Andrew Gardner

As the Vice President of Lending at Westerra Credit Union, Andrew Gardner brings over 15 years of extensive experience in the banking industry, with a strong emphasis on consumer and commercial lending. Having dedicated the last 13 years to Westerra, Andrew has honed his expertise in credit risk management and credit analysis, playing a pivotal role in shaping the organization's lending strategies. His leadership encompasses oversight of the Consumer Lending, Commercial Lending departments, and the Card division, where he is responsible for developing and executing strategic direction that aligns with the credit union's mission and growth objectives.

Andrew's approach to lending is characterized by a keen focus on production, pricing, and profitability across all origination channels. He employs a data-driven methodology to perform due diligence during mergers, ensuring that each transition enhances the credit union's portfolio while maintaining robust risk management practices. His proficiency in underwriting and customer relationship management (CRM) allows him to foster strong relationships with both clients and team members, driving a culture of collaboration and excellence within the organization.

In addition to his managerial responsibilities, Andrew is committed to training and mentoring the next generation of lending professionals, equipping them with the skills necessary to navigate the complexities of the banking landscape. His comprehensive understanding of mortgage lending, marketing strategies, and commercial lending dynamics positions him as a thought leader in the industry, continually seeking innovative solutions to meet the evolving needs of members and stakeholders alike. Through his strategic vision and unwavering dedication, Andrew Gardner is instrumental in advancing Westerra Credit Union's mission to provide exceptional financial services while promoting community growth and stability.