vice president consumer lending resume example with 20+ years of experience
Jessica
Claire
resumesample@example.com
(555) 432-1000,
, , 100 Montgomery St. 10th Floor
:
Summary
Influential credit union executive with over 18 years experience and success in consumer lending, mortgage lending, financial management, lending technology and product development. A forward-thinking leader that can add value through extensive knowledge in branch and lending operations, product development with particular strength in team building. An inspiring executive leader with excellent communication skills, both oral and written. Extensive and effective network both inside the credit union and externally. Strategic and astute professional who identifies, plans and develops new business, networks and opportunities. Persuasive negotiator and positive relationship builder skilled in facilitating compromise while aligning goals with quantitative results.
Skills
Leadership & Team Building
Succession Planning
Team Development
Strategic Thinking
Lending Analytics
Organizational Structure
Lending Technology
Credit policy development and management
Relationship Building
Proposals and Presentations
Complex Problem-Solving
Process Improvement
Performance Monitoring and Evaluation
Portfolio and Finance Management
Business Development
Relationship and Team Building
Education and Training
John M. Huntsman School of Business Utah State UniversityLogan, UT, Expected in 08/2002 ā āMBA:Business Administration - GPA:
David Eccles School of Business University of UtahSalt Lake City, UT, Expected in 12/1995 ā āBachelor of Science:Accounting - GPA:
Cardwell 306/2 Executive Leadership, Expected in ā ā:Credit Union Senior Executive Leadership - GPA:
NAFCU Management Development InstituteDurham, NC, Expected in 01/2009 ā āCertificate: - GPA:
Experience
Mountain America Credit Union - VICE PRESIDENT CONSUMER LENDING City, STATE, 03/2004 - Current
Member of senior management team of $15 billion credit union. Total credit union assets during my tenure have increased from $3 billion to the current level of $15 billion
Responsible for setting the overall direction, vision and philosophy for consumer lending for the credit union
Responsible for all aspects of business development, loan origination, underwriting, loan process, documentation and credit monitoring for auto, RV, credit card, personal loan portfolios. Total dollar amount under management of nearly $7 billion
Provide executive leadership for downline teams of 100+ employees in 5 functional areas located in numerous states
Direct and manage the retail consumer lending function in 100+ branch locations in 6 states in addition to indirect lending channels in 10 states
Oversee indirect auto, RV and merchant loan originations along with credit management
Oversee lending insurance products including GAP, warranty and debt cancellation
Member of loan committee to review and decision commercial real estate loans, Small Business Administration loans and high dollar consumer and mortgage loans
Responsible for maintaining lending policies, guidelines and risk-based pricing program
Successfully directed the design, build and implementation of a loan origination system including underwriting rules, workflows, documentation, closing/funding, interface with the core system (Episys) and online facing for all consumer loan types
Architect of regular prescreen programs and credit line increases on existing cards
Volkswagen Bank USA - HOME EQUITY PRODUCT MANAGER City, STATE, 04/2001 - 03/2004
Hired to research, develop and provide leadership for the bank's loan products for a start-up banking subsidiary of Volkswagen of America (at the time the world's 4th largest automotive manufacturer)
Led a core team of ten in the areas of accounting, finance, legal, compliance, operations (credit, loan processing, collections, customer service), marketing and sales, information systems and treasury
Directed and managed relationships of service provider organizations located in multi-locations
Presentations to Board of Directors.
Mountain America Credit, Mortgage Services - MORTGAGE SERVICES MANAGER City, STATE, 05/1997 - 04/2001
Member of the management team for a $900 million credit union
Responsible the business development and originations operations for a $300 million mortgage portfolio consisting of first and second mortgages
Managed a staff of 30+ employees in multiple locations in the areas of loan origination, credit and collateral underwriting, loan processing, closing, lien perfection, training, business development and reporting
Held the positions of Senior Teller, Accounting Technician, Internal Audit Assistant, Mortgage Loan Originator and Assistant Manager of Mortgage Services, prior to being promoted to Mortgage Services Manager
Activities and Honors
Adjunct Faculty Weber State University Goddard School of Economics and Business
Experian Credit Union Advisory Board
CU Direct Client Advisory Board
CUNA Lending Council
Advisor, Utah Business Week August 2019
Member, Board of Directors April 2016 ā September 2018 Quest Academy Charter School
Accomplishments
Proven consistent record of loan growth
Loan growth of nearly 18% in 2021 while maintaining overall delinquency of .54%
Successful expansion of indirect and retail lending into new markets and product lines
Examples include indirect lending expansion in Idaho, Montana, Eastern Washington and development and expansion of merchant lifestyle lending program
Development of an in-house loan origination system to originate consumer, home equity and student loans and new accounts
Extensive numerous successful pre-approval campaigns for auto and credit card
Total downline organization of nearly 100 employees
Media trained, appeared on television ads, live television news programs, frequent and requested presenter both internally and externally.
Recipient of Summit Award forperformanceomance, leadership exemplifying the very best of Mountain America company values
Any information uploaded, such as a resume, or input by the user is owned solely by the user, not LiveCareer. For further information, please visit our Terms of Use.
Resume Overview
School Attended
John M. Huntsman School of Business Utah State University
David Eccles School of Business University of Utah