John Ricca

Background

About John Ricca

Retail Lending and Credit Executive Accomplished Credit Executive with over 25 years’ experience working for super-regional, community banks and Credit Union as well as a national mortgage company. Extensive experience in all areas of Retail / Consumer and Small Business Lending from loan origination, processing, underwriting, funding, secondary marketing, servicing, and collections through compliance. Develop, communicate, and execute strategies, goals, plans, and policies during periods of significant transition. Improve productivity, quality, and morale by hiring, coaching, and developing sales and operations staff to full potential. Influential in driving consensus and gaining buy-in with all stakeholders. Had full P&L responsibility, planned and successfully implemented many start-up divisions and initiatives. Lending and general management expertise include: Division P&L and Operations Management Credit Management and Underwriting Loan Servicing Business Development Credit Risk Management Regulatory Compliance & Quality Control Small Business Lending, Consumer Lending, Real Estate Lending Retail, Wholesale and Correspondent Lending Whole Loan Purchases and Sales Process Improvement and Redesign