Megan Curtis
Ovid,MI
Summary
Accomplished Vice President of Credit Risk at MSU Federal Credit Union, adept in strategic planning and team leadership. Spearheaded process improvements and credit risk operations, enhancing business efficiency and member retention. Demonstrated expertise in metrics tracking and critical thinking, achieving significant operational enhancements.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Vice President of Credit Risk
MSU Federal Credit Union
11.2021 - Current
- Oversee the Member Solutions, Recovery, and Credit Risk Operations teams.
- Demonstrate proficient leadership skills to motivate employees and build competent teams.
- Identify opportunities to improve business processes, efficiency, and productivity.
- Collaborate with Executive Leadership to develop strategic initiatives and goals.
- Monitor credit stress and loss trends within loan and deposit portfolios to inform underwriting and risk management procedures.
- Increase member retention through meaningful member interactions and collaboration with frontline member service and lending teams.
- Mitigate litigation and regulatory risks by overseeing adherence to applicable State and Federal law and regulation.
- Negotiate contracts with vendors, securing favorable terms and conditions for the Credit Union's benefit.
- Represents the Credit Union at industry conferences and events.
- Devised and presented Credit Risk's business activity and member engagement to board of directors.
AVP of Credit Risk and Compliance
MSU Federal Credit Union
01.2020 - 11.2021
- Oversaw the Member Solutions, Recovery, Loss Prevention, Compliance and Quality Control teams.
- Improved and implemented a successful collection strategy to ensure timely and increased recoveries.
- Maintained compliance with industry regulations by implementing risk mitigation measures and maintaining accurate documentation.
- Streamlined communication between departments, facilitating better collaboration on initiatives across the organization.
- Developed teams to ensure continuity of care for our members and adequate attention to our loan and deposit portfolios.
- Analyzed data to identify areas of improvement, implementing changes that resulted in greater operational efficiency.
- Established policies and procedures that improved operational efficiency within the organization.
- Established and directed successful programs focused on credit reporting data integrity and dispute processing.
- Managed projects efficiently, ensuring timely delivery and quality results.
Compliance Manager
MSU Federal Credit Union
07.2019 - 01.2020
- Managed the Compliance and Quality Control teams.
- Reduced risk exposure for the Credit Union by identifying and addressing areas of noncompliance.
- Reviewed documents, files, business practices, and other records to assess compliance, litigation, and reputation risk.
- Collaborated with business teams to establish clear compliance guidelines and expectations for all departments.
- Monitored emerging trends in regulatory requirements, anticipating potential impacts on the Credit Union's operations.
- Supported the implementation of new regulations within the Credit Union by developing strategic plans and action items for each department.
Compliance Specialist
MSU Federal Credit Union
01.2017 - 07.2019
- Served as subject matter expert and advised staff and teams on compliant practices based on State and Federal laws and regulations.
- Performed research and project planning to support the Credit Union's adherence to and compliance with industry regulatory requirements.
- Assisted with training sessions to educate management and staff on compliance and regulatory requirements through the Learning Center.
- Maintained current knowledge of loan and deposit products and applicable requirements, processes, procedures, internal policies and regulations.
- Processed direct and indirect member credit disputes.
Loan Adjuster
MSU Federal Credit Union
02.2015 - 01.2017
- Assisted members with improving financial health by counseling on issues such as excessive spending, hardship, and borrowing.
- Focused on maximizing recoveries through meaningful member interaction and crafting reasonable payment arrangements.
- Proactively identified solutions for members experiencing repayment issues.
- Collaborated with and provided feedback to management and senior management of the department to drive change management and create efficiencies.
- Processed loan extension applications.
- Processed direct and indirect member credit disputes.
Front Office Assistant
Capital Urological Associates
08.2014 - 01.2015
- Answered and managed incoming and outgoing calls while recording accurate messages for distribution to providers and office management.
- Maintained a professional and welcoming environment for patients, contributing to an overall positive experience.
- Collaborated with team members to improve overall front office performance through consistent feedback and process improvement suggestions.
- Coordinated visits and meetings with suppliers.
- Answered patient questions and scheduled appointments and procedures.
- Handled financial transactions accurately by processing payments, issuing receipts, and maintaining detailed records of all transactions.
Assistant Director
Bright Beginnings Learning Center
05.2010 - 08.2014
- Partnered with educators to instruct and care for preschool and school-aged students with developmental and physical disabilities.
- Led team of educators and caregivers in daily operations.
- Oversaw purchasing and organization of facility food, hygiene, teaching supplies, and cleaning inventory.
- Established performance goals for employees and provided feedback on methods for reaching those milestones.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Recruited, interviewed and hired employees
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Collected, balanced, and reconciled student tuition, company cash flow, and budgeted expenses.
Education
Bachelor of Arts - Developmental Psychology
University of Michigan - Ann Arbor
Ann Arbor, MI08.2013
High School Diploma -
Laingsburg High School
Laingsburg05.2009
Skills
- Team Leadership
- Process Improvement
- Metrics Tracking
- Decision-Making
- Critical Thinking
- Coaching and Mentoring
- Strategic Planning
Certification
FCRA Certification
Additional Information
Volunteerism
Board Chair, Small Talk Children's Advocacy Center
Timeline
Vice President of Credit Risk
MSU Federal Credit Union
11.2021 - Current
AVP of Credit Risk and Compliance
MSU Federal Credit Union
01.2020 - 11.2021
Compliance Manager
MSU Federal Credit Union
07.2019 - 01.2020
Compliance Specialist
MSU Federal Credit Union
01.2017 - 07.2019
Loan Adjuster
MSU Federal Credit Union
02.2015 - 01.2017
Front Office Assistant
Capital Urological Associates
08.2014 - 01.2015
Assistant Director
Bright Beginnings Learning Center
05.2010 - 08.2014
Bachelor of Arts - Developmental Psychology
University of Michigan - Ann Arbor
High School Diploma -
Laingsburg High School
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