Carmen Morse

19079 Olympia Street

Porter Ranch, California 91326
cmf00a52@westpost.net
818.366.5006

Senior Vice President Vice President, Director, Operations and

Client Services
Account Management Financial Analysis & Investments Performance
Management
Integrated innovative operational strategies, project management
with strong staff development practices to support sales, service,
and revenue gains for prominent companies including BANK OF AMERICA.
Restructured departments, turned around regions, introduced startup
projects and solved costly operational problems, enabling
organizations to optimize the management of people, processes and
resources. Strong organizational and sales skills

Applied highly effective combination of operational, compliance, and

financial experience to successfully direct companies in the
management of service quality and staff development/utilization.
Organized effective diversity programs to effectively attain
compliance and meet business sales and service initiatives.
Created/managed innovative training programs, enabling profitable
business starts, increasing productivity and reducing costs for
high-visibility companies. Chaired community educational forums and
led activities, improving relations B2B between diverse populations.
_Core Competencies_
-Sales & Marketing Support -Budgets & Regulatory
Compliance -P&L
-Project Management -Continuous Process Improvement
-Startups
-Quality Assurance -Customer Relations Management
-Training
_Representative Accomplishments_
CREATED NEW SALES SUPPORT AND OPERATIONS STRATEGIES, INCREASING
REVENUE 65% FOR CLIENT OF MORSE & ASSOCIATES. Startup company with
aggressive performance agenda needed a five-year operating plan to
improve revenue production. Developed weekly/monthly budgets to reach
desired sales levels and actualize ROI. Trained sales staff and
developed handbooks outlining cost of inventory/maximum mark-ups on
product, enabling sales staff to focus on items with greater profit
margins. Established more efficient operations, improving
revenue/profitability while developing well-trained sales staff.
ESTABLISHED NEW PROCESSING POLICIES FOR CALIFORNIA BEAR FCU,
SLASHING LOAN DELINQUENCY RATES SIX-FOLD. Loan delinquencies of 3%
far exceeded industry average of 0.75% and were attributed to poor
collections techniques. Analyzed business processes/operations and
identified Loan Department as source of problem. Trained loan and
collections staffs to better understand loan applications, economic
trends and viability of clients in the lending decisions process.
Revised loan applications/approval procedures, reducing delinquency
rates, growing loan portfolio and enhancing staff performance.
LED FFB TRANSITION, IMPLEMENTING NEW CHARTER GUIDELINES AND
SUCCESSFULLY TRAINING STAFF ON NEW REVENUE MODELS. Charged with
managing change when bank converted operating charter from savings
and loan to commercial bank. Led regional team meetings for Branch
Managers, providing product knowledge/training for cash management
products including small business loans, credit lines and home equity
products. Directed major transaction changes, successfully training
staff to execute new procedures.
TURNED AROUND POORLY PERFORMING BOFA REGION, REVAMPING OPERATIONS
AND ACHIEVING AUDIT COMPLIANCE. Regional Manager was plagued with
failed audits. Assessed compliance requirements for each office and
assigned "strike team" to branches requiring complete operations
overhaul. Introduced plan for regional training and staff increase,
receiving buy-in from Regional Manager. Restructured regional
operations, improving retention of management personnel and
controlling costs. Regional performance met compliance levels,
passing audits.
REVAMPED OPERATIONS FOR FFB SITES, IMPROVING ENCINO OFFICE FROM 24TH
TO 2ND PLACE AND WEST L.A. SITE FROM 9TH TO 3RD. Company required
standards of operations that translated to company revenue and profit
goals. Trained staff on new sales techniques and computer sales
support system. Introduced "cross-selling" techniques and methods to
grow business with existing customers, leading to follow-on sales.
Successfully transitioned offices' overall sales, service and deposit
mix, bringing performance in line with corporate goals.
INTRODUCED INNOVATIVE SELLING STRATEGIES TO FFB OPERATIONS, GROWING
ONE OFFICE'S DEPOSIT BASE FROM $48M TO $64M. Serving in leadership
capacity brought accountability for staff development as well as
impact to company bottom line. Trained staff on innovative selling
methods, deviating from posted deposit rates and expanding service
offers. Encouraged "prospecting" for sales with existing and new
clients. Met company goals, increasing deposit base for West L.A.
operations as wella"improving deposit base from $154M to $159M.
LED PERFORMANCE IMPROVEMENTS FOR CALIFORNIA BEAR FCU, ENSURING
REGULATORY COMPLIANCE AND INCREASING LOAN portfolio. In senior
management positions, charged with directing all aspects of credit
union operations and improving performance to achieve corporate
goals. Collaborated with President in development of marketing
programs to include pricing and market segmentation to maximize loan
response. Developed employee incentive programs, fostering loan
growth. Met organizational goals, increased loan portfolio and
maintained liquidity with loan-to-share ratio of 75%+._Career
HIstory_
 CONSULTANT/LIFE AGENT/CERTIFIED SIGNING NOTARY, Morse & Associates,
2003 to 2010. Direct companies in the development of active business
plans. Structured organizations for effective ROI. Developed
benchmark structure to remain on task and revenue expectations.
Establish effective portfolio's for Real Estate development, SFR and
small commercial lending. Present and sell life insurance products to
individuals and businesses. Notarized loan modifications as a
traveling notary.
a Provide guidance for developing brand strategies, hiring
practices and performance measurement tools.
a Underwrite loans for presentation to foreign investment groups.
R.E. projects and small business lending focused on regulatory
compliance and ROI.
a Create effective communication modules and sales training
concepts.
a Conduct team building sessions.
VICE PRESIDENT & MANAGER, First Federal Bank (FFB), 1998 to 2003.
Administered all aspects of branch sales/service. Played key role in
converting charter from savings and loan to commercial bank. Managed
up to 21 staff, office budget and P&L.

*
Coached staff in sales and service procedures.
*
Assisted Regional Manager with development of branch managers,
providing direction in cash management products and small business
credits.
*
Played key role in business development, improving conversion ratio.
Selected to serve as Team Lead for business meetings. Utilized sales
training, mentoring and instructional models to develop sales
strategies and implementation techniques. Drove dramatic results in
business development opportunities.
VICE PRESIDENT & SR. LENDING OFFICER, California Bear Federal Credit
Union, 1993 to 1997. Directed all aspects of credit union operations
at five branch locations. Oversaw training, coaching and staff
performance. Managed 11 senior or supervisory staff, overall
responsibility of 75+ staff members.

*
Assured regulatory compliance and Fair Lending
*
Reviewed and approved all business/consumer credits that exceeded
authorized approval limits.
*
 Managed branch personnel.
*
Increased loan portfolio.
*
Collaborated in development of marketing and incentive programs.
CONSULTANT, Equity Express, 1993 to 1994. Recruited by real estate
firm to direct origination of first trust deed real estate loans to
include conventional, FHA, and VA loans while assuring compliance
with regulatory requirements.

*
Monitor all phases of loan process.
*
Pre-qualify buyers.
*
Post closing follow-ups to assure achievement of objectives, and
optimal customer service.
VICE PRESIDENT BS, Business and Management, emphasis HR Development
and Project Management, University of Redlands.
Designated Subjects Teaching Credential, Department OF EDUCATION,
STATE OF CA;
Life Agent, State of CA.
Certified Signing Notary, State of CA.
VOLUNTEER: Taught at Continuation School, Korea Town, Metropolitan
L.A._Professional / Personal_
Enjoy music, developing and mentoring other professionals and
students
Top Ladies of Distinction
Math Tutor, currently to Middle School, Special Needs and Elementary
School Students
Team Member of Financial Ministry a" Focus on Freedom
Professional Development Systems for intercity Youth and Adults
Team Member Stewardship
_References furnished upon request_