Tammy Ballard
Acton,MA
Summary
Strategic and results-driven consumer lending executive with over 20 years of progressive leadership experience in credit union operations. Proven track record of developing and executing operational strategies, optimizing loan processes, and driving organizational growth through data-informed decision-making. Recognized for strong servant leadership, cross-functional collaboration, and fostering high-performing teams. Expertise includes loan program management, risk assessment, compliance, and large-scale system implementations.
Overview
25
25
years of professional experience
Work History
Vice President, Consumer Loan Operations
Hanscom Federal Credit Union
09.2023 - Current
- Provide executive leadership for all consumer lending operations, overseeing strategy, performance, and process optimization across the department. Drive initiatives that enhance efficiency, member experience, and portfolio growth.
- Lead strategic and operational planning for the consumer lending division
- Oversee departmental performance, identifying trends and implementing improvements
- Serve as cross-functional leader partnering with finance, IT, branch operations, and executive teams
- Direct major system implementations and operational transformations
- Key Achievements:
- Led 2024 implementation of Meridian Link consumer lending platform
- Developed and implemented comprehensive risk management frameworks to safeguard assets.
- Streamlined processes using technology solutions to improve service delivery and operational workflows.
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
- Demonstrated proficient leadership skills to motivate employees and build competent teams.
Assistant Vice President, Direct Consumer Lending
Hanscom Federal Credit Union
09.2020 - 08.2023
- Managed direct lending operations, focusing on loan origination efficiency, team performance, and service delivery.
- Led daily operations of consumer lending teams
- Improved loan processing workflows and turnaround times
- Trained and developed staff across loan origination and underwriting functions
- Lead roles in implementation project new los system, new core convections, credit union merges.
Consumer Lending Direct Manager
Hanscom Federal Credit Union
09.2015 - 08.2020
- Supervised lending staff and ensured compliance with policies and procedures
- Collaborated with branch teams to support lending initiatives
- Enhanced member experience through process improvements
- Led cross-functional teams to enhance operational efficiency and service delivery.
- Oversaw implementation of technology upgrades, streamlining processes across departments.
Assistant Consumer Lending Manager
Hanscom Federal Credit Union
09.2010 - 08.2015
- Supported management of consumer lending operations
- Assisted in staff development and performance management
Consumer Loan Quality Control Specialist
Hanscom Federal Credit Union
06.2007 - 08.2010
- Conducted loan audits and ensured compliance with internal and regulatory standards
Titles Specialist
Hanscom Federal Credit Union
01.2003 - 05.2007
Call Center Representative
Hanscom Federal Credit Union
06.2002 - 12.2002
Member Service Representative / Underwriter
Milestone Federal Credit Union
06.2001 - 05.2002
- Provided full-service support to members, including account management and lending
- Underwrote consumer loan products, including HELOCs
Education
High School Diploma -
Cambridge Rindge & Latin School
Cambridge, MA06.1991
Skills
- Customer Service
- Strategic Planning
- Leadership
- Team Development
- Performance Management
- Data Analysis
- Communication
- Relationship Management
- Policy & Procedure
- Regulatory Compliance
- Budget Management
- Business Development
- System Administration
- Underwriting
- Reporting & Financial Reconciliation
Timeline
Vice President, Consumer Loan Operations
Hanscom Federal Credit Union
09.2023 - Current
Assistant Vice President, Direct Consumer Lending
Hanscom Federal Credit Union
09.2020 - 08.2023
Consumer Lending Direct Manager
Hanscom Federal Credit Union
09.2015 - 08.2020
Assistant Consumer Lending Manager
Hanscom Federal Credit Union
09.2010 - 08.2015
Consumer Loan Quality Control Specialist
Hanscom Federal Credit Union
06.2007 - 08.2010
Titles Specialist
Hanscom Federal Credit Union
01.2003 - 05.2007
Call Center Representative
Hanscom Federal Credit Union
06.2002 - 12.2002
Member Service Representative / Underwriter
Milestone Federal Credit Union
06.2001 - 05.2002
High School Diploma -
Cambridge Rindge & Latin School