ÂÜÀòÂÒÂ×

Joe Kozinski has over 20 years of experience in the financial industry. Joe currently holds the position of Senior Vice President of Consumer Lending at Landmark Credit Union since March 2022.

Prior to this, Joe served as the Chief Credit Officer at Time Investment Company from March 2021 to March 2022.

From November 2014 to March 2021, Joe held the role of Vice President Consumer Credit Officer at Wells Fargo. In this position, they were responsible for assessing, developing, and implementing strategies to improve risk management practices and ensure consistency across consumer credit.

Before joining Wells Fargo, Joe worked at Associated Bank as the Senior Vice President, Consumer Credit Risk Manager from May 2011 to November 2014. In this role, they developed risk management reporting structures, improved reporting consistency, and chaired the Consumer Credit Risk Management Committee.

From September 2000 to May 2011, Joe was with BMO Harris Bank as a Senior Vice President, Consumer Credit Risk Manager. Joe played a significant role in portfolio management, business strategy, policy development, and asset disposition across multiple lines of business.

Joe's career started at Bank One, where they worked as a Credit Manager from January 1999 to August 2000.

Overall, Joe Kozinski has a strong background in consumer credit risk management, risk assessment, policy development, and strategic leadership within the financial industry.

Joe Kozinski earned a Master's degree in Economics from the University of Wisconsin-Milwaukee from 1987 to 1993.