CRE, C&I, consumer, and mortgage (FHLMC, FHA, and FNMA).
Implemented and directed a Special Assets department that worked through a diverse portfolio of over $200 million in delinquent and problem assets.
Successfully negotiated and directed $400MM on mortgage servicing rights purchase/sale transaction.
Senior Vice President01/2009 to 01/2010 LONE STAR NATIONAL BANKMcAllen, Texas
Executive manager up to deliver more than $50MM monthly loan production support, led loan administration team in the effective oversight of loan operations, imaging, and administration for this $2 Billion plus institution as its first Chief Credit Officer.
Effectual senior manager in contributing to organizational planning, service initiatives, budgeting, policy and staff development.
Committees included: Executive committees for compliance, loan review, and asset/liability management (ALCO).
Supported market expansion by enabling increased capacity with a focused initiative to streamline workflows and improve operational efficiencies for Commercial, Mortgage, and Agribusines.
Enhanced customer (internal/external) service delivery by establishing formal Service Level Agreements.
Senior Vice President01/2004 to 01/2009 VIEWPOINT BANK LegacyTexas BankPlano, Texas
Senior manager directed cross-functional teams in managing credit administration and operations of full life cycle loan servicing of $2 Billion portfolio.
Integral in driving up to more than $100MM in monthly loan production via 20 branch and 10 LPO's (via mortgage banking subsidiary), along with call center, private client, and electronic channels throughout primarily Texas and three other neighboring states.
Senior management committees included: Deposit Operations, ALLL, ALCO, and CRA.
Successful core system conversion project with over 200,000 accounts.
Senior manager to support successful initial public offering (IPO) that raised $116 Million.
Executive credit administration included full life cycle of consumer, commercial (CRE and C&I), and mortgage loans for the bank, including 3rd party servicing, secondary market (FNMA and FHA).
Manager/Supervisor01/2003 to 01/2004 EASTERN FINANCIAL FLORIDA CREDIT UNION SPACE COAST CREDIT UNIONMiramar, Florida
Supervised the operations and administration for the $1.6 Billion institution's indirect consumer lending portfolio.
Ensured the efficient provision of all underwriting and processing for more than $20MM in monthly consumer indirect loan production.
Transformed and motivated department into a high performance team capable of meeting and exceeding organizational goals with concrete goals and systems for accountability.
Vice President01/1999 to 01/2003 RIVERBANK ACCEPTANCEFort Lauderdale, Florida
Senior manager responsible to manage, mentor, and train staff supporting five locations.
Directed the originations, business development, operations, and underwriting services for up to $8MM monthly in both consumer loans and business lines of credit for privately held company.
Vice President01/1992 to 01/1999 JETFIN SERVICES CORPMiami, Florida
Directed commercial loan administration and lending management for the company's corporate jet aircraft portfolio while managing the outside Loan Officers for originations / business development activities in over ten major markets throughout the U.S.
of up to $15MM per transaction.
Master of Business AdministrationNorthrop University
Chair - Government Affairs Committee, Kelso/Longview Chamber of Commerce Board Member - Longview Early Edition Rotary, WA Board Member - Illinois Valley Symphony Orchestra, Peru, IL Board Member - Treasurer, International Museum of Art & Science Board Member - Vice President, Valley Symphony Orchestra & Chorale Committee Member - Family Services Committee, Dallas Habitat for Humanity Board Member - Consumer Credit Counseling Service of North Central Texas Resume
streamline, banking, budgeting, business development, C, call center, conversion, Credit, client, delivery, driving, Senior management, Financial, full life cycle, functional, Funds, imaging, managing, market, mentor, mortgage loans, organizational, policy development, speaker, quality, quality control, Real Estate, Service Level Agreements, sound, staff development, strategic, strategic planning, supervision, underwriting