Ron Wilsie
Santa Ana,CA
Summary
Experienced real estate and consumer lending executive with a successful track record in credit unions, banks, and independent mortgage banks. Demonstrates strategic insight that consistently delivers significant ROI and ROE contributions to employers. Skilled in balance sheet and income statement analysis, asset and liability analysis, expense control, business development, product development, loan servicing, and portfolio management, including experience in mergers and acquisitions. Strong background in interest rate and credit risk management, as well as leading national sales and operations teams. Committed to collaboration and customer satisfaction to ensure the happiness of employees, consumers, and employers. Utilizes extensive knowledge of risk management and regulatory compliance to maintain operational integrity. Known for building strong client relationships and leading high-performing teams.
Overview
33
33
years of professional experience
Work History
Chief Lending Officer
Empeople Credit Union Fka Deere Employees CU
05.2018 - 06.2024
- Responsible for management of lending operations and the loan portfolios at this $2 billion credit union operating in 7 states
- Increased loan portfolio from $700 mil to $1.7 billion organically while keeping delinquency and charge offs significantly below industry averages
- Generated exceptional non interest income through mortgage loan sales and averaged 90%+ auto decisioning results
- Created substantial FHLB and FHLMC mortgage servicing portfolios contributing $1 mil recurring annual mortgage servicing income
- Evaluated market trends to identify emerging opportunities for new loan products or services catering to shifting customer demands.
- Reduced risk exposure through diligent underwriting, credit analysis, and adherence to regulatory guidelines.
- Championed technological advancements within the lending department to improve efficiency and data-driven decision-making capabilities.
- Demonstrated exceptional leadership in times of change, guiding the lending team through major organizational transitions or shifts in market conditions.
- Optimized loan pricing strategies to maintain competitiveness while ensuring profitability for the organization.
- Implemented process improvements that streamlined loan approval workflows, reducing turnaround time for clients.
Vice President
Wescom Credit Union / CUSO Mortgage, Inc.
01.2008 - 05.2018
- Delivered profitable financial performance despite challenging economic conditions by executing prudent risk and secondary market management strategies
- Ensured regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms.
- Maintained P&L and shouldered corporate fiscal responsibility
- Initiated strategy to drive company growth and increase market share and profitability.
- CUSO Mortgage provides outsourced mortgage loan origination and servicing services to Wescom Credit Union and other credit unions throughout the United States
President
Westworks Mortgage, Inc.
11.1997 - 11.2006
- Company Overview: The company was chartered in 1997 while owned by Western Financial Savings Bank
- The company originated FNMA/FHLMC, jumbo, and Alt A loan products nationally through 3 regional origination centers supported by a national operations center in Santa Ana, CA
- Annual loan production was $300-500 million
- Annual pretax earnings ranged from $1.5 mil to $4.5 mil
- Prepared annual budget forecasts and monitored performance to meet organizational objectives.
- Established a culture of accountability by setting clear expectations and holding individuals responsible for results.
- Navigated complex regulatory environments while maintaining compliance across all aspects of the organization''s operations.
- Developed and executed operational strategies for sustained business expansion.
- Engaged with board members to align governance practices with organizational goals.
Executive Vice President
Colonial Bancorp, Division of Colonial Bank
11.1991 - 11.1997
- Managed this bank owned mortgage division
- The company originated FNMA /FHLMC , jumbo, and FHA/VA loan products nationally through 6 regional origination centers supported by a national operations center in Santa Ana, CA
- Annual loan production was $2-4 billion
- A $2.8 billion servicing portfolio was created over the duration of my tenure
- Provided executive leadership during mergers and acquisitions, ensuring seamless integration while maintaining operational excellence.
- Assembled team of vice president-level leaders to grow business and develop group.
- Developed strong relationships with key industry partners, resulting in mutually beneficial business opportunities.
- Cultivated high-performance team culture, setting clear objectives and rewarding outstanding achievements.
Education
MBA - Marketing, Finance
Michigan State University / Eli Broad Graduate School of Management
East Lansing, MI01.1975
BA - Business Administration
Michigan State University
East Lansing, MI01.1973
Skills
- Secondary marketing
- Compliance
- Credit and portfolio management
- Branding and marketing
- B2B business development
- Sales management
- Operations management
- Process improvement
- Outsourced mortgage origination and servicing
- Planning and budgeting
- Consulting and acquisition analysis
- Strategy
- Leadership
- Committee and board membership
- Loan servicing
- Relationship management
- Credit analysis
- Operational efficiency
- Collateral valuation
- Financial assessment
- Decision-making
- Team building
- Automated underwriting system (AUS)
- Mortgage lending
Phone - Number
714-345-0321
Timeline
Chief Lending Officer
Empeople Credit Union Fka Deere Employees CU
05.2018 - 06.2024
Vice President
Wescom Credit Union / CUSO Mortgage, Inc.
01.2008 - 05.2018
President
Westworks Mortgage, Inc.
11.1997 - 11.2006
Executive Vice President
Colonial Bancorp, Division of Colonial Bank
11.1991 - 11.1997
MBA - Marketing, Finance
Michigan State University / Eli Broad Graduate School of Management
BA - Business Administration
Michigan State University
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