Professional financial services executive and consultant with extensive loan, operations, project, risk management, sales and management experience. Loan experience includes commercial lending, consumer credit, credit card and mortgage lending.

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Accomplished executive with over thirty-five years professional financial services and consulting experience. Recognized for extensive bank commercial credit, consumer lending, residential mortgage, operations, project, risk, financial, sales and consultative management knowledge and experience.

Henle Associates – California and Oregon

Independent management consultant to business, financial services and non-profit organizations.       

Focus areas:
Strategic planning and restructuring
Evaluation of business opportunities
Addressing regulatory challenges
Merger and acquisition due diligence
Business plan and systems development for sales, operations and IT groups
Operations process evaluations and risk assessments

Rabobank – California and New York
Executive Vice President - Director of Country Banking Properties
Developed and managed leased and owned commercial properties for institution and affiliates and bank insurance program. 

Rabobank, N.A. – California
Executive Vice President - Chief Operating Officer
Executive over deposit and loan operations, information technology, regulatory compliance, corporate projects, and facilities planning and management functions. Additional accountabilities included regulatory point of contact and operations risk management.

Aegis Consumer Funding Group, Inc. – New Jersey
Executive Vice President – Chief Operating Officer
Directed operations, quality control, human resources, systems, facilities and credit/risk management.

First Interstate Bank – Washington and Arizona
Senior Vice President
P&L accountability for retail/consumer and wholesale credit business lines. President of residential mortgage subsidiary serving multiple state market areas

Bank of America, NT & SA – California
Vice President
Credit Policy/Risk Manager for portfolio consisting of commercial, direct and indirect consumer loans and lines of credit. Prior positions include Statewide Head of Consumer Credit as well as various credit administration, branch management and lending assignments.

Education
Bachelor of Science, Accounting and Finance, University of California at Berkeley
Executive Leadership Program, California Bankers Association
Executive Development Program, California Bankers Association and University of Southern California
Certified Commercial Lender and Certified Consumer Lender
Graduate School of Retail Bank Management, Consumer Bankers Association at University of Virginia

Professional and Other Associations
California Bankers Association
Member State Government Relations and  Finance and Operations Committees
Chairperson  2004 Finance and Operations Conference
Oregon Bankers Association
Independent Community Bankers of America

Atm Transactions Auto Dealer Auto Leasing Bank Enforcement Action Bank Operations Bank Practices Bank Procedures Bank Regulation Bank Secrecy Act Banking Standards Practices Check Cashing Check Handling Procedures Commercial Banking Commercial Lending Community Banking Consumer Lending Credit Card Customer Identification Programs Dealer Fraud Debit Card Deposit Transaction Financial Services Flooring Indirect Lending Lease Underwriting Administration Lender Liability Lending Liquidity Loan Loan Administration Loan Credit Policy Loan Fraud Loan Review Loans Direct And Indirect Management Memorandums Of Understanding New Account Fraud Operations Credit Real Estate Loan Fraud Repossessions Residential Real Estate Respa Til Compliance Retail Banking Safe Deposit Suspicious Activity Reports

atm transactions, auto dealer, auto leasing, bank enforcement action, bank operations, bank practices, bank procedures, bank regulation, bank secrecy act, banking standards practices, check cashing, check handling procedures, commercial banking, commercial lending, community banking, consumer lending, credit card, customer identification programs, dealer fraud, debit card, deposit transaction, financial services, flooring, indirect lending, lease underwriting administration, lender liability, lending, liquidity, loan, loan administration, loan credit policy, loan fraud, loan review, Loans Direct And Indirect, management, memorandums of understanding, new account fraud, operations credit, real estate loan fraud, repossessions, residential real estate, respa til compliance, retail banking, safe deposit, suspicious activity reports