Rose Pereirra
CLOVIS,CA
Summary
Skilled Manager with 30 years of lending, and underwriting, audit experience, with a strong emphasis on assisting low-income families and social justice work. With a solid history of success in promoting activism, leading program operations, and garnering grass-roots support. Focused on speaking out for our underserved populations.
I love working with a team and believe together we can be of service to our community and make a more positive meaningful impact. I have partnered with over 70 local non-profits. Creating strong relationships for greater impact.
Overview
33
33
years of professional experience
Work History
Community Development Officer
Tri Counties Bank
Fresno, CA
12.2023 - Current
- Strong collaboration with local non-profits to identify and address community needs.
- Create awareness of CRA within our Branch staff
- Creating initiatives to better serve our LMI community for example offering VITA in our branches
- Strong communication with our leadership team and staff in the areas we serve
- Establishing Financial Education programs partnering with local nonprofits
- Creating strong relationships between branch staff and nonprofits in our service area
- Monitoring volunteer hours, and the need of our nonprofits for additional support
- Entering grant check requests and following up with nonprofits on future needs
Senior Community Development Officer
Coasthills Credit Union
Santa Maria, CA
10.2021 - 11.2024
- Creating both outreach and educational programs for our underserved community, identifying, and nurturing partnerships with local non-profits.
- Responsible for measuring the effectiveness of our programs, and assisting in the creation of new lending products for the benefit of our low-income families.
- Creating strong advocacy, for social and economic justice. Collaborating with other community leaders while promoting our brand and ensuring we are sustainable for enhanced community impact.
- We are newly certified as a CDFI, with this new status I am creating additional partnerships and opportunities for greater impact in our community.
- Referred families to food banks, financial assistance programs, employment, and training support, and health and immigration services.
- Developed engagement and outreach metrics to solicit community engagement.
- Creating strong partnerships with community members, business owners and officials to address current issues and find appropriate solutions.
- Utilized research skills to determine opportunities for community development.
Mortgage Loan Manager Central Valley
Bank of the West, BNP Paribas
Fresno, CA
04.2021 - 10.2021
- Determined level of acceptable risk by reviewing applications for coverage and loss control reports.
- Worked with colleagues to review and accept or deny new and renewal business.
- Assessed loan conditions and provided effective feedback regarding decisions.
- Inspected financial statements, credit information and title data to complete uthe nderwriting process.
- Achieved production goals by developing strong underwriting teams.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Met business growth goals through collaboration with internal stakeholders and departments.
Branch Manager II
Self Help Federal Credit Union
Fresno, CA
05.2015 - 03.2021
- Responsible for opening a new branch, with strong outreach and partnerships with local nonprofits. This branch became extremely busy we developed a strong relationship with our partner agency the EOC.
- Hiring 6 full-time employees, coaching training, developing and inspiring our team to love our mission o helping low-income families. Staying compliant with all bank regulations, passing 2 audits with a perfect score.
- Focusing on our lending, underwriting and financial education of our Members to ensure sustainability, promoting credit cards, ITIN lending, EOC loans, DACA, citizenship, auto loans, unsecured loans, and credit starters, while promoting commercial lending. We were able to finance over 7 million in commercial lending through our involvement in the local community.
- Assisting families with low credit scores, and our credit union products, to improve our member’s credit scores. During my time at Self-Help,
- I held over 250 Financial Literacy classes, loaned over $44 Million to low-income families, we opened over 2750 memberships. Strong outreach and community involvement. October 29th was proclaimed Self-Help day in the City of Fresno! by Mayor Lee Brand.
- Connected with grass-roots organizations to solidify partnerships, build support and garner attention for key messages. surrounding our social justice work.
VP Branch Manager
Capital Source Bank
Fresno, CA
04.2009 - 09.2014
- Adhered to the bank and legal guidelines for reporting, loan approvals, and money handling.
- Attended local gatherings and networking events as a bank representative to establish community relations and generate potential customer leads
- Developed a culture of success rewarding performance, productivity, and sales results.
- Reduced bank losses by setting successful risk management policies.
- Cultivated positive relationships with key stakeholders and decision-makers as part of successful business practices.
- Enhanced financial performance metrics by networking to create successful and sustainable relationships.
- Articulated growth objectives and operating plans.
Branch Manager II
CitiFinancial
Fresno, CA
12.1991 - 01.2009
- Managed the 2nd largest branch with a staff of 9 people. Strong emphasis on consumer lending. Funding over 100 loans per month!
- Reported on qualitative and quantitative analysis, providing data-driven insights to senior leaders.
- Communicated with industry partners to build valuable relationships and achieve operational targets.
- Drove business development by pursuing partnerships, Responsible for providing leadership, planning, organizing, and directing day-to-day activities and strategies for assigned branch staff to assure that operational and financial performance is maintained.
- Provided staff development, leadership, and mentoring for a staff of 9 people.
- Implemented strategies to effectively meet or exceed branch goals by controlling expenses and increasing branch sales.
- Directly responsible for staff recruitment, training, and management of accounts receivable; approximately 1975 accounts, 19 million in receivables, running the second-largest branch in the state of California funding.
- Underwriting over 100 loans per month, along with management of delinquency.
Education
General
Selma High School
Selma, CASome College (No Degree) - Cultural Studies
Technical And Cultural Institute of Guadalajara
Guadalajara MexSkills
- Auditing
- Creating work flows
- Loan Underwriting
- Credit Review
- Public Speaking
- Training & Development
- Bilingual Fluent in English/Spanish
- Partnering with nonprofits
- Mentoring for career development
- Public Notary for over 20 years
- Certified Credit Counselor with CUNA
- Community Outreach
- Program Creation
- Banking Products and Services
- Interviewing and Hiring
- Branch Operations Management
- Excels in Team Leadership
- Business Development
Additional Information
- For the last 13 years, I have served on the Board of Directors for the local Central California Food Bank, we serve 5 counties Fresno, Tulare, Kern, Kings, and Madera County. I am currently the HR Chair and past Treasurer signing all large checks and keeping a watchful eye on our budget and our future for expansion. Reviewing audit, controlling expenses, and our financial surplus. We serve over 90,000 families last year we served over 33 million pounds of food. Dealing with donors, and grants, and making sure our Food Bank is sustainable for many more years.
- From May 2015 to January 2021 I served on the Economic Opportunities Commission, Access Plus Capital as a Loan Committee Member. Assisting low-income mostly minority-owned businesses succeed in obtaining the loans necessary for them to prosper, while at the same time keeping our risk to a minimum, and using Grant funds responsibly.
- I have presented over 250 Financial literacy classes, to help protect low-income families from payday lenders.
- I serve on the Board of Directors for Big Brothers Big Sisters 100 % of our kids are low-income
Timeline
Community Development Officer
Tri Counties Bank
12.2023 - Current
Senior Community Development Officer
Coasthills Credit Union
10.2021 - 11.2024
Mortgage Loan Manager Central Valley
Bank of the West, BNP Paribas
04.2021 - 10.2021
Branch Manager II
Self Help Federal Credit Union
05.2015 - 03.2021
VP Branch Manager
Capital Source Bank
04.2009 - 09.2014
Branch Manager II
CitiFinancial
12.1991 - 01.2009
General
Selma High School
Some College (No Degree) - Cultural Studies
Technical And Cultural Institute of Guadalajara
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