Patrick Ignacio, MA, CCUE
Dublin,CA
Summary
Performance-driven executive consistently one of the company’s best and awarded; 26 years in residential lending experience. Proven leadership and team-building skills, coupled with teams in managing membet relationships and providing financial services. Multiple Project Sponsor and Owner – Business Optimization and Loan Originations Systems.
Methodical director with several years of comprehensive experience overseeing daily operations of company or organization. Hardworking and versatile professional well-versed in executing business strategies, preparing and implementing business plans and overseeing financial performance. Thorough knowledge of market changes and trends paired with strong grasp of corporate finance and performance measures.
Strategic Director known for high productivity and efficient task completion. Specialize in operational strategy, team leadership, and financial oversight. Excel in communication, problem-solving, and adaptability, ensuring effective team collaboration and project success.
Overview
30
30
years of professional experience
Work History
Director Mortgage Lending
State Department Federal Credit Union
Alexandria, Virginia
10.2024 - Current
- Led strategic planning initiatives to enhance member services and engagement.
- Implemented Encompass LOS June 2025 including completely new technology stack
- Onboarded FHLB-Atlanta down payment assistance and first responders programs
- Reengaged and reapproved FHLMC secondary services
- Improved annual production in less than 13 months. 53m retail 2024 production to 97m by Dec 2025
- Redesigned mortgage experience and process
- Oversaw compliance with federal regulations and credit union policies.
- Managed cross-functional teams to implement operational improvements and best practices.
- Coordinated outreach efforts to promote financial literacy among members.
- Analyzed market trends to inform product development and service offerings.
- Fostered relationships with community partners to expand membership base.
- Streamlined communication processes between departments for improved efficiency.
- Recruited, trained, supervised, evaluated and mentored staff members.
- Directed the organization's daily operations, ensuring compliance with applicable laws and regulations.
- Developed policies and procedures to ensure compliance with corporate standards.
- Established relationships with vendors and suppliers to secure favorable terms for materials or services.
- Collaborated with senior leadership to set long-term objectives for the company.
- Created detailed plans outlining timelines, goals, budgets, staffing needs and other requirements for projects.
- Developed and implemented comprehensive strategies to improve operational processes and organizational efficiency.
- Negotiated agreements with external partners such as contractors or consultants.
- Served as a public spokesperson at industry events or conferences.
- Partnered with staff to create professional development plans to support personal and business growth.
- Reviewed internal reports and identified areas of risk or potential cost savings.
National Mortgage Sales Manager
Chevron Federal Credit Union
Oakland, CA
04.2018 - 10.2024
- Oversees and managed Residential Originations, which included 24 sales and support of Real Estate Department plus 6 additional Branch Liasons.
- Project owner for conversion of LOS from Mortgage Cadence to Blue Sage Solutions May 2024
- Produced home buyer education library with recurring virtual and in person seminars
- Managed specialized Relocation program for Chevron approved transfers - 30% of annual production
- Implemented COVID-19 staff redeployment to support mortgage sales staff in 2020, to avoid branch furlough and layoffs.
- Co-Owner and SME of multiple business enhancement projects which include: mortgage payoff retention, business analytics of portfolio, Optimal Blue integration, Blend Labs bolt-on to LOS, Continuous Improvement Initiatives, Corporate Relocation program with major Business Sponsor.
- Partnered with department leads within mortgage to modernize and update policy and procedures to improve overall cycle times and Member Service levels.
- Developed training programs for new mortgage consultants to enhance product knowledge.
- Managed mortgage sales team to ensure compliance with lending regulations.
- Analyzed market trends to adjust sales strategies for mortgage products.
- Conducted performance reviews to support staff development and improve sales techniques.
- Implemented marketing strategies to promote mortgage offerings within the community.
- Coordinated with external vendors to optimize technology tools for loan management systems.
- Monitored competitor activities and identified opportunities for improving services offered by the company.
Community Lending Manager / Northern California
USE CREDIT UNION
Berkeley, CA
06.2010 - 04.2018
- Manager of overall sales and operations of team.
- Responsible for providing member service policy and training to ensure 95%+ 'I would recommend score'.
- Coordinated overall day-to-day activities and tasks to attain optimal service and closing efficiency.
- Facilitated escalated issues between sales front and operations to find a mutual agreement and solution to client’s needs.
- Excelled in Training brokers/realtors in procedures and program highlights.
- Monthly sponsor and host for Home Buyer Seminars to new clients and real estate contacts.
- Carried out supervisory tasks such as annual reviews, coaching, training, and compliance with Fair Lending Regulations (Team of 5).
- Analyzed highly complex financial portfolios which includes corporate tax analysis and extensive personal tax filing analysis to determine cash flow.
- Communicate and align with executive level management to attain business channel goals and revenue.
- Audited and submitted monthly crystal reports for accurate analysis of revenue and cost basis.
- Conduct needs analysis and design appropriate training solutions.
- Ensure objectives are appropriate and that training materials meet objectives.
- Create assessments to validate/certify learning objectives are met.
- Evaluate existing training materials and recommend changes as needed to keep training current and relevant.
- In-depth Exposure to training in a business/commercial environment.
- Ability to read, analyze, interpret and summarize information such as regulatory instructions, policy manuals, task documentation, and procedure manuals.
- Facilitate communication and develop NEW vendor relationships to continue performance enhancements to service and time.
- Created and trained communication policies with title companies, insurance carriers, Real Estate Agents, Escrow Officers and coordinators to create cohesive and seamless workflow.
- Excellent organizational and time management skills. Ability to multitask and manage numerous projects simultaneously.
- Self-Starter with good organizational and researching abilities.
BROKER / 50% owner
Nationwide Residential Lending
Pleasanton, CA
09.2008 - 06.2010
- Managed Daily operations and staff of 6 including 4 loan officers.
- In-depth Exposure to training in a business/commercial environment.
- Ability to read, analyze, interpret and summarize information such as regulatory instructions, policy manuals, task documentation, and procedure manuals.
- Facilitate communication and develop NEW vendor relationships to continue performance enhancements to service and time.
- Created and trained communication policies with title companies, insurance carriers, Real Estate Agents, Escrow Officers and coordinators to create cohesive and seamless workflow.
- Excellent organizational and time management skills. Ability to multitask and manage numerous projects simultaneously.
- Self-Starter with good organizational and researching abilities.
- Developed strong client relationships to facilitate mortgage loan processes.
SR. MORTGAGE CONSULTANT
Wachovia
Tracy, CA
04.2006 - 09.2008
- Earned record 18 closed units in a single month; most overall in new submissions and new broker production by attaining 160% of funded goals.
- Achieved 215% company set goals within 3 months of start date, exceeded average conversion rate by over 11% and ranked in top 5 of 75 sales teams at Eloan.
- Exceeded new client and application by over 140% of average representative. Hard work and efficiency were key components to production.
ACCOUNT EXECUTIVE
Fremont Investment & Loan
Concord, CA
01.2006 - 04.2006
- Generated wholesale loans for regional and national self-developed territories, through Business to Business hunting and cold calling.
- Identified Niche markets to increase overall volume and production.
- Fostered positive relationships with businesses and clients with presentations and on-going training.
- Carried out supervisory tasks such as annual reviews, coaching, training, and compliance with Fair Lending Regulations (Processing Team of 10).
- Analyzed highly complex financial portfolios which includes corporate tax analysis and extensive personal tax filing analysis to determine cash flow.
- Communicate and align with executive level management to attain business channel goals and revenue.
- Audited and submitted monthly crystal reports for accurate analysis of revenue and cost basis.
- Conduct needs analysis and design appropriate training solutions.
- Ensure objectives are appropriate and that training materials meet objectives.
- Create assessments to validate/certify learning objectives are met.
- Evaluate existing training materials and recommend changes as needed to keep training current and relevant.
ALTERNATIVE LENDING CONSULTANT
Eloan
Pleasanton, CA
01.2000 - 01.2006
- Noted for delivering formal and informal presentations/ training seminars on various topics.
- Acknowledged by all co-workers as knowledgeable and go-to contact for support / training.
- Carried out supervisory tasks such as annual reviews, coaching, training, and compliance with Fair Lending Regulations.
- Analyzed highly complex financial portfolios which includes corporate tax analysis and extensive personal tax filing analysis to determine cash flow.
- Communicate and align with executive level management to attain business channel goals and revenue.
- Audited and submitted monthly crystal reports for accurate analysis of revenue and cost basis.
- Conduct needs analysis and design appropriate training solutions.
- Ensure objectives are appropriate and that training materials meet objectives.
- Create assessments to validate/certify learning objectives are met.
- Evaluate existing training materials and recommend changes as needed to keep training current and relevant.
- In-depth Exposure to training in a business/commercial environment.
- Ability to read, analyze, interpret and summarize information such as regulatory instructions, policy manuals, task documentation, and procedure manuals.
- Facilitate communication and develop NEW vendor relationships to continue performance enhancements to service and time.
- Created and trained communication policies with title companies, insurance carriers, Real Estate Agents, Escrow Officers and coordinators to create cohesive and seamless workflow.
- Excellent organizational and time management skills. Ability to multitask and manage numerous projects simultaneously.
- Self-Starter with good organizational and researching abilities.
BRANCH MANAGER
American Electronics Assoc. Credit Union
San Jose, CA
01.1996 - 01.2000
- Collaborated with Regional management and executives to maintain and manage San Jose Regional branch.
- Operations manager of daily banking and teller functions (Team of 18).
- Trained and managed financial service products through credit union and 3rd party vendors.
- Conducted offsite business development seminars to increase new membership and cross-sell services.
- Audited branch general ledgers and loan programs within company guidelines.
- Attained 182% of quarterly sales objectives for branch for 3 straight quarters.
- Ranked #1 branch in new sales and membership for multiple quarters.
- Awarded numerous personal awards and service commendations.
- Increased sales team productivity by 150% with on-going training and 1 on 1 mentoring.
- Excellent organizational and time management skills. Ability to multitask and manage numerous projects simultaneously.
- Ability to work under pressure and deliver projects under tight deadlines.
- Now Keypoint CU
Education
MA. -
Masters of Arts Education
San Diego, CABA. - Social Science w/ Education emphasis / Cum Laude
Bachelor of Arts
Ashford University, IASkills
- America’s Credit Unions -certified credit union executive graduate 2024
- Operational management
- LOS/POS analysis and conversion
- Team leadership
- Project coordination
- Problem solving
- Effective communication
- Staff development
- Client relations
- Operations management
- Corporate social responsibility
Accomplishments
- Completed 4th LOS conversion June 2025
- Excellence in Leadership, 04/2020 Chevron Federal Credit Union
- Outstanding Service Award, 2017, Bay East Association of Realtors
- Employee of the Month, 11/98
- Manager/Supervisor of the 2nd Quarter, 04/00
- Conversion Leadership Award, 2002
- Top Performer, 2002 & 2004
- Top Sales Producer, 2010-2014
- Customer Service Award, 2003 & 2006
- Record Holder for Most Units Closed in Single Month, 2006
References
Available upon request
Training
- Professional Sales Skills
- Structured Sales Call
- Leadership & Team Building
- Tone Management
- MGIC tax return analysis
- 7 Habits (Franklin Covey)
Professional Licenses
- CA Dept. of Real Estate, #01850482, expired
- NMLS, #283940
- Certified Mortgage Coach, 06/10
- Loan Originator Licenses, expired, State of Utah, State of Illinois, State of Wisconsin, State of North Carolina, State of Maryland
- Santa Clara County Notary Public, expired
Honors And Awards
- Dean’s List, Spring 11
- Dean’s List, Spring 09
- Dean’s List, Spring 10
- Member of Golden Key International Honour Society, 2010
- Volunteer for Habitat for Humanity East Bay, 01/11
- Volunteer for Operation Hope-Oakland, 05/05
- Volunteer School Site Council – Co-Chair, 2014-2016
- Vice-Chair – Alameda Inforum Marketing Meeting / Bay East Association of Realtors, 2017
- Chair – Alameda Inforum Marketing Meeting / Bay East Association of Realtors, 2018
- Trustee – Bay East Association of Realtors / Foundation, 2019
Timeline
Director Mortgage Lending
State Department Federal Credit Union
10.2024 - Current
National Mortgage Sales Manager
Chevron Federal Credit Union
04.2018 - 10.2024
Community Lending Manager / Northern California
USE CREDIT UNION
06.2010 - 04.2018
BROKER / 50% owner
Nationwide Residential Lending
09.2008 - 06.2010
SR. MORTGAGE CONSULTANT
Wachovia
04.2006 - 09.2008
ACCOUNT EXECUTIVE
Fremont Investment & Loan
01.2006 - 04.2006
ALTERNATIVE LENDING CONSULTANT
Eloan
01.2000 - 01.2006
BRANCH MANAGER
American Electronics Assoc. Credit Union
01.1996 - 01.2000
MA. -
Masters of Arts Education
BA. - Social Science w/ Education emphasis / Cum Laude
Bachelor of Arts