Steven P.

Mockel
2692 Corte Elena
Pleasanton, Calif. 94566
Cell Telephone 626-664-7989
Confidential Resume
I am an adaptable, creative professional executive with thirty-three years of ap
plied credit, operational, administrative and sales backgrounds. The banking an
d lease industries are where I have focused my career. I have held vice-preside
nt positions with a commercial bank, a private leasing corporation and three Cre
dit Unions. Through these experiences I have developed an entrepreneurial view
of business and my personal philosophy that "job ownership" will achieve the gre
atest efficiency, productivity and highest return for the individual and the exe
cutive management team.
PROFESIONAL EXPERIENCE
Tiger Federal Credit Union - El Segundo, Ca
Vice President of Lending, Business Development and Collections 2006
Responsible for the growth of the consumer loan and real estate portfolios. Also
included in primary responsibilities was the task of decreasing delinquent loan
s and charge-off accounts and developing membership through the Business Develop
ment Representatives' activities.
* Successfully increased the loan portfolio from $18.4 million to $19.5 million
* Successfully "turned" the loan portfolio back into a secured portfolio by impl
ementation of proven underwriting methods and risk based pricing, stabilizing de
linquency and charge offs.(Delinquency reduced from .93% to stable .25%; and dec
reased charge-offs from 2005 net of $178,000 to $35,000).
* Implemented a variety of Board approved underwriting guidelines to insure furt
her organization success.
Valley First Credit Union - Modesto, Ca 2005
Vice President of Lending and Collections
Responsible for all Consumer, Real Estate lending and Collections.
* Implemented new collection activities
* Reconstructed real estate lending activity to decrease workflow and increase p
ortfolio
* Increased lending activity and loan portfolio
.
Continental Federal Credit Union - El Segundo, Ca
Vice President of Lending and Collections 2002- 2005
Responsible for all Consumer, Real Estate lending and Collections activities for
the Continental Federal Credit Union. Developed and implemented policies and p
rocedures (including the complete establishment of the underwriting process) for
the both Consumer and Real Estate lending decreasing the underwriting process a
nd mitigating risk while increasing portfolio. Installed a complete Collection
process that establishes goals and projects and tracks the success of the depart
ment in relationship to those goals. Serve as major component on Executive Manag
ement Group/Team developing strategies.
* Successfully implemented automated lending with automated decisioning.
* Successfully "turned" the loan portfolio back into a secured portfolio by impl
ementation of proven underwriting methods and risk based pricing, stabilizing de
linquency and charge offs.
* Installed new operations member service culture that decreased member complain
ts.
* Assisted in the installation of U.S. Patriot Act and FACTA Act policies and pr
ocedures.
* Assisted in the development and loan profitability tracking.
 E Central Credit Union (formerly Southern California Central CU) - Pasadena, C
a
Vice President of Lending and Operations/COO 2000- 2002
Responsible for all Consumer and Real Estate lending and Operations activities
for E Central Credit Union. Developed and implemented policies and procedures f
or the both Consumer and Real Estate lending decreasing the underwriting process
and mitigating risk while increasing portfolio. Served as major component on
Executive Management Group/Team developing strategies.
* Have successfully implemented automated lending with automated decisioning and
true Internet lending.
* Have successfully "turned" the loan portfolio back into a secured portfolio by
implementation of proven underwriting methods and risk based pricing; soon to b
e enhanced by automated lending.
* Have assisted in the development of both MCIF and loan profitability tracking.
Chevron Federal Credit Union - Oakland, CA 1991- 2000
Consumer Loan Manager
Responsible for all consumer lending programs, policies and procedures for an ag
gressive, rapidly growing $650 million credit union. Developing and monitoring
policies and procedures to enhance and control business lines and loans and thei
r delivery process. Served as a key component to the Asset/Liability Committee
in developing rates, terms and associated strategies. Served as Senior Consumer
Lender to review and approve employees loans. Analyzes and prepares recommenda
tions on loans and lending authorities for action by both Credit Review Board an
d Board of Directors.
* Implemented an Automated Loan Processing System decreasing the consumer loan "
turn" from two hours to minutes. Developed an extensive forms group, which enhan
ced the automated system while eliminating compliance errors.
* Developed training seminars for line managers and loan officers to establish "
new" cultures regarding customer services and increase cost effectiveness.
* Developed, automated and implemented Risked Based Pricing, Auto Equity and Ind
irect Lending platforms.
* Developed and integrated a "Loans-by-Phone" system increasing loan application
s by 215 monthly.
* Senior member of the California Credit Union League's Consumer Lending Network
, acting as both charter member and group facilitator. Member of Chevron Federal
Credit Union's Asset/Liability Management group.
* Designed and administrated the development of three new branch offices in comp
liance to CUMIS requirements.
* Was lead lender on six merger projects; was installed as G M/CEO during one co
vering a six month conversion.
San Leandro Enterprises, Inc. - San Leandro, CA 1983 - 1991
Operations Manager/Vice-President
Responsibilities included the day-to-day operations of a privately owned leasin
g company. Established procedures and generated a business plan that carved a "n
iche" in the middle market business community for automobile and light equipment
needs.
* Developed procedures for sales, follow-up calls and inventory selection that g
enerated $5.265 million annually.
Security Pacific National Bank - San Francisco, CA 1981
- 1983
Vice-President/Commercial Lending
Responsibilities included development of core business lines and loans of credi
t for small corporations and prominent individual customers.
* Increased an established customer portfolio from $13.5 million to $49.6 millio
n in eighteen months.
* Serviced temporary construction loans (retention, maintenance and documentati
on).
* Served as senior lender to assistant lender on $750 million participation loan
portfolio (participants included Wells Fargo, Bank of America, Sumitomo, First
Interstate, and American River Banks).
United California Bank - San Francisco, CA 1973 - 1981
Branch Manager
Progressed from entry level to management through internal training programs, o
utside educational courses and assignment performance.
EDUCATION
San Jose State University - Business Administration - 1974
American Institute of Banking Certification (Accounting/Management)
Forum Corporation (Sales Training)
Dale Carnegie Training Courses (Motivational and Sales Development)
ASSOCIATIONS
California Credit Union League's Consumer Lending Network Leadership Council
(Charter Member/Senior Management Group/Steering Committee)
MAJOR ACCOMPLISHMENTS
Served as President / General Manager for two $20 million credit unions, future
merger partners for
Chevron Federal Texaco Federal Credit Union, each assignment lasted approx. six
months.
Designed and remodeled four branch locations and the Administrative Floors of
Chevron Federal Texaco Federal Credit Union.