Tim Reibe
Wills Point,TX
Summary
Performance driven financial institution professional leader with proven strategic planning, lending, policy development and diverse personnel management skills. Experience over many areas of credit union operations with a focus on developing efficiencies, increasing income and growth goals with an emphasis on member experience and team development.
Overview
18
18
years of professional experience
Work History
VP Mortgage Services and Business Lending
Texas Trust Credit Union
2015.03 - 2023.04
- Responsible for sales development, origination, processing, underwriting, closing and all mortgage and business servicing.
- Sales and production - Produced record production for 7 consecutive years by developing sales and production teams.
- Managed a combined portfolio of over $500 million including portfolio and credit union serviced Investor loans.
- Secondary market activities including lock desk, file delivery, QC, investor reporting and investor relations.
- Development and enhancement of loan products. Successfully implemented Encompass LOS including implementing member facing Consumer Connect web application.
- Reconfigured FICS servicing software to perform more efficiently and provide better member experience.
- Developed mortgage servicing software to integrate with Jack Henry's Symitar. Maintained MBL on the Symitar platform and improved member experience.
- Developed pricing strategies to match organizational goals.
- Responsible for all regulatory and policy compliance which has resulted in not receiving any NCUA/TCUD findings in 7 years.
- Resolved issues and recommended actions based on production and compliance reports
- 'Increased company growth through collaboration with sales and marketing departments. Enabled revenue generation by pursuing partnerships, sourcing funding, and capitalizing on market opportunities.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
Internal Auditor
Texas Trust Credit Union
2014.05 - 2015.02
- Perform periodic audits on all operations of organization.
- Investigate specific items that occur during the year as directed by the Credit Committee.
- Work with SVP - Risk to develop yearly audit plans and audit irregularities.
- Team with Risk team to ensure credit union compliance on all aspects of operations.
Branch Manager
Texas Trust Credit Union
2013.04 - 2014.04
- Responsible for attaining branch sales goals, placed in top 3 branches 2 of 3 quarters in 2013.
- Accountable for all branch assets including cash, checks, general ledgers specific to the branch and physical items located at the branch.
- Developed team and branch action plans to address specific needs and maximize opportunities.
- Consistently prevent fraud through training and experience shown by having no policy losses for 2013 and negligible over/shorts.
- Comply with all applicable state and federal laws and Texas Trust policies and procedures.
- Successfully lead and coached team through: bringing credit cards in house, switch to new online banking and bill pay vendor and Security One CU merger.
- Actively participating in Process Improvement team, provide environment that encourages process improvement and efficiency. .
Assistant Vice President - Transaction Services
Citizens Federal Credit Union
2009.08 - 2013.04
- Development of policies and procedures in accordance with Board of Directors directives.
- Manage cash and check operations for multiple branches including cash, policy, and procedure auditing.
- Responsible for purchasing, installing and implementing new ATM and upgraded software for existing ATMs; oversee ATM servicing and maintenance.
- Team recruiting and development; administer performance reviews and coaching.
- Develop and implement costs reducing strategies.
- Produce and present board reports.
- Coordinate with lending and membership departments to solve member problems and team with peer managers to develop member programs to attain specific goals.
Collections Supervisor
Citizens Federal Credit Union
2005.07 - 2009.09
- Successfully supervised collection of the lending portfolio.
- Developed special procedures for a large sub prime auto portfolio resulting in improved delinquency and charge off results.
- Integrated core processing system to be used efficiently as a collection tool.
- Trained and coached collection specialist to handle multiple situations.
- Implemented and managed third party collectors working from off site locations.
- Negotiated contracts with third party collections firm, multiple law firms and multiple repossession agents.
- Instituted strict guidelines concerning the disposition of collateral with legal protection and asset recovery the major focus.
- Developed and updated delinquent notifications to be in accordance with collection and lending law.
- Worked with the Vice President of Lending to ensure lending policy was being followed and adjust policy as needed by auditing loan files.
Member Services Represenative
2004.12 - 2005.09
- Opened new accounts for members.
- Took loan applications, reviewed credit histories and approved loans; sold GAP, credit life, disability and MMP.
- Worked with members to resolve account problems, research accounts and educate members.
Education
Strategic Planning
CUNA Management School
Ft. Worth2010
BBA - Accounting
Angelo State University
San Angelo, TX1990
Skills
- Profit / Budget Management
- Policy and Procedure development and implementation
- Sales and Operations Management
- Pricing strategies/IRR/ALM
- Problem Resolution
- Strategic Planning
- Diversity development
Timeline
VP Mortgage Services and Business Lending
Texas Trust Credit Union
2015.03 - 2023.04
Internal Auditor
Texas Trust Credit Union
2014.05 - 2015.02
Branch Manager
Texas Trust Credit Union
2013.04 - 2014.04
Assistant Vice President - Transaction Services
Citizens Federal Credit Union
2009.08 - 2013.04
Collections Supervisor
Citizens Federal Credit Union
2005.07 - 2009.09
Member Services Represenative
2004.12 - 2005.09
Strategic Planning
CUNA Management School
BBA - Accounting
Angelo State University
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