LORENZO MORENO

El Paso, Texas 79936

(915) 494-5497 Email: larrymoreno@gmail.com


Executive Summary

Intuitive Bi-lingual Vice President with over 20 years experience in Consumer and
Indirect Lending department, Sales, and Marketing Positions. Ability to recruit, mentor,
and develop committed team members. Able to establish mutually beneficial long-term
relationships with clients, board members and centers of influence. Proven record to
revitalize lending department and growing assets by as much as 15%. Recognized for
exceptional work performance.


PROFESSIONAL EXPERIENCE

Vice President of Lending
El Paso Employees Federal Credit Union 2006 to 2014
Managed and improved efficiencies within the entire lending function of the credit union,
ensuring adherence to loan policy, increased loan production by 15%.
Administered the hiring, training and performance of all department employees,
including loan officers, loan processors, back office as well as reception areas of the
credit union. 21 direct reports.
Loan production is priority, responsible for loan promotions, underwriting and
documentation of all new loans, with clean federal examination, no findings.
Supervised and managed the loan collection function including repossession and/or
foreclosure of collateral.
Managed the Indirect Auto Loan Department, including the solicitation, underwriting,
processing and funding of indirect Auto loans, including supervising eight employees.
Development and ongoing training of lending and collection staff as well as support staff
was one of my priorities.
Successfully generated $70-85 million in new loans on a yearly basis, adhering to loan
policy and monitor compliance with regulatory requirements.


Title Examiner
Stewart Title Co. of El Paso 2002 to 2006
Accurately and efficiently researched abstract Chain of title to real estate properties in
process of resale and/or refinance.
Accurately determined proper ownership of subject property by examination of
public records and determine application deterrents to perfection of title.
All inclusive of any applicable ownership claims, derogatory personal items of public
record that must be corrected prior to conveyance of property.
Efficiently and promptly prepared final title report in order to properly issue title
insurance for applicant.


Larry Moreno

Small Business Banker
Wells Fargo Bank El Paso 2000 to 2002
Effectively called on prospective and existing small business customers, soliciting
and solidifying banking relationships.
Researched needs and provided complete range of banking products by
providing appropriate banking products and solutions.
Maintained and developed banking portfolio of small business banking customers
by providing premier banking services and products in order to enhance
customers relationship with the bank as well as providing expert solutions for the
customer for their individual banking/financial needs of their business.

Territory Marketing Representative
Wells Fargo Auto Finance 1998 to 2000
Provided marketing, account management, and service for 146 new car
dealerships in El Paso and New Mexico.
Successful coordination efforts of buying center staff and dealership personnel.
Procured new dealerships and service existing customer base; provided excellent
presentations, selling, and closing techniques.
Monitored success/closing rate for dealerships; worked closely with dealerships
to achieve desired sales goals; Served as liaison between dealership/loan
centers.
Worked closely with dealerships in cross sales efforts to include providing real
estate loans, consumer loans, equipment loans, deposit accounts, and
investment accounts.
Successfully and consistently exceed monthly production goals of $6M in auto
loans; listed in national Top 10 ranking Sales Representatives.

Vice President-Indirect Loan Department Manager
Norwest Bank, N.A. 1992 to 1998
Successfully and effectively managed Indirect Loan Department; generation of
$60M in annual new loan production; account management, marketing, and
servicing loans.
Effectively marketed, procured, and serviced new car dealerships in El Paso and
a selected few in Las Cruces; processed and approved dealerships in compliance
with regulatory guidelines. Successfully achieved high ranking of market share of
auto loans.
Hired, trained, scheduled, and supervised up to six loan processors and one
lender; underwriting, processing, funding, and maintenance of new loan
production.
Created, implemented, and managed loan by phone program, outsourcing
procedures, and quality control follow-up program.












Larry Moreno


Vice President-Indirect Loan Department Manager 1989 to 1992
First City, Texas
Professional management of Indirect Loan Department; generation of up to $50M
in annual loan production servicing new car dealerships and consumer loans.
Hired, trained, scheduled, and supervised seven loan processing personnel and
one lender.
Successful marketing and generation of new loan production, maintained existing
portfolio, and coordinated efforts with other department managers to ensure
quality performance.
Pioneered and created and implemented buying program consisting of risk-based
tier grading of incoming applications; monitored program for effectiveness,
efficiency, and profitability; underwriting, processing, funding, and maintenance of
new loan production; voting member of senior loan committee.



EDUCATION


Graduate- Southwest CUNA Management School July 2011

El Paso Community College, El Paso, Texas
Principles of Banking and Banking Regulations

University of Texas at El Paso, El Paso, Texas
Major: Business Management
No diploma


RELATED TRAINING


Principles of Banking, Principles of Consumer Lending, Consumer Credit Underwriting,
E.C.O.A. Training, Diversity Training, Real Estate Training, Lending, and Appraisals
Seminars, Continuous Seminars-Fair Lending and Middle Management Training,
Negotiable Instruments Training, Principles of Commercial Lending, Consumer
Compliance, Equal Credit Opportunity, Principles of Consumer Lending, Financial
Reporting, Statement Analysis, Credit Bureau Reporting, Personnel Management,
Account Management, Sales, Marketing Techniques, Customer Service