Ryan Stack

Experience

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  Ford Motor Credit Company

  Jul 1999 - Apr 2001

  Auditor / Analyst
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  Franklin Capital Corp

  Apr 2001 - Sept 2006

  Credit Manager
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  WEX Bank (fka Wright Express Financial Services)

  Jul 2007 - Dec 2012

  Credit Portfolio Manager / Project Manager
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  Utah Microenterprise Loan Fund

  Aug 2011 - Apr 2013

  Board Member - Loan Committee
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  Target Bank

  Dec 2012 - Jul 2015

  Credit Manager
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  AAA Fair Credit Foundation

  Dec 2013 - Sept 2014

  Financial / Community Education Volunteer
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  FuturePay

  Jul 2015 - Sept 2016

  Director of Lending
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  First Electronic Bank

  Sept 2016 - Jan 2023

  Strategic Partnership Risk Manager
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  Milestone Bank (Formerly LCA Bank)

  Jan 2023 - now

  Partnership Manager – Due Diligence & Implementation

  • Developed and implemented new Bank lending products for small businesses, including warehouse lending facilities and bridge loans, aligning with the Bank's Risk Appetite.• Oversaw multi-product portfolio, identifying trends and reporting to the Board on loan performance, emerging concens, and concentration risk.• Led Credit and Collection Committee, delivering portfolio reporting to the board and implementing risk treatments for non-performing loans.• Responsible for post loan origination activity, including ongoing credit score monitoring, mitigation plans, loan sales, and allowance for credit loss modeling (with CFO.)• Member of the following Committees: Credit and Collection (Chair), Allowance for Credit Loss, Compliance, and Enterprise Risk Management.• Oversight of external Loan Review Audit, FDIC/UDFI Safety & Soundness exam, Fair Lending Audit, and Internal Controls Audit• Developed product framework and roadmap for new product offerings, subsequently becoming chair of the New Business Initiatives Committee.• Member of new business development team, with responsibility for business case development for new product relationships and product launch strategy.• Conducted risk assessments across multiple areas for new bank relationships. Including the due diligence and implementation of multiple forward flow arrangements. • Developed internal controls and processes to monitor and maintain performance of banks new relationships. Show less