RALPH RANGEL
Glendora,CA
Summary
Strategic and results-driven financial professional with over 25 years of expertise in consumer credit, lending, risk management, and operational efficiency within the credit union sector. Adept at developing and executing strategic roadmaps for financial services that can be tailored to entertainment professionals, driving sustainable revenue growth while ensuring compliance with industry regulations. Proven ability to lead cross-functional teams, enhance digital banking experiences, and establish key industry partnerships.
Overview
27
27
years of professional experience
Work History
Adjunct Professor
Los Angeles Pacific University
Glendora, CA
12.2019 - Current
- Provided constructive feedback on student assignments to promote student success.
- Completed recordings via video and audio media of classroom lessons, tests and special instructions for online courses and use by special needs students.
- Encouraged students to participate actively in class through positive reinforcement and engagement techniques.
- Wrote and filed reports detailing course activities and student progress.
Consumer Lending Supervisor
Northrop Grumman Federal Credit Union
Gardena, CA
03.2019 - Current
- Leader for consumer lending overseeing a team of 12 staff and responsible for managing and maintaining the quality of a $880m national consumer loan portfolio - underwriting and auditing to monitor goals and loan growth/delinquency
- Identified and assessed processes/procedural risks, developing and implementing risk mitigation strategies which resulted in 2 percent delinquency
- Effectively transitioned Consumer Lending Team to work from home environment while improving member satisfaction to 95%
- Maintained 72% approval ratio; establishing 85% capture ratio which resulted in a 15% increase in consumer loan growth
- Successfully managed virtual lending team remotely during COVID while keeping pace with annual financial goals
District Manager
Kinecta Federal Credit Union
Manhattan Beach, CA
06.2011 - 09.2018
- Managed the development of production, sales, service, and portfolio quality goals at Customer Service Center through development of comprehensive and measurable sales and service activities
- Mentored the highest number (10) of organizational leaders for three straight years
- Strong leadership skills leading the district to attain highest percentage in growth and efficiency which resulted in 12% revenue growth year over year
- Earned District Manager of the year award three years in a row (2015-17) for financial and customer survey results
- Successfully managed the district lending and credit activities for 12 customer service centers
- Trained for Branch Managers in revenue, contribution margin, sales, and customer service
Marketing/Sales Manager
JB and Sons Automotive
Bloomington, CA
07.2009 - 05.2011
- Responsible for supervising the marketing/sales operations, focusing on developing business relationships and creating customer base
- Successfully introduced the company and its products to the Inland Empire region
- Achieved sales objectives and profit margins increasing sales by over 40%
- Enhanced company’s online platform through website redesign, user-centric functionality upgrades, targeted social media
- Conceived and implemented integrated marketing communication plans that maintained and maximized effectiveness while executing customer relationship management strategy with local and national vendors
Branch Manager
First Financial Credit Union
Redlands, CA
05.2008 - 05.2009
- Responsible for profitability and operations of Credit Union branch including business development, growth of deposits and loan business
- Piloted first indirect partnership with dealerships in Inland Empire resulting in 50% increase in auto loans
- Led a successful team in cross-selling products and services including: Savings, IRA accounts, mortgage loans, checking accounts, auto loans, MBI and gap insurance
- Successfully developed business with participation in CTA and CBEA Organizations leading to an increase of deposits and memberships by 20%
- Won an award of 'Branch of the quarter' for sales fourth quarter in year 2008
Consumer Lending Supervisor
Burbank City Credit Union
Burbank, CA
04.2007 - 11.2007
- Leader for consumer lending overseeing a team of nine staff
- Responsible for managing and maintaining the quality of a $350 million portfolio of loans, underwriting and auditing to monitor goals
- Maintained $150,000 credit authority
- Led decreased delinquency for indirect lending portfolio to under three percent
- Ensured compliance with NCUA rules and regulations, policies and standards leading to passing of stringent NCUA audits
- Successful in marketing credit union brand that led to local automotive dealerships that resulted in a 40% increase in indirect loan application and cooperation in buy-backs of delinquent auto loans
Assistant Vice President, Consumer Lending
LA Financial Credit Union
Pasadena, CA
03.2005 - 03.2007
- Responsible for managing and maintaining the quality of a $400 million portfolio of loans and overseeing underwriting and auditing to monitor goals; maintained $200,000 credit authority and oversaw a team of 14 staff
- Redesigned guidelines and procedures for indirect lending leading which increased successful dealer relationships
- Led processes to increased market share in the Lake Havasu area
- Led decreased delinquency for indirect lending portfolio to fewer than 2%
- Policy maker resulting in process improvement, higher quality of consumer lending activities in compliance with NCUA regulations; thus, increasing loan application efficiency and lower costs
Regional Credit Manager
Wells Fargo Dealer Services
Santa Rosa, CA
03.1998 - 10.2004
- Led three territories using a team of six staff with a monthly volume goal of $25 million and combined portfolio for $230 million (80% prime and 20% non-prime) funding
- Recognized for conversions ranking in the TOP FIVE of Western Region; market leadership ranking in the TOP TWO, capturing 70% of approved applications and funding
- Led and maintained delinquency to under 3% for full spectrum indirect lending portfolio
- Credit instructor for the region that resulted in a 25% increase in revenue and 3% decrease in delinquency and charge-offs
- Led creative strategies which met and exceeded the monthly and quarterly goals of $45 million
- Established and maintained successful business relationships with regional auto dealerships
Education
MBM - Master of Business Management
Azusa Pacific University
Azusa, CABA - Bachelors Business Management and Organizational Leadership
Azusa Pacific University
Azusa, CASkills
- Microsoft Office Suite
- Strategic thinker
- Excellent Communication Skills
- Outstanding Interpersonal Skills
- Strategy Development
- Passionate Coach & Mentor
- Policy & Procedure Design
- Business Development
- CUDL System
- Team Focused
- Change Agent
- Akcelerant System
- ARC 0S
- DNA system
- Superior research & Negotiation Skills
- Quality Focus & Professionalism
- Loan Portfolios & Documentation
- Relationship Management
- Symitar LOS
- Decision and Risk Analysis
- Project Management
- Documentation & Reporting
- Customer Service Management
- Teambuilding & Training
- Coaching and mentoring
- Public speaking
- Relationship building
- Policy and procedure development
- Performance management
- Customer service
- Decision-making
References
Professional References are available on request.
Languages
Bilingual (English/Spanish)
Accomplishments
- District manager of the year three yeas in a row at Kinecta Federal Credit Union
Languages
Spanish
Professional
Timeline
Adjunct Professor
Los Angeles Pacific University
12.2019 - Current
Consumer Lending Supervisor
Northrop Grumman Federal Credit Union
03.2019 - Current
District Manager
Kinecta Federal Credit Union
06.2011 - 09.2018
Marketing/Sales Manager
JB and Sons Automotive
07.2009 - 05.2011
Branch Manager
First Financial Credit Union
05.2008 - 05.2009
Consumer Lending Supervisor
Burbank City Credit Union
04.2007 - 11.2007
Assistant Vice President, Consumer Lending
LA Financial Credit Union
03.2005 - 03.2007
Regional Credit Manager
Wells Fargo Dealer Services
03.1998 - 10.2004
MBM - Master of Business Management
Azusa Pacific University
BA - Bachelors Business Management and Organizational Leadership
Azusa Pacific University
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