1. JOAN L PAYLOR
Professional Summary
Results-driven and highly skilled management professional with diverse experience in the mortgage banking and
financial industry. Provide strategic value to customers including leveraging trends in customer industries/marketplaces
to shape solutions and approaches. Broad scope of experience encompassing problem resolution, client/vendor
relations, team leadership and business development. Adept in assessing operational capabilities, creating and
implementing process improvements, and streamlining overall operations for optimal business efficiency.
Skill Highlights
Mortgage Banking Experience
Quality Assurance
Financial Analysis
Team Leadership
Lending Product Knowledge
Needs Assessment
Credit Investigations
Risk Management
Core Accomplishments
Drove mortgage lending operations closing over $1 billion in mortgage loans within a five year period.
Spearhead mortgage sales generating $10.3 million in gains with 0% buyback within one year.
Identify and implement a new lending program generating $42 million closed loans in one month and a 400%
increase in volume for the year.
Strengthen the leadership team successfully completing the merger between two full-service credit unions with
$1 billion in combined assets within a nine-month period.
Mentor multiple teams through system conversions to improve efficiency and performance in the mortgage,
consumer lending and credit card areas.
Earn the top CAMEL (credit union soundness) rating for mortgage underwriting.
Professional Experience
Mortgage Lending Consultant
April 2014 to November 2014
Independent Consultant - Philadelphia, PA
Identify and recommend alternative lending products, funding, and loan-structuring solutions increasing loan
closures 20% in six-months.
Vice President of Real Estate Lending
April 2005 to August 2013
Citadel Federal Credit Union - Philadelphia, PA
Drove strategy and business plans for the real estate division generating 10% increase in mortgage closures
year after year.
Mentored a team of ten professionals closing $1.0 billion in real estate loans within a five-year period.
Spearheaded a mortgage wholesale program with $288 million funded within five years and zero delinquency.
Oversaw the profitable sale of $418 million in quality mortgage loans in the secondary market generating $10.8
million in gains with 0% buyback within a five-year time frame.
Ensured loans conform to specific program, compliance, due diligence, and industry requirements.
Analyze and evaluate collateral, credit, and financial status of individuals to guide borrowers in conventional loan
processes.
Ensured compliance with company policies and procedures; lead staff training initiatives to maximize productivity.
Completed the merger of two large credit unions totaling $1 billion in 2005 to effectively function as one.
Implement new lending products, pricing and underwriting guidelines increasing loan volume 25%
Led lending teams to effectively complete system conversions for the merging credit union. Systems include
USERS Lending Navigator, Mortgagebot, FICS Origination and Servicing and PSCU to our in-house credit
127 Stirrup Circle, West Chester PA 19382
Home: 610-399-5395 - Cell: 610-955-9648 - Joan.Paylor@yahoo.com

2. card program. Expenses declined 25% and volume increased 10%.
Vice President of Lending
February 1992 to April 2005
Atlantic Credit Union - Newtown Square, PA
Drove lending growth from $70 million to $240 million while maintaining delinquency of less than 1% and charge
offs at 25 basis points.
Lending and Collection Manager
April 1988 to January 1992
Atlantic Credit Union - Philadelphia, PA
Mortgage Loan Officer
May 1983 to March 1988
Atlantic Credit Union - Philadelphia, PA
Head Teller
April 1980 to April 1983
Atlantic Credit Union - Philadelphia, PA
Front End Coordinator
July 1977 to June 1979
Pantry Pride Supermarket - Philadelphia, PA
Affiliations
National Association of Professional Women (NAPW) - 2013 to present
Leadership Circle Award for Exceptional Loan Performance - 2012 to 2013
FFIEC Financial Literacy Trainer - 2001 to 2003
Advisory Board Member, Credit Union Lending Society - 1992 to 2002
Advisory Board Member, PSCU Financial Services - 1994 to 2000