Executive Chief Credit Officer

Strong servant leader with the ability to accomplish complex objectives through team building and collaboration. Solid history in senior management, merger integration, vision creation and strategic planning. Notable performance as an innovator, project leader, mentor, and agent of change. Strong believer in the advancement of equitable and inclusive cultures that empower individuals, promote accountability and reward merit, leading to continuous improvement and strong financial performance.

Employment History

2015 – Present

Chief Credit Officer/Acting Chief Lending Officer (January 2019 – Present); Vice President of Credit Administration

Oversee all aspects of credit risk/strategy, loan originations, portfolio management/performance, operations, collections, and related balance sheet management among other functions within the organization. Responsible for policy development and compliance, planning, budgeting, and directing the underwriting, processing, servicing, cash management and collections activities of these areas within the $1.5 Billion credit union. Provide oversight of Loan Committee, Credit Risk Committee and actively participate in ALCO.

• Provide credit coaching and training for lenders and underwriting staff, contributing to increased credit, and underwriting quality while surpassing production goals in excess of 180% of goal over the last 3 years

• Clean federal and state audits 3 years in a row, with 2018 receiving a “no findings” result from DFI/NCUA that supported DFI approval of an increase to the business lending cap of 2.15x net worth

• Consumer Collections increase in recoveries of 156% in 2016 (86% of total amount recovered after implementing new strategies in May of that year), and an additional 56% in 2017 with a further record breaking 2018; delinquency ratio has continued to steadily decline from excess of 1.0 in 2016 to historic lows ranging 0.16-0.18 by Q4 of 2019, despite increase in queue volume; this is further supported by clean audits the last 3 years. Currently boast the highest recoveries among Washington State credit unions.

• Chair of Senior Leadership Team since Jan. 2019, launched new team format that includes partnering with Executive Management to ensure/encourage a cohesive leadership team that fosters trust, transparency, and consistent messaging across the organization

• Created and launched new employee-based Equity & Inclusion Team within the organization, working closely with the CEO to ensure support, resources and inclusive messaging while providing leadership and guidance to the team

• Chair of IT Governance Committee (2017-2018), which makes overall estimates of resource needs, researches options that exist for differing platforms and systems, and recommends specific solutions. Reports to Executive IT Steering Committee responsible for setting IT strategic direction

• Created materials and training for the University of Washington Foster School of Business summer intern partnership with the credit union where students provide business counseling and finance options to women-, minority- and veteran-owned businesses, providing approximately $1 Million in small business loans through the credit union each year; resulting in a UW Corporate Partner of the year award in 2017

2013 – 2015

Vice President/Director of Business Services

Led the development and expansion of a new business lending program focused on business loans, credit cards, cash management, business accounts, merchant services and payroll processing. Directly responsible for building the lending team, infrastructure, policies, portfolio management/performance, operations and execution along the entire business services platform to include sales, marketing, budgeting, servicing, board reporting and early stage collections/work outs, working directly with the executive team. Acted as Chief Credit Officer, chairing loan committee and recommending all pricing and incoming loan requests.

• Led all small business and C&I/commercial real estate loan origination, increasing new loans by 38% in 2014 and doubling loan volume with net loan growth of 16% in 2015

• Secured SBA Lending Certification and successfully launched SBA program and servicing partner

• Launched a new Business Visa program with new products, BINS, and a new visa origination system

2005 – 2012

AVP/Commercial Relationship Manager; AVP/Commercial Assistant Relationship Manager; Commercial Loan Assistant

Provided full-service business banking while maintaining lasting relationships with clients and assisting them in all their banking needs. Focused on commercial & industrial and commercial real estate loan origination via outside calling and other direct marketing efforts.

• Recruited to be commercial representative and lead credit analyst trainer for the Puget Sound region after two bank acquisitions in 2010; directly handling merger integration working closely with the region’s five commercial lending offices, assisted in hiring and training new commercial analysts, further training lenders and analysts on underwriting, financial analysis & credit quality communications

• Worked with the FDIC ensuring adherence/management of the loss-share agreement within the acquired portfolios; developed/implemented/monitored budgets & business plans for underperforming companies while maintaining positive client relations & brand loyalty

• Assisted in building a new Business Banking Division, including brand/marketing efforts; in the first five months individually producing over $18 million in new loan packages

• Municipal lending representative for the Portland Metro region; building relationships with local municipal bodies & training internal associates

2012 – 2013

VP/Commercial Loan Officer

2005

Commercial Loan Assistant

2003 – 2005

Senior Loan Representative; Loan Services Representative

Additional Professional Experience

• Team lead and primary speaker at lobbying events for financial services industry, at both the state and federal levels.

• Supported two small tech business launches managing accounts/projects while handling multiple tasks which included contracts, budgeting, brand/email marketing, PR, trade show promotions, investment capital efforts, coordinating third party vendors, working with designers and clients as well as bookkeeping.

• President of a homeowner’s association handling communications/logistics of homeowners, property management reps, legal team, maintenance crews as well as implemented new bylaws, community events and increased overall community satisfaction.

• Chaired 2013 annual auction fundraiser leading successful committee recruitment/management/delegation resulting in 30% lower budget, 25% higher attendance and highest percentage in club history.

• Event coordination/marketing/hosting/providing excellent customer service for various marketing/fundraising events.

• Successfully obtain procurement/sponsorship from local businesses for various fundraising events

• Planned/executed most successful membership recruiting event, increasing average new member   rate by 633%.

Education

2021 – Master of Business Administration Candidate, emphasis in Finance and Organizational Management

2002 – Bachelors of Arts in Sociology and Women’s Studies, with an emphasis in Personnel and Human Relations, and minors in Business and Human Resource Management

2006 – Various Accounting Courses

2007 – Commercial Lending Bootcamp Graduate; comprehensive credit training program

Honors

Keynote Speaker – 2017

Senior Fellow, Class XXIII – 2016-2017 

Most Influential Businesspeople “40 Under Forty” Recipient – 2013 

Culture Champion Award – 2010 

President’s Club Award – 2006