Christopher Ensley
Summary
Experienced lending professional with successful track record managing daily lending and collections operations. Provide strong communication and leadership skills essential for motivating staff to provide superior customer service, proficient product knowledge, and genuine care for member satisfaction. Proficient in report generation and analysis, with the goal of identifying pain points and areas for improvement. Always aiming to exceed expectations.
*References available upon request
Overview
21
21
years of professional experience
Work History
Consumer Lending Manager
Star One Credit Union
Sunnyvale, CA
12.2018 - 02.2024
- Oversaw consumer loan origination, servicing, and collections teams.
- Evaluated historical, current and forecast data to determine opportunities for development and enhancement.
- Managed team of 16 staff, cultivating positive atmosphere and instilling service standards to meet service goals.
- Developed and implemented strategies to increase customer satisfaction and loyalty, including the launch of solar financing program. Within the first year of the program, over $100 million in solar loans were added to the loan portfolio.
- Created monthly reports for senior management summarizing operational performance.
Senior Loan Officer
SRI Federal Credit Union
Menlo Park, CA
08.2018 - 11.2018
- Oversee all loan department activities
- Analyze loan data and develop reports for management team and Board of Supervisors.
- Provide onsite training for all loan and operations staff for consumer loan application processing and auditing, DMV processing, and HELOC applications and audits.
- ALM committee member.
Loan Officer
SRI Federal Credit Union
Menlo Park, CA
03.2015 - 08.2018
- Successfully lead key projects which include development of student loan products resulting in 45% growth in Student Loan balances. Responsible for drafting proposal, presented to the Board of Directors, working with implementation team to establish product terms, and release of new products to membership.
- Manage processing of all mortgage loans in CU portfolio, which has maintained over 20% loan balance growth in 2016 and 2017. Responsibilities included evaluation and decisioning of loans, ensuring compliance to loan policy and regulations, tracking of documents and loan files.
- Analyze member profiles to identify loan and service cross-sell opportunities
- Evaluate applicant's financial status, credit history, and property valuations for consumer and real estate loans
Operations Supervisor
SRI Federal Credit Union
Menlo Park, CA
07.2010 - 03.2015
- Manage flow of cash and financial instruments
- Vault management
- Wire transfer processing
- Monthly operation reporting to management
- Support accounting dept. with daily GL reconciliation, voucher posting, and ACH processing
- Provide onsite training for systems applications, customer service, BSA, and general operations.
Store Manager
Surf City Coffee Company
Scotts Valley, CA
02.2003 - 11.2007
- Responsible for daily operations and management of successful retail location
- Processing daily reconciliation of cash and credit transactions
- Manage merchandising, product placement, vendor relationships
- Provide leadership to staff, upholding high-level customer service leading to high customer retention and sales growth year over year
Education
Bachelor of Science - Business Management
Menlo College
2009
Skills
- Operations management
- ALM Committee Member
- Extensive BSA training
- NMLS registered
- Training and development
- Accounting reconciliation
- Project Management
- Performance Management
Affiliations
Member of the Asset Liability Management committee for Star One and SRI FCU. Committee is responsible for the evaluation and control of all share and loan rates, focussing on growth and fiscal well-being of the credit union.
Timeline
Consumer Lending Manager
Star One Credit Union
12.2018 - 02.2024
Senior Loan Officer
SRI Federal Credit Union
08.2018 - 11.2018
Loan Officer
SRI Federal Credit Union
03.2015 - 08.2018
Operations Supervisor
SRI Federal Credit Union
07.2010 - 03.2015
Store Manager
Surf City Coffee Company
02.2003 - 11.2007
Bachelor of Science - Business Management
Menlo College