Memphis, Tennessee, United States
Creative, results driven and accomplished professional that can add value to an organization. Able to communicate at all levels of leadership with poise, clarity and confidence. Career reflects success in the corporate arena, customer service and academia. I have over 9years of banking, underwriting, proven customer relations and retention experience. I have over 6 years of cross selling various banking products and has demonstrated the ability to be goal oriented. An, effective communicator and disciplined leader who uses multifaceted expertise to be able to use sound judgment to make effective, timely decisions; act decisively with logic and confidence.
As COO, I lead operational strategy, branch performance, and member experience initiatives across the organization. My role focuses on driving growth, operational excellence, and regulatory compliance while supporting a strong service culture. I have successfully led several large-scale organizational initiatives, including a full branch remodel, a company-wide name change and rebranding effort, and a core system conversion—each designed to enhance operational efficiency, strengthen our market presence, and improve the overall member experience. Key responsibilities include: • Leading branch operations, member services, and organizational efficiency across all locations. • Driving strategic growth initiatives, including membership expansion and new account acquisition. • Managing and developing high-performing teams, including branch managers and operational staff. • Ensuring strict regulatory compliance, risk management, and adherence to credit union policies. • Overseeing process improvement, workflow optimization, and operational technology upgrades, including core system enhancements. • Partnering with lending, collections, finance, and HR to support cross-departmental alignment and organizational goals. • Enhancing the member experience, service quality, and overall brand reputation through continuous improvement initiatives. • Supporting long-term strategic planning, organizational development, and performance metrics.
Vice President of Lending and Collections Shelby County Credit Union Overseeing and managing the credit union’s lending and collections operations to ensure the financial health and growth of the institution. This role involves strategic planning, operational management, and team leadership to achieve organizational goals. Key Responsibilities • Develop, implement, and monitor lending strategies, policies, and procedures to align with the credit union’s goals. • Oversee the approval and management of consumer, mortgage, and commercial loans, ensuring compliance with regulatory standards. • Manage the collections process, including delinquency control and recovery of outstanding debts, while maintaining member relationships. • Analyze loan portfolios to identify risks, opportunities, and trends, and recommend strategies for growth and risk mitigation. • Lead, mentor, and develop lending and collections staff to ensure high performance and member satisfaction. • Collaborate with other departments to drive cross-functional initiatives and ensure seamless service delivery. • Ensure compliance with all federal, state, and local regulations related to lending and collections. • Prepare and present regular reports on loan performance, delinquency trends, and overall department metrics to the team.
Kilowatts Technology Setting the vision and long-term strategy • Guiding product development and innovation • Building and leading a high-performing team • Overseeing financial health and resource allocation • Ensuring strong execution and daily operations • Managing investor, partner, and public relationships • Navigating risk and industry change • Driving growth and scaling the business In a fast-moving industry, success comes down to balancing bold innovation with smart business decisions.
Oversee the daily operations of the Consumer Lending department to meet/exceed established strategic initiatives while ensuring adherence to consumer credit laws, rules and regulations. Formulate and execute the implementation of enhancements to existing consumer loan products in order to maximize engagement. Develop and execute plans to facilitate growth of credit card products in accordance with the credit union strategic plan. In partnership with other credit union functional areas, develop and deliver initiatives to achieve product growth. This includes, but is not limited to Retail, Marketing, Business Services, Digital Banking, Member Connect and Card Operations. Work directly with senior management in the creation, implementation, and maximization of production goals and campaigns for assigned consumer portfolios. Analyze current and prior production, goals, and campaigns to determine effectiveness and future enhancements Collaborate with Marketing and Technology Strategies departments in the development and execution of all promotions and maximization of digital presence. Partner with Retail Operations and Digital Banking to maximize offer presentment in branch and electronic delivery channels. Collaborate with Technology Strategies and Information Technology departments to ensure credit union is utilizing all available tools and services to maximize product offerings to members Collaborate with other stakeholders throughout the credit union to review, evaluate, and re-engineer processes in order to improve the member experience by developing ways to expedite processes and eliminate friction points. Maintain thorough knowledge of and adherence to all applicable Federal and State guidelines, rules and regulatory requirements, policies and underwriting guidelines. Develops, recommend, and implement changes to lending policies and procedures.
Responsible for complex loans/industries/Customers. Strong understanding of loan risk factors. Train/mentor/coach junior analysts. Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, references from other banks, credit agencies, as well as accessing information through the Internet. Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge. Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower’s character, credit worthiness and financial condition. Supports the lending function by providing analytical support. Lead projects pertaining to new loan software and integration
Responsible for complex loans/industries/Customers. Works independently. Strong understanding of loan risk factors. Train/mentor/coach junior analysts. Researches industry specific information from outside sources, which may include conversation with Borrowers, industry publications, references from other banks, credit agencies, as well as accessing information through the Internet. Participates in Customer meetings and make direct inquiry for specific Customer information based on prior research, experience and knowledge. Integral part of loan origination process. Responsible for performing underwriting analysis of Borrower’s character, credit worthiness and financial condition. Supports the lending function by providing analytical support. Lead projects pertaining to new loan software and integration
Loan Officer II, FedEx Employees Credit Association July 2016- Present Responsibilities include: • Review and update credit and loan files. • Review loan agreements to ensure that they are complete and accurate according to policy. • Compute payment schedules. • Underwriting • Analyze applicants’ financial status, credit, and property evaluations to determine feasibility of granting loans. • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services. • Obtain and compile copies of loan applicants’ credit histories, and other financial information. • Stay abreast of new types of loans and other financial services and products to better meet customers’ needs. • Submit applications to credit analysts for verification and recommendation. • Approve loans within specified limits, and refer loan applications outside those limits to management for approval. • Interface with applicants to obtain information for loan applications
• Accommodate guests by making them feel welcome, informed, and cared for during the entire length of their stay • Relate to guests in a friendly and helpful manner • Ensure satisfaction by going the extra mile • Anticipate and respond to guest needs • Handle all aspects of guest registration, which can include: • Expediting the check-in/check-out process with swift computer and cash register skills • Following hotel rate structures, discounts, and selling strategies • Issuing room keys • Informing guests about hotel features and amenities, as well as local attractions • Satisfying special requests whenever possible • Find solutions quickly, and confidently address and resolve guest concerns • Remain flexible and adaptable in a consistently busy hotel environment • Collaborate with all hotel departments and utilize your complete knowledge of hotel operations.