Ray Shams

Chief Lending Officer

San Francisco Federal Credit Union

Ray Shams is the chief lending officer of San Francisco Federal Credit Union. He brings to the credit union over 30 years of lending and risk management experience. Ray joined the credit union in 2017 to develop, manage and provide oversight for all consumer, residential and member business lending programs.

Prior to joining San Francisco Federal Credit Union, he was the chief operating officer at Xceed Financial and the chief credit officer at Financial Partners, both $1 billion+ financial institutions. Ray holds a masters of business administration from University of La Verne.