Meet Our Team

A. Rex Johnson is a leading expert within the credit union and consumer lending industries. He has authored four best selling books plus eight videos. Rex is the former CEO and first employee of Baxter Credit Union, Deerfield, Illinois. During his 12-year leadership, the credit union grew to $300 million in assets. He has shared his expertise with thousands of credit union employees and volunteers worldwide. In addition to working with a number of credit union leagues, he has also served as an instructor for CUNA's Advanced Lending School. Rex created the first hands-on, interactive lending school for credit union professionals - The University of Lending. He is the driving force behind LSCI's commitment to helping credit unions become leaders in consumer lending. Rex received a master's degree from Northwestern University. He was also the Illinois Credit Union Executive of the year in 1986 and elected into the Illinois Credit Union Hall of Fame in April 2000 and into CUES Hall of Fame in November 2000.

Prior to joining LSCI, Randy was the President/CEO of Florida State University Credit Union in Tallahassee, Florida for ten years. Prior to that, he spent ten years with credit unions in Florida and Tennessee, having started as a part time drive-thru teller while attending college. Actually, he has spent his entire life involved with credit unions, as his father was President/CEO of K25 Federal Credit Union in Tennessee for almost thirty years. With that, he brings a passion for the credit union philosophy, while challenging you to go above and beyond to achieve greatness. His credit union, under his leadership, created an innovative and successful sales culture and incentive program. In 2002, his credit union achieved 10 times their peer group in loan growth (with no mortgages!), and his senior management team earned a 67% incentive bonus, while the credit union reached record levels of profitability. He believes firmly in the pay for performance, and has the track record to back it up. He also believes in training and setting your employees up to succeed in sales. His plan has been reviewed by internal auditors, external auditors, and state and NCUA regulators over the last six years. So when choosing who and how to develop such a program, doesn't it make sense to learn from someone who's actually demonstrated his ability rather than from someone who merely has good concepts? Randy will energize you, your staff and your Board of Directors along the path to achieve goals you could never before dream of. Randy has earned his Certified Credit Union executive designation, along with a Bachelors degree in Human Resource Management from Palm Beach Atlantic University, and a Master's of Business Administration degree from Nova Southeastern University. You and your credit union will never be the same!

To talk with Randy further on implementing a sales culture and incentive programs, please visit our Contact Us page and click on the appropriate check box
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Karin Brown
Vice President, Collections

Karin joined the LSCI team in February of 2006 and comes to us with 29 years of collection and fraud management experience. Prior to joining LSCI Karin worked for three of the nation's larger credit unions, Baxter, Alliant (formerly known as United Airlines Credit Union) and most recently VyStar Credit Union (formerly known as Jax Navy FCU). Through her innovative and common sense approach to collections Karin was able to achieve world class results in all three organizations; leading her peers in delinquency and charge off results. As vice president of collections for VyStar Credit Union in Florida, Karin lowered the organization's delinquency rate by 30 percent within the first eight months of her tenure. Under her leadership at Alliant Credit Union in Chicago, the nation's sixth largest credit union, the institution was ranked sixth nationally in December 2004 for the lowest delinquency rate among the top 25 credit unions. Additionally, Karin established the collection department for the $650 million Baxter Credit Union in Illinois, achieving delinquency results of .28 percent.

Karin's responsibilities at LSCI will encompass onsite collections consulting and portfolio analysis. Karin will also do customized evaluations of collections methods, operations and lending policies, will identify deficiencies, strengths and opportunities in your collections operations. To talk with Karin further or to discuss your individual collections department please please visit our Contact Us page and click on the appropriate check box

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Frank Gazeley, Jr.
Vice President Technology Consulting

Prior to joing LSCI, Frank was Vice President of Business Development for IA Systems. During his nine year tenure at IA Systems Inc., he also held the position of Director of Sales and Marketing were sales growth had consistently increased by more than 40% each year. He was responsible for product management and played an integral role in the creation of several new software products including "StreamLend Velocity" a next generation loan origination software solution. As Vice President of Business Development, he provided the vision for "The Lending Landscape" where he focused on developing and managing strategic business relationships that delivered innovative products and services that assisted financial institutions in streamlining their lending processes.

With over 20 years experience in the financial services software industry he has worked with hundreds of credit unions including 20 of the top 100 credit unions in the nation. Frank has been a frequent presenter at industry events (NAFCU, Massachuesetts Bankers Association, NY Credit Union League) he has also been published in several industry related publications including Credit Union Times, Credit Union Management, CUES. Frank actively serves on the Supervisory Committee for Capital Communication Federal Credit Union with over 600 million in assets located in Albany, NY. Frank is an active member of several professional and community organizations. He is a graduate of the 2005 Capital Leadership class, sponsored by the Albany-Colonie Regional Chamber of Commerce. He was past President and Board Member of the Sales and Marketing Executives of Eastern New York. In his community, Frank is an ambassador for Hope House, a nonprofit organization, and a volunteer fireman in West Sand Lake, NY.

To talk with Frank further or to discuss your individual credit union's technology needs, please visit our Contact Us page and click on the appropriate check box.

The second employee to join LSCI, Marsha came aboard in October 1995. Through her years with the company Marsha has been an integral part in the development and on-going management of the University of Lending. In her current positions Marsha oversees all operations within LSCI and continues to be a key contact for Rex Johnson's consulting. Prior to joining LSCI Marsha held positions as Manager, Professional Training and Manager, Human Resources for Baxter Credit Union. Marsha attended Depaul University in Chicago, Illinois.

For more information regarding Rex's availability or any of LSCI's products/services Marsha can be contacted at 800-937-4249 x.3203 or please visit our Contact Us page and click on the appropriate check box


Lorrie Wohlfeil
Business Analyst

Lorrie is one of the most senior employees at LSCI having begun her career in August of 1995. As a business analyst Lorrie is primarily in charge of the Portfolio Analysis program. Lorrie also works hand in hand with our on-site consultants. Before starting the Portfolio Analysis program, Lorrie designed the highly successful training program in place at Lending Solutions, Inc. (LSI) and personally trained many of the loan underwriters at LSI. Lorrie also spent 4 years as an on-site consultant for LSI. During that time she not only educated credit unions on lending, but also trained their staff to make superior lending decisions. Lorrie graduated from the University of Kansas with a degree in Business Communications.

To get in touch with Lorrie please contact Valerie Lentz at 800-937-3276 x.3439 or please visit our Contact Us page and click on the appropriate check box

Tracy began her career with LSCI in January of 2000. As manager of professional development, Tracy oversees all aspects of the University of Lending. Additionally Tracy handles the set up of all the road Universities. Prior to working for LSCI Tracy worked in the recreation department of Walt Disney World. Tracy attended Western Illinois University in Macomb, Illinois.

For information on the University of Lending or to sign up for any of our Universities please contact Tracy at 800-937-4249 x.3386 or please visit our Contact Us page and click on the appropriate check box

Valerie began her career with LSCI in October 1997. As a manager of professional training her main focus is Reflection Training and Mystery Shop calls. Valerie trains credit union's frontline staff with high level of member contact over the phone or in person on risk-based pricing, score enhancement, decision-making, sales skills, and service standards. She also makes mystery shop calls to credit unions to test their service and sales culture (i.e. proper introduction, creating a sense of urgency, explaining the FICO score to member, etc). Prior to working with frontline staff, Valerie worked with LSI as the manager of training. Valerie graduated from Concordia University with a degree in Sociology.

To gain further information on Reflection Training and Mystery Shopping, please contact Valerie at 800-937-4249 x.3439 or please visit our Contact Us page and click on the appropriate check box

David has been with LSCI since January of 2003. As Manager of Business Development David oversees the marketing and sales of LSCI, specifically Rex Johnson's University of Lending, Portfolio Analysis, Reflection Training, and www.rexcuadvice.com. Prior to joining the LSCI team David was an Executive Account Manager for CDW Computer Centers in Vernon Hills, IL. David graduated from the University of Illinois in 2000 with a degree in Business Administration/Marketing.

To gain further information on any of LSCI's products, including how to purchase advertising space on this website or any other questions on this website please contact David at 800-937-4249 x.3276 or please visit our Contact Us page and click on the appropriate check box

Stephanie began her career with Lending Solutions Consulting, Inc. in September 2004. As the Marketing Representative/Graphic Designer, Stephanie oversees all aspects of creating new and exciting graphic designs with an aesthetic appeal to market LSCI's products and marketing pieces. With her extensive experience and strong background in various art forms, Stephanie brings a high degree of commitment and artistic oversight to the projects completed for LSCI. In addition, she also makes mystery shop calls to credit unions to test their service and sales culture. Stephanie attended Grand View College in Des Moines, Iowa, with a degree in Graphic Communications/Advertising.

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