Strategic consultative business partner focused on driving transformation and laying a solid foundation for clients to achieve unimaginable success. Offering deep experience in operational efficiencies using Lean Six Sigma principles, driving revenue growth and risk management, J.R. & Associates is the preferred strategic business partner with core values of transparency, accountability and feedback.

Oversaw all aspects of multiple branches, including budget, sales, service, profitability, compliance, operations, and member service as well as consumer/small business lending, business development and loan/deposit
operations.
◆ Effectively partnered with lines of business throughout the organization, ensuring alignment and synergy.
CRM/Qnomy/NumericaNow/Video Banking implementation
and new Account Origination System selection.

The strategic value of this role was to provide innovative solutions to top banks in the US, as well as Federal Home
Loan Banks, to ensure efficient, compliant processes. This role worked closely with bank regulators for exams and
prepared large institutions for DFAST submissions by means of performing model validations, model refinement and
re-structuring roles to achieve compliant organizational structure

Oversaw consumer, home equity and small business lending area, internal appraisers, consumer collections, ABL
monitoring and the Loan Administration Division.

Oversaw the consumer and smart/small business lending area, including operations, credit policy, risk
management and model validation.