Kristin Williams
Nederland,TX
Summary
Integrated extensive knowledge in lending operations, card portfolio management, compliance, and member service to empower teams in achieving outstanding results.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Credit Card Program Specialist
Neches Federal Credit Union
01.2020 - Current
- Administers and manages the full credit card portfolio, ensuring operational accuracy, compliance, and profitability.
- Partnered with an industry leader in card processing and internal teams to execute a successful 2024 credit card conversion and brand change, improving member experience and efficiency.
- Oversees fraud detection, recovery, chargebacks, and credit bureau accuracy to safeguard member and institutional integrity.
- Develops and updates policies, procedures, and disclosures to align with regulatory requirements and credit union strategy.
- Monitors rate changes, risk tiers, and program profitability to support data-driven decision-making.
- Provides advanced technical support and training for staff on credit card systems, compliance, and dispute resolution.
Lending Technical/Credit Analyst
Neches Federal Credit Union
01.2022 - 01.2025
- Analyzed credit reports and underwriting data to support loan decisions and risk assessment.
- Collaborated with IT and Collections to resolve technical issues, delinquencies, and credit bureau disputes.
- Enhanced reporting and compliance documentation to support lending performance metrics.
Assistant Branch Manager
Neches Federal Credit Union
01.2020 - 01.2022
- Supervised daily branch operations, including staff coaching, loan processing, and member service delivery.
- Led by example in promoting products and services aligned with member needs.
- Supported internal audits and compliance adherence across branch functions.
Senior Consumer Loan Officer
Neches Federal Credit Union
01.2020 - 01.2022
Consumer Loan Offer
Neches Federal Credit Union
01.2016 - 01.2020
Consumer Loan Processor
Neches Federal Credit Union
01.2014 - 01.2015
Member Service Representative
Neches Federal Credit Union
01.2012 - 01.2014
Teller
Neches Federal Credit Union
01.2012 - 01.2012
Education
Education
Lamar University
Beaumont, TXSkills
- Directed strategic initiatives for credit card program management to optimize user experience and retention
- Developed and executed comprehensive risk and fraud mitigation plans to enhance operational integrity
- Implemented strategic plans to achieve portfolio growth and maximize investment returns
- Led initiatives to elevate member satisfaction through strategic engagement programs Oversaw team efforts to identify and address member needs, fostering a culture of continuous improvement Developed and implemented strategies to enhance member loyalty and retention
Certification
- Lean Six Sigma Yellow Belt Training Certificate | 2025
- Certified Credit Union Financial Counselor | 2023
Training
Additional professional training in Credit Card Operations, Lending Compliance, and Leadership Development (Neches FCU).
Timeline
Lending Technical/Credit Analyst
Neches Federal Credit Union
01.2022 - 01.2025
Credit Card Program Specialist
Neches Federal Credit Union
01.2020 - Current
Assistant Branch Manager
Neches Federal Credit Union
01.2020 - 01.2022
Senior Consumer Loan Officer
Neches Federal Credit Union
01.2020 - 01.2022
Consumer Loan Offer
Neches Federal Credit Union
01.2016 - 01.2020
Consumer Loan Processor
Neches Federal Credit Union
01.2014 - 01.2015
Member Service Representative
Neches Federal Credit Union
01.2012 - 01.2014
Teller
Neches Federal Credit Union
01.2012 - 01.2012
Education
Lamar University