Raul Lara
Beaverton,OR
Summary
Results driven lending professional with extensive experience in consumer loan underwriting, indirect lending partnerships, and branch leadership. Proven ability to evaluate, decision, and fund loans while balancing risk and growth objectives. Strong track record of driving loan production through strategic collaboration with dealership partners and internal lending teams.
Dynamic leader with hands on experience partnering with Indirect Lending Managers to strengthen dealer relationships, increase application flow, and improve approval efficiency. Skilled in visiting and supporting dealerships, enhancing partner engagement, and identifying opportunities to grow indirect portfolios. Adept at coaching teams, optimizing processes, and delivering consistent results in competitive markets.
Overview
14
14
years of professional experience
Work History
Member Service & Out-Reach Manager
Wauna Credit Union
01.2021 - Current
- Conducted monthly community outreach initiatives, enhancing engagement and generating new business opportunities.
- Supported an Outreach program at the local schools to teach, educate the importance of financial success while promoting Wauna
- Held monthly seminars for elder community, educating on fraud prevention and elder abuse awareness.
- Managed relationships with local organizations, fostering partnerships that supported community engagement and outreach efforts.
- Trained staff on effective communication techniques for outreach initiatives.
- Enhanced member satisfaction and loyalty through personalized service and proactive assistance.
- Managed and improved daily operations on the branch team, exceeding KPI metrics
- Oversaw all front line operations, including lobby traffic, member relations, sales, and service levels.
- Consistently met and exceeded referrals sales and production targets.
- Focused on achieving monthly sales quotas, driving over $500k in loans through site training and meetings.
- Facilitated at least 3 Auctions annually that Wauna CU Sponsored
- Provided support to leadership on different rates to be competitive
- Collaborated with branch management to facilitate operational audit processes
- Maintained operational efficiency and compliance through rigorous audit processes
- Demonstrated a comprehensive understanding of credit union policies member and lending practices.
- Fostered a collaborative and supportive work environment among branch employees
- Prepared work schedules that included PTO and offsite training.
- Handled all closing procedures behind the teller line, assisting employees with balancing problems and securing the premises.
- Conduct coaching sessions to assess performance, training needs, develop core competencies, prepare annual performance evaluations,
- Consistently Met and exceeded referral sales and production targets. -Manage a team of Branch Managers.
- Implement sales action plan and strategies.
- Implement sales actions plan and strategies.
- Responsible for all closing procedures behind teller line including assisting employees with balancing problems and securing the premises.
- Prepare work schedules including PTO, of-Responsible for all front line’s operations; lobby traffic; member relations; sales and service levels.
- Strongly support the credit union's non-profit values, participating in all volunteer opportunities the credit union held.
- Focused on achieving monthly sales quotas, driving over $500k in loans through site training and meetings.
- Managed relationships with local organizations, fostering partnerships that supported community engagement and outreach efforts.
- Trained staff on effective communication techniques for outreach initiatives.
Member Service Representative
OnPoint
01.2016 - 01.2021
- Providing exceptional member service.
- Surpassed member service expectations by building strong communication and rapport
- Established trust and respect with members through safe, engaging conversations
- Successfully trained over 15 new Member Service Representatives
- Opened consumer and business memberships with Credit Union standards and regulations
- Conducted financial assessments with members and found the best products to fit their needs
- Cross-sold credit union products and services, contributing to achievement of sales goals
- Consistently exceeding monthly sales goals
- Analyzed credit reports and financial statements to determine creditworthiness
- Review and give approvals for exception requests
- Funded and closed all loans while ensuring accurate regulatory compliance
- Originated auto loans, consumer loans, home equities, and business loans.
- Provided notary services for legal documents
- Assisted branch management with operational audit processes.
- Expert in Trusts, Fiduciary, Estates and Non-Profit accounts
Teller/Teller Coordinator
OnPoint
01.2012 - 01.2016
- Direct Supervisor for a minimum of eight teller staff
- Successfully onboarded over 25 teller staff to the Credit Union
- Responsible for conducting monthly coaching sales meetings
- Conducted one-on-one coaching sessions post-transaction audits to enhance staff performance
- Assisted direct staff in exceeding their monthly sales goals to drive new business
- Facilitated teller transactions at branch to ensure efficient service delivery
- Completed all domestic and international wire transfers
- Performed monthly audits of cash drawers and vault to ensure accuracy and compliance
- Managed all branch operation duties, including quarterly tasks.
- Conducted quarterly compliance meetings and training sessions for the entire staff.
- Providing all staff overrides, approvals, and exceptions on accounts and loans
- In charge of the branch cash totals with cash limits, ordering branch cash and balancing the vault
- Promoted bank products and services to enhance customer experience.
Education
High School Diploma -
Aloha High School
01-2009
Skills
- Member engagement
- Community outreach
- Loan origination
- Financial education
- Compliance monitoring
- Customer relationship management
- Member acquisition
- Member relations
- Operational efficiency
- Process improvement
- Managerial oversight
- Staff development
- Service delivery
- Proficient in Meridian Link
- Effective communication
- Policy writing
- Risk assessment
- Financial analysis
- Credit evaluation
- Creditworthiness assessment
Languages
- Spanish
- English
Timeline
Member Service & Out-Reach Manager
Wauna Credit Union
01.2021 - Current
Member Service Representative
OnPoint
01.2016 - 01.2021
Teller/Teller Coordinator
OnPoint
01.2012 - 01.2016
High School Diploma -
Aloha High School