Chuck has 37 years experience in the financial services industry including 18 years with Wells Fargo Bank, N.A., eight years with Feather River State Bank, three years with Bank of Vancouver/West Coast Bank, six years with Columbia Credit Union, and two years with Arizona State Credit Union.
Currently he is senior vice president - business banking at Arizona State Credit Union. He is responsible for planning and implementing the creation of business services within the credit union, including business loans, deposit products, collateral products, services, policy, procedures, controls, and reporting.
Prior to working at Arizona State Credit Union, Chuck held the position of senior vice president - chief lending officer, Columbia Credit Union. There he managed the consumer, residential real estate, and business lending areas. His department had a loan portfolio of $450MM and a monthly origination volume of + $20MM.
During the six-year tenure with Columbia Credit Union, the business lending department generated +$250,000,000 in loan originations and had loan losses of less that $120,000 cumulative, or a .05% charge-off ratio over six years. The department received excellent exam reports annually from DFI/NCUA, as well as semi-annual exams from a third party independent examiner. The credit union was the model for the Washington State Department of Financial Institutions and was often referred to other credit unions, by DFI, for consulting and assistance.
Vincent is a co-founder of Development Finance Training and Consulting, Inc. (DFTC). He has been involved in evaluating and meeting the credit needs of small and medium-sized businesses for almost thirty years as a business advocate, lender, credit analyst and trainer in the public, private non-profit, and private sectors.
For the last sixteen years, Mr. DiCara has conducted training programs for individuals who work in the credit union, banking, economic development, and community development fields. He has developed a number of partnerships with organizations that include several chapters of the Center for Financial Training (CFT) and state banking associations throughout the country. He is a faculty member of the Neighborhood Reinvestment Corporation and is also a co-creator and faculty member for the Credit Union National Association's (CUNA) Business Lending Certification Institute. Mr. DiCara's training programs have become known for their ability to foster an informal and participatory environment in which students are empowered to learn.
In addition to his experience as a financial trainer, Mr. DiCara is also a loan practitioner, who provides commercial loan officer services to the Greater Portland Council of Governments (GPCOG) and the Portland (ME.) Development Corporation (PDC). His specific responsibilities include loan underwriting, liaison to area financial institutions, and the structuring of complex financing packages that utilize multiple sources of funds from the private and public sectors.
Mr. DiCara is a graduate of Bowdoin College in Brunswick, Maine and received a Masters Degree in Public Administration from the University of Maine. A native of Boston, Massachusetts, he has been a resident of the State of Maine for more than forty years.
Jeff received his undergraduate and masters degrees from San Diego State University. He joined the credit union movement six years ago after over 25 years in commercial banking-with the majority of the time spent at customer-friendly community banks-spending time in branch operations, branch lending, real estate lending and audit. After a megalopolis bank gobbled his bank up, Jeff spent two years heading up the successor bank's small business lending in San Diego. Jeff left the banking industry when megalopolis was bought out by super-megalopolis.
Jeff first joined North Island Financial Credit Union as a consultant performing a study of how a credit union could create a niche for itself in offering member business services-while operating under the limitations imposed by the NCUA's business lending regulation and later by HR 1151. During the last six years, NIFCU has concentrated on providing Commercial Real Estate Loans to its members. In late 2001, following a host system conversion, the credit union rolled out a full array of member business products, including lines of credit, term loans, analyzed checking, courier services, payroll, on-line access, equipment leasing, and merchant credit card services, among others-and we are happily growing the resulting core deposits.
With over 25 years as a commercial lender working for some of the largest banks in the country. Mr. Sumner brings a practical, hands on approach to commercial lending and senior management. In the capacity of Senior Commercial Lender, he had the opportunity to be involved in all aspects of commercial lending. In 2003, Dana started Development Finance Training and Consulting Inc. to offer commercial loan training and consulting services nationally. He has trained thousands of lenders across the country in the areas of portfolio management, risk management, ALLL management, credit analysis, loan underwriting, problem loan resolution, documentation, financial analysis and entrepreneurial assistance. Mr. Sumner has considerable experience working with NCUA and state regulatory bodies to turn credit unions around that have been placed in Special Actions, issued Cease and Desist orders and DOR compliance.