KENNETH OPIE

Grand Prairie, Texas 75054

(682) 518-5604

kcopjr@aol.com

SENIOR VICE PRESIDENT OF LENDING

Assuring Quality and Performance PROFILE
Highly experienced Senior Vice President of Lending with a record of success in the underwriting, credit analysis, and placement of financial instruments, a recognized thought leader in the advancement and development of new business lines and operational changes that promote the growth of the enterprise as a whole and provide proven success in strategic planning, as well as contributions to the establishment of company direction. Adept at remaining competitive and relevant in todays rapidly changing economic and financial environment, with a willingness to adapt and embrace new technologies, products, and processes. A professional with expertise in mortgage, commercial, and consumer lending striving to continuously expand a personal base of knowledge. A professionally driven individual with both a strong work ethic and the desire to exceed expectations in all aspects of professional performance. Always on schedule, detailed-oriented, able to prioritize and handle multiple tasks while effectively functioning as a key team leader and individual contributor. Effective analyst who meets and exceeds corporate goals under challenging business / market conditions including mergers and revitalizations. Empathetic, knowledgeable team-builder able to utilize goal-setting and accountability to inspire collective diligence and optimism.

CORE COMPETENCIES
Business Development Professional Networking Strategic Financial Planning Organizational Restructuring Team Management Attention to Detail Exceptional Communication Skills Negotiations Customer Service Mortgage Underwriting Credit Analysis Risk Management Cross-Training Market / Investment Analysis Organizational Development Process Improvement Client Relationship Management Risk Analysis Quantitative Analysis Quality-Control Management Team Building Project Management Goal Setting Change Management Sales Management

InTouch Credit Union

PROFESSIONAL EXPERIENCE Plano, TX

2009 - 2011

Senior Vice President of Lending 2009 2011 Coordinated all nationwide lending and collection strategies, including mortgage / business / auto (indirect and direct) loans. Developed and implemented policies and procedures, managed risk, and established pricing. Directed loss mitigation, repossession, foreclosures, and workout loans. Actively served on the Executive Leadership Team, Audit Committee, and ALCO Committee. Established work measurement standards for underwriters, loan servicing, and collections. Analyzed, evaluated, and merged two loan portfolios from acquired credit unions. Achieved 17% loan growth in 2010. Regional Director 2009 Directed multi-state branches and a nationwide call center in sales production, operational procedures, and service delivery. Controlled business development activities and fostered a culture of accountability. Developed an outside business development calling program for branches. Led efforts to develop the InTouch culture in an acquired credit union. Exceeded all annual regional sales goals for the region in 2009.

Resume

Kenneth Opie Eagle Community Credit Union Vice President of Lending Lake Forest, CA

Page 2 2003 2008

Successfully coordinated all lending and collections duties, including direct / indirect consumer loans, real estate loans, and commercial loans, as well as supervised a 16-person staff. Developed and implemented policies / procedures to improve loan underwriting, and oversaw all risk management. Established credit scoring models and decision tables, and directed loss mitigation, repossession, foreclosures, and workout loans. Transformed a poor-performing department into the credit unions top-performing department. Developed and implemented a centralized loan environment, resulting in quicker loan decisions while reducing loan exceptions. Effectively cut credit union losses 75% by improving underwriting guidelines, staff development, and collection procedures. Generated $200,000 in additional annual revenue by discovering / enacting new income sources. Received exception-free audits for three years by restructuring loan and collection processes. Increased portfolio 125-300% annually by enhancing a real estate / home equity product. Conducted aggressive cross-training to enhance performance and accountability.

Business Bank of California

San Bernardino, CA

2002

Vice President / Manager Coordinated consumer and commercial lending department, the largest division of the bank, by providing responsive customer service, profitable sales, innovative business development, and effective sales / lending oversight. As a result of demonstrated management skills, chosen to lead a second branch during 60-day stint with corporation just prior to its merger.

Independent Contractor

2001

Expertly advised community banks on lending programs, portfolio performance, sales management, marketing, and operations. Implemented sales programs and relief assignments, and reviewed policies / procedures for recommended enhancements. Led a sales program to achieve 175% of sales goal over 13 weeks.

Bank of America

Southern CA

1978 2000

Career Note: Work history includes Regional, Sales, and Bank Manager positions. Promoted 17 times to progressively challenging positions. Achieved Gold Club status for 19 consecutive quarters for outstanding sales production. Vice President / Southern California Partner Relations Manager 1998 - 2000 Interfaced with president of; consumer banks, commercial banks, call centers, and transaction services on behalf of technology and operations. Led resolution of technology and operations service issues by partnering with senior managers and creating task teams. Resolved a nationwide, interstate deposit problem created by a merger with NationsBank and Bank of America by forming a nationwide task force. Spearheaded nationwide initiative to resolve real estate payment posting errors.

EDUCATION Master of Business Administration, Business Management University of La Verne La Verne, California
Bachelor of Science, Business University of La Verne La Verne, California

PROFESSIONAL CERTIFICATION
Certification in Community Bank Management School for Bank Administration

Resume