Alexander Abreu

• Provide executive leadership across consumer lending, indirect auto lending, underwriting standards, lending policy, portfolio performance, team development, and operational execution
• Lead consumer lending strategy across direct and indirect channels, aligning production goals, credit discipline, member experience, staffing structure, technology, and operational capacity
• Helped improve lending performance after several months of declining growth prior to joining the organization, contributing to a stronger production trend and continued indirect loan growth
• Led consumer lending promotional strategy that drove production above prior benchmarks, outperforming the credit union’s prior best year by 14% and exceeding the prior year by 45%, while maintaining disciplined credit quality
• Lead lending policy and guideline development to support consistent decisioning, responsible growth, clear risk standards, documentation quality, and practical execution across lending teams
• Established formal lender performance standards where limited structure previously existed, including volume expectations, follow-up cadence, documentation standards, and pipeline management requirements
• Built improved lending reporting capabilities with a systems analyst, giving leadership better visibility into application pipelines, dealer look-to-book ratios, dealer-level delinquency, and funding turnaround times
• Maintained stable delinquency and first-payment default performance during lending growth by strengthening feedback loops between consumer lending and collections
• Reduced average indirect funding turnaround from more than one week to approximately 2 to 3 days by working with Origence/CUDL funding leadership to establish clearer standards, workflows, and accountability on both sides
• Built a more targeted indirect dealer growth strategy by implementing AutoCount market analysis, identifying high-value dealer opportunities, and conducting field dealer calls to validate fit, opportunity, and growth potential
• Serve as a key lending subject matter expert for Scienaptic AI implementation, partnering with executive leadership and the vendor team on selection, model training, lending logic refinement, implementation planning, testing, monitoring, and ongoing optimization of AI-supported credit decisioning
• Established and lead a cross-functional Manager Forum that brings department leaders together to improve organizational communication, resolve operational friction, strengthen shared understanding, and support more consistent execution across teams

• Directed lending operations across Arizona, including underwriting, indirect dealer relationships, dealer marketing, funding, collections, customer support, staff development, and market-level portfolio management
• Led Arizona lending portfolio growth, helping double the portfolio through disciplined underwriting, improved response times, operational execution, and strong dealer relationship development
• Established and expanded dealer relationships across Arizona through field visits and outside marketing, including converting the state’s largest independent dealership into the Arizona market’s highest-volume dealer partner and one of the company’s top five dealers overall
• Served as a consistent leadership presence through three manager transitions, maintaining performance growth, team development, dealer engagement, and portfolio stability
• Created and analyzed market-level reports on dealer performance, look-to-book ratios, approval trends, delinquency, charge-off activity, and production results to guide strategy and support monthly KPI reviews with senior leadership
• Acted as a regional lending platform expert and internal trainer for CUDL, DealerTrack, RouteOne, and DealerCenter, helping dealership partners and internal teams improve platform utilization
• Implemented operational improvements including spot loan decisioning, solicitation audits, and funding process enhancements to improve loan close rates, decision turnaround time, and dealer satisfaction
• Maintained charge-off performance below internal expectations during portfolio growth through disciplined underwriting, account monitoring, and active collections oversight
• Oversaw market-level funding and collections operations, including contract review, stipulation clearance, late-stage delinquency management, skip tracing, recovery coordination, and payment arrangement strategy
• Recruited, trained, coached, and promoted high-performing staff with a focus on developing future Credit Managers and Assistant Managers through structured training and internal advancement pathways

Internal Career Progression: Promoted four times through five internal roles at Reliable Credit Association, beginning as a Financial Service Representative and progressing to Loan Officer, Credit Officer, Credit Manager, and Assistant Manager. Each role strengthened lending leadership experience across underwriting, direct lending, indirect dealer relationships, collections, staff development, and market-level performance management.

• Magna Cum Laude

• Beta Gamma Sigma Honor Society - President

• Omicron Delta Kappa Honor Society - President

• Phi Kappa Phi Honor Society - Member

• Magna Cum Laude

• Top 10 in Class Award

• Sigma Alpha Sigma Mu - Chair of Marketing Committee