ROBERT ROUSH
Woodstock,Illinois
Summary
Results-driven leader in risk management and strategic planning, enhancing sales performance and customer engagement. Proven Vice President with extensive experience in financial management and team leadership. Expertise in operational improvements that increase productivity and profitability. Recognized for innovative problem-solving and effective communication skills.
Overview
16
16
years of professional experience
1
1
Certification
Work History
VP Indirect Lending Channel Manager
First American Bank
Bloomingdale, IL
06.2021 - 02.2026
- Led quarterly sales and service visits to auto dealerships.
- Cultivated key dealer and financial institution relationships to expand the Indirect Lending portfolio from $31 million to $505 million, as of January 2026.
- Streamlined indirect lending underwriting and loan review processes utilizing auto-decision and simplified guidelines for enhanced accuracy and efficiency.
- Managed department compliance by participating in annual quality control reviews, internal and external fair lending audits, and implementing solid, efficient day-to-day monitoring procedures for the Indirect Lending Channel.
- Attended the semi-annual Auto Finance Summit to analyze market, consumer, and regulatory trends to enhance portfolio growth and profitability.
- Reported monthly performance and profitability analysis to Executive Leadership, and advised of program and credit policy changes based on portfolio analysis.
- Identified and referred customer cross-sell opportunities to other internal lines of business including mortgage, wealth management, and small business.
AVP Collections Manager
First American Bank
Bloomingdale, IL
05.2018 - 06.2021
- Analyzed national delinquency trends, and reviewed current credit standards with Executive Leadership.
- Facilitated training sessions for staff on process improvement, collections objectives, and charge-off file review.
- Coordinated Collections Department, watchlist, and restructure file consolidation of SouthPort Bank and Continental Bank mergers.
- Focused on charged-off loan recovery: $5.8 million dollars recovered in 4 years of collections.
- Managed the underwriting and presentation of delinquent, matured loan restructures to the Retail Loan Committee.
- Managed the Retail Collections Department during the turbulent Covid-19 pandemic, offering forbearance, restructure, and repayment plan solutions to affected customers.
- Created and implemented auto loan repossession, collateral liquidation, and collection guidelines. Partnered with internal counsel and the bank's fair lending department to ensure compliance with federal and state collections laws, including the FDCPA, CFPB, FCRA, and bankruptcy.
AVP Loss Recovery
First American Bank
Bloomingdale, Illinois
11.2016 - 05.2018
- Analyzed the bank's consumer and small business charged-off loan portfolio for potential collection efforts.
- Initiated foreclosure and other collection activities to facilitate asset recovery.
- Authorized and executed direct settlement negotiations with debtors, opposing counsel, and bankruptcy trustees.
- Managed relationships with external counsel for litigation and recovery efforts, including billing and litigation costs.
- Identified and mitigated litigation risks on new and existing legal files with internal and external counsel.
- Managed the Banks compliance with Federal and State Collections Laws, including: FDCPA, CFPB, FCRA, Bankruptcy, and Repossession during collection activities.
- Prepared executive presentations showcasing recovery progress and strategies.
AVP, Financial Center Manager
Bank of America
Lake in the Hills, IL
01.2010 - 11.2016
- Managed and coached banking center associates on sales, service, and operations in critical north suburban banking center.
- Cultivated key partnerships with Mortgage, Small Business, and Merrill Lynch representatives using One Team Model.
- Led sales initiatives as a Performance Manager in the Chicago Suburban North Market.
- Conducted PB incentive-builder calls and weekly meetings for underperforming bankers.
- Served as Cluster Leader for five centers, ensuring operational excellence and coaching sales performance with branch management.
- Transformed Financial Center into training hub for new hires to ensure seamless and successful onboarding.
- Supported CMM with structured coaching visits to enhance sales, operations, and customer satisfaction.
- Achieved consistent satisfactory BCCR audit ratings, and assisted other branches with staff and management support.
Education
Associates of Science - General Studies
Mchenry County College
Crystal Lake, Illinois05.2005
Skills
- Performance metrics and analysis
- Sales strategy
- Results orientation
- Portfolio optimization
- Customer relationship management
- Team leadership
- Coaching and mentoring
- Effective communication
- Problem solving
- Staff development
- Risk management and compliance
- Strategic planning and operations
Certification
NMLS ID: 1574224
Timeline
VP Indirect Lending Channel Manager
First American Bank
06.2021 - 02.2026
AVP Collections Manager
First American Bank
05.2018 - 06.2021
AVP Loss Recovery
First American Bank
11.2016 - 05.2018
AVP, Financial Center Manager
Bank of America
01.2010 - 11.2016
Associates of Science - General Studies
Mchenry County College