Management team for cu strategic services

JOHN E. Hayes,

With over 45 years in the financial services industry, John is an experienced professional with a demonstrated record of proactively identifying challenges and opportunities and then initiating action to create successful solutions. He is able to recognize and quantify potential opportunities and challenges, evaluate options and their outcomes, and determine the most appropriate course of action. 

John has knowledge of and practical experience in business lending and commercial real estate having personally originated commercial loans and managed numerous commercial loan officers. Previously, he was a Chief Lending Officer at Pioneer Bank and Executive Vice President/Chief Operations Officer at the United States Senate FCU. John’s professional affiliations include MACUMA – Chairman, Mortgage Bankers Associations – Past President, Risk Management Association – Member, Community Loan Fund – Member, Community Loan Corporation (CPC/CLC) – Loan Committee Member.

Crystal Dowd,
Chief Credit Officer
Operations Manager

Astrid has 14 years of experience in the financial services industry including 8 years in the Member Business lending field. Before joining CU Strategic Services LLC, Astrid was employed as Junior Auditor and Business Lending Credit Analyst at a $900M Credit Union in Upstate New York.

Astrid holds an Associate Degree in International Business and a Master's Degree in Management of Small and Medium Enterprises.

Crystal has 20+ years of commercial lending experience and has successfully managed and directed individual commercial lending departments as well as regional commercial lending operations supporting $75MM to $250MM portfolios in both credit union and banking industries. Her experience encompasses commercial credit underwriting, commercial loan administration, and commercial lending training and development. Crystal's roles throughout her career provide her with the hands-on tools needed to successfully guide all aspects of commercial lending operations. In addition, Crystal has spent a vast amount of time training and mentoring other credit union professionals in all aspects of commercial lending and imparting her knowledge at Credit Union National Association professional training events.