John G. Warner III
Portland,OR
Summary
Accomplished financial executive with a proven track record at Embold Credit Union, adept in credit analysis and strategic financial planning. Spearheaded a $1.5M ITIN lending program and enhanced indirect lending, showcasing exceptional leadership and negotiation skills. Expert in driving profitability and compliance, with a focus on innovative solutions and stakeholder engagement. Knowledgeable professional with several years of experience bringing planning and problem-solving abilities. Focused on maximizing resource utilization to support scalable operations and increase bottom-line profitability. Organized and systematic with natural relationship-building and leadership talents. Seasoned professional in general and operations management with comprehensive experience leading teams, optimizing processes, and implementing cost-effective strategies. Skilled in strategic planning, staff development, and operational efficiency, consistently improving workflow and reducing costs. Proven track record of enhancing overall business performance through effective leadership and innovative problem-solving.
Overview
18
18
years of professional experience
1
1
Certification
Work History
Director of Consumer and Indirect Lending
Embold Credit Union
Oak Grove, OR
04.2017 - Current
- Company Overview: The largest federally not-for-profit depository institution in Oregon
- Lead operational strategy for a $200M+ consumer loan portfolio and a $46M credit card program with $14M+ in annual spend, generating $1M+ in annual net earnings
- Drive profitability through lifecycle management, compliance oversight, and data-driven risk assessments using MeridianLink Reveal Pro
- Oversee underwriting, compliance, credit disputes, and payment services, ensuring efficiency, accuracy, and adherence to federal regulations
- Build strategic partnerships with dealerships, supporting $6M in monthly indirect lending through targeted promotions and relationship management
- Direct cross-functional collaboration with Marketing, Digital, Compliance, IT, and branch operations to streamline processes and enhance member experience
- Spearheaded the ITIN lending program, funding $1.5M in loans with minimal charge-offs
- Increased indirect lending volume through performance-based campaigns, driving portfolio growth and profitability
- Automated workflows to reduce loan decision turnaround times, improving underwriting accuracy and operational efficiency
- The largest federally not-for-profit depository institution in Oregon
Director of Consumer Lending
Embold Credit Union
Oak Grove, OR
01.2021 - 01.2024
- Company Overview: The largest federally not-for-profit depository institution in Oregon
- Responsible for multiple business units (Product, Innovation, Strategy, Credit Risk, Analytics, and Revenue), as lending executive, leading the Consumer Lending Division in the largest federally insured financial co-ops in the state of Oregon
- Oversight includes a multi-million lending portfolio (Personal Loans, Auto Loans), credit cards ($14 million in annual spend, and $1M+ in YEB), and a next generation digital banking sub-brand
- Accountable for the creation, deployment, and management of strategies that drove growth and created sustainable longitudinal revenue for a portfolio running to $46M annually owning 8% of the balance sheet
- Own acquisition strategy and execution for a $200M+ direct and indirect consumer loan portfolio across Personal Loans, Auto, and SLR
- Own acquisition strategy and execution for a $46M rolling CC Portfolio that generates $1M+ in annual spend
- Own campaign strategy and execution for both the credit card portfolio and the consumer loan portfolio
- Own lifecycle strategy and execution for both the credit card portfolio and the consumer loan portfolio
- Active non-voting member of the ALCO (Asset-Liability Committee)
- Spearheaded ITIN program and re-brand from Clackamas Federal Credit Union to Embold Credit Union
- Responsible for cross departmental and third-party relationships with Marketing, Digital, Compliance, Meridianlink, Symitar (Jack Henry), and Equifax
- The largest federally not-for-profit depository institution in Oregon
- Keynote Speaker – CUNA Lending Council (2023 – 2024)
Consumer Lending Manager
Embold Credit Union
Oak Grove, OR
01.2017 - 01.2021
- Company Overview: The largest federally not-for-profit depository institution in Oregon
- Managed the Consumer Lending Division, overseeing personal loans, auto loans, and credit cards, with a focus on compliance and member satisfaction
- Directed underwriting, credit risk assessment, and compliance processes to ensure operational efficiency and regulatory compliance
- Collaborated with Marketing, IT, and Compliance teams to optimize lending processes and enhance the member experience
- The largest federally not-for-profit depository institution in Oregon
Regional Branch Manager
The Equitable Finance Company: A FINCO HOLDING CORP. COMPANY
Salem, OR
10.2016 - 04.2017
- Directed operations of two major branches, significantly contributing to the management of a $20M portfolio within a network of twenty-two nationwide branches
- Led a dynamic team of twenty financial representatives, overseeing daily operations, including collections, marketing, and underwriting
- Spearheaded market and underwriting initiatives for direct and indirect consumer loans in the Oregon market, reinforcing the company's competitive stance
Senior Credit Manager, AVP
BB&T Corporation/Regional Acceptance Corporation
Beaverton, OR
05.2014 - 06.2016
- Managed and mentored a team of five underwriters and loan administrators, successfully growing the branch's portfolio to $11M from inception
- Developed statistical models to inform loan decision-making processes, contributing to competitive pricing and financial tool enhancement in the Oregon market
- Ensured compliance with FDIC and CFPB regulations through effective collaboration with Corporate Administration during audits
Credit Manager
BB&T Corporation/Regional Acceptance Corporation
Beaverton, OR
01.2014 - 01.2015
- Oversaw a team of three underwriters, achieving over 100% market share growth for BB&T and Regional Acceptance Corporation
- Marketed and underwrote indirect consumer loans to over two hundred dealerships, expanding the company's presence across Washington and Oregon
- Implemented statistical forecasting and microeconomic analysis to mitigate risks and optimize business strategies
Commercial Dealer Manager
Ford Motor Credit
Tampa, FL
04.2012 - 04.2014
- Conducted comprehensive dealership financial analysis and risk assessment, developing financial strategies to mitigate risk and enhance dealership performance
- Collaborated closely with dealers and sales teams to facilitate timely loan approvals, credit package writing, and credit line adjustments
- Played a key role in improving dealership satisfaction and compliance with banking regulations through strategic financial planning and analysis
Dealer Financial Analyst
Ford Motor Credit
Tampa, FL
04.2010 - 04.2012
- Managed consumer loan and lease underwriting for over four hundred Ford dealerships, ensuring compliance with all banking laws
- Led the credit investigation process, defining contract terms, credit limits, and interest rates for an average of 40+ applications daily
- Strengthened dealership alliances, significantly improving Support Satisfaction Index (SSI) and Customer Satisfaction Index (CSI) ratings
Commercial Account Manager
Ford Motor Credit
Tampa, FL
04.2008 - 04.2010
- Developed effective payment plans for customers with delinquent accounts, managing a team of twelve to enhance customer service and resolve collections efficiently
- Achieved notable success in loss reduction and customer service improvement for 30+ large commercial clients
Ford Credit Leadership Development Program
Ford Motor Credit
Tampa, FL
01.2007 - 01.2008
- Selected for the prestigious Ford Motor Credit Company Leadership Development Program, demonstrating early leadership potential and financial acumen
- Earned Ford Motor Company Six Sigma Green Belt certification (June 2010)
- Led a Six Sigma Green Belt project that realized $4M in savings through the implementation of combined billing, electronic funds transfer, and internet options to reduce losses and delinquencies
Education
Master of Business Administration - Business Economics
UNIVERSITY OF ARIZONA
Arizona01.2014
Bachelor of Arts - Economics
UNIVERSITY OF SOUTH FLORIDA
Tampa, FL01.2006
Skills
- Credit Analysis
- Financial reporting
- Corporate communications
- Hiring and retention
- Decision-making
- Talent acquisition
- Negotiation
- Charismatic leader
- Performance management
- Relationship building
- Contract and vendor management
- Problem-solving
- Human resources management
- Rules and regulations
- Resource allocation
- Media relations
- Team management
- Logistics management
- Vendor relationship management
- Legal and regulatory compliance
- Project management
- Conflict resolution
- Stakeholder engagement
- Strategic planning
- Contract management
- Time management
- Creativity and innovation
- Financial analysis
- Verbal and written communication
- Crisis management
- Team collaboration
- Innovation management
- Business strategy
- Staff management
- Organizational development
- Information technology management
- Corporate social responsibility
- Financial management
- Business development
- Change management
- Risk management
- Industry knowledge
- Fundraising events
- Cross-functional team leadership
- Project coordination
- Employee development
- Analytical thinking
- Market analysis
- Process improvement
- Coaching and mentoring
- Strategies and goals
- Leadership development
- Visionary leadership
- Contract negotiation
- Regulatory compliance
- Budget management
- Financial Risk
- Six Sigma
- Forecasting
- Innovation
- Pricing
- Strategic Financial Planning
- Leadership
- Business Networking
- Risk Mitigation
- Credit Investigation
- Consumer & Commercial Lending
- Financial Statement Analysis
- New Business Development
- Indirect Lending Executive
- Project Management
Affiliations
- JoyRX PNW Leadership Council, 2024
- Lending Council – Conference Committee, 2022-2024
- President of USF Portland Alumni Chapter, 2022
Certification
- Ford Motor Company Six Sigma Green Belt Certification, 2010
- CUDE (Credit Union Development Educator), 2019
- CCUFC (Certified Credit Union Financial Counselor), 2020
- Project Management Professional (PMP), 2016
Languages
English
Native/ Bilingual
References
References available upon request.
Timeline
Director of Consumer Lending
Embold Credit Union
01.2021 - 01.2024
Director of Consumer and Indirect Lending
Embold Credit Union
04.2017 - Current
Consumer Lending Manager
Embold Credit Union
01.2017 - 01.2021
Regional Branch Manager
The Equitable Finance Company: A FINCO HOLDING CORP. COMPANY
10.2016 - 04.2017
Senior Credit Manager, AVP
BB&T Corporation/Regional Acceptance Corporation
05.2014 - 06.2016
Credit Manager
BB&T Corporation/Regional Acceptance Corporation
01.2014 - 01.2015
Commercial Dealer Manager
Ford Motor Credit
04.2012 - 04.2014
Dealer Financial Analyst
Ford Motor Credit
04.2010 - 04.2012
Commercial Account Manager
Ford Motor Credit
04.2008 - 04.2010
Ford Credit Leadership Development Program
Ford Motor Credit
01.2007 - 01.2008
Master of Business Administration - Business Economics
UNIVERSITY OF ARIZONA
Bachelor of Arts - Economics
UNIVERSITY OF SOUTH FLORIDA
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