Our Experience

is Your Asset

Company Overview

Extensia is the nation’s largest Credit Union Service Organization focused on member business lending and serving as a strategic advisor to hundreds of credit unions nationwide. Extensia partners with credit unions to diversify their lending portfolios, connecting credit unions with their communities, business owners and investors through commercial real estate financing programs, small business loans and risk consulting services. Extensia services approximately $750 million in commercial real estate and small business loans. Extensia is headquartered in greater Los Angeles.

CEO Letter

Dear Valued Clients, Partners and Friends,

Our rebranding as Extensia reflects the value of what we do: We act as an ‘extension’ of our credit union clients by partnering with them to enhance, expand and align their lending programs to better serve their members and communities.

Extending opportunities

Our new ownership, leadership and staff are dedicated to delivering unparalleled service and expertise that extend the capabilities of our clients. Credit unions play a critical role in providing capital to their members, and crucial support that benefits entire communities or the SEGs they serve. At the same time, like all financial institutions, credit unions are seeking new ways to deploy capital and generate greater yields. As a valued, trusted partner to credit unions nationwide, we provide innovative solutions that directly address their needs.

Extensia is the nation’s largest Credit Union Service Organization dedicated to member business lending and advisory services, with specific emphasis in commercial real estate and business lending. We offer an unmatched combination of deep industry experience, products and services customized for each client, longstanding relationships with key industry participants, and a culture of continuous innovation. Serving hundreds of credit unions nationwide, we help our clients make astute commercial loan participation and business lending decisions that are aligned with each credit union’s unique risk parameters and strategic needs.

Extending our offerings

At Extensia, we understand that every credit union has a unique lending vision and specific challenges and we are dedicated to providing the right solution for each client and situation. Our approach is to meet with our clients and listen to their needs and business objectives and identify areas of opportunity that help them achieve their goals and make sense for their members and communities. We work together to find the right solutions that align with our clients’ risk appetite, lending experience and capabilities, and strategic vision. Over the course of the year, we plan to sponsor key events to expand the dialog on the subjects of member business and commercial real estate lending, and hold a Commercial Real Estate Risk Summit in the fourth quarter of 2015.

The Extensia approach has been expanded to serve our customers through three primary product categories – Extensia Lending Services, Extensia Risk Services and Extensia Strategic Services.

The Extensia difference

Extensia seeks to set the pace for our industry as one of the most diverse and capable providers in the U.S. We deploy our experience, expertise and capabilities to better align our clients with the right lending opportunities – and we structure projects to benefit all stakeholders. This is the Extensia difference. It’s what makes us uniquely qualified and proud to serve you and credit unions throughout the nation.

To learn more about our services, please contact me or one of our leaders. We’d love to hear from you!

Thank you for your support and wishing you success in 2015,

Pam Easley, President and Chief Executive Officer

Pam Easley
President and Chief Executive Officer
Extensia Financial LLC


When it comes to putting together the right deals, experience is essential. At Extensia, you’ll find seasoned professionals who come from the world of credit unions, commercial finance, real estate development, legal and regulatory fields. This unprecedented combination of expertise also makes us uniquely qualified to bring together the various stakeholders, identify the right deals, and execute in a timely manner.

Extensia financial’s managing partnership

Partnering is not only the way we approach serving our customers, but the way we work together as an effective ownership group and leadership team. Three credit unions have primary ownership in the Extensia Financial. These are: Public Services Credit Union from Denver, Colorado; Farmers’ Insurance Group Federal Credit Union of Los Angeles, California; and, Great Lakes Credit Union of North Chicago, Illinois. Our three managing partners, all experienced credit union CEOs, leverage their unique backgrounds to provide insights to our leadership that are unparalleled. They continually demonstrate their commitment to our strategic direction supporting the CEO and her team to ensure success. They are:

Vikki Kaiser
Chairman of the Board and Managing Partner
As President and Chief Executive Officer of Great Lakes Credit Union ($640MM in assets), Vikki brings to the Extensia managing partner team over 40 years of progressive experience in the credit union industry with proven abilities in strategic planning, mergers and acquisitions, fiscal analysis and financial management. Since taking the helm at Great Lakes Credit Union, she has been focused on the growth of her credit union expanding products and services throughout the Northern Illinois region earning the distinction of being the preeminent credit union for youth financial education in local area schools, and led her credit union toward earning multiple awards for Social Responsibility. Vikki serves in numerous women’s leadership organizations in the industry. She earned an Associate’s degree in credit management from Northeastern Wisconsin Technical College, and holds the designation of Certified Chief Executive.

Mark Herter
Vice Chairman of the Board and Managing Partner
Currently the President and Chief Executive Officer of Farmers Insurance Group Federal Credit Union ($650MM assets) since 1996, Mark joined the Extensia board in November 2012, bringing over 35 years’ experience to our board not only as a credit union executive but as a former examiner for the National Credit Union Administration (NCUA). Mark leverages his unique background and insights to the Extensia Financial managing partner team.

Mark was recognized in the Los Angeles Business Journal’s list of “Who’s Who in Los Angeles Business” in 2015 and 2014 as well as the “Who’s Who in Banking & Financing” in 2013. He is quoted in the Los Angeles Times discussing the benefits of credit unions providing loans to small businesses as well as the 2013 Catalyst Corporate’s quarterly survey, which measures CEO confidence in the economy. Mark serves a valuable role with the Farmers Family Fund efforts, a program designed to provide relief to Farmers employees and their families who are victims of disasters or who have encountered a severe financial hardship. He is also a member of the Credit Union National Association, the largest trade association in the U.S. serving America’s nearly 7,000 credit unions. Mark has an AB in Political Science from the University of Missouri – Columbia.

Todd Marksberry
Managing Partner
Todd Marksberry is our newest managing partner. He became the President and CEO of Denver-based Public Service Credit Union June 1, 2015. PSCU serves over 172,000 members throughout Colorado, and has over $1.6 Billion in assets.

Todd is a seasoned executive with a strong track record of Strategic Leadership and Vision, Innovation, Community and Business Development, Public Speaking and Communication, Enterprise Change Management, and Sustainable Business Growth. Prior to joining the PSCU team, Todd was a senior executive for SavvyMoney, a VC-backed company based in San Francisco that provided online Credit Score, Loan Revenue, Debt Management and Personal Financial Management solutions to financial institutions nationwide.

Todd also spent 16 years with Delta Community Credit Union in Atlanta, Georgia, serving as Executing Vice President and COO. At Delta Community, Todd was responsible for leading the organization’s Executive Leadership, Community Development, Business Development, Government Relations and Advocacy, Marketing and Media Relations, Strategic Planning, Research, Project Management, Human Resources, Mortgage Lending, Consumer Lending, Commercial Lending, Branch Operations, Call Center Operations, Collections, Internet and Mobile Banking, Payments, Retirement and Interment Services , and Consumer and Commercial Insurance Services teams.

Todd has been a featured speaker at national and regional financial schools and conferences on topics such as lending, financial services technology and operations. He is a graduate of Eastern Kentucky University with a B.B.A. in Marketing.

Extensia Financial’s Leadership

Experience, Innovation and the ability to Team are at the heart of the Extensia Financials executive leadership.

Our organization is led by an exceptional group of leaders hailing from the credit union, mortgage banking, commercial real estate and insurance, and legal industries who have direct experience in building, sourcing, managing and mitigating risk within commercial and business lending portfolios. They understand the business considerations and regulatory requirements in managing business and commercial loans through this direct experience. Each is dedicated to our customers’ success, and is committed toward being an important partner to our industry and within the commercial real estate profession.

Our Executive Team includes:

Pam Easley
Chief Executive Officer and President
With over 25 years of banking experience, Pam was named our leader in October 2013 and has been focused on defining our strategic path for the future while opening fresh communication within our industry.

Pam was previously CEO and President of La Habra, California – based American First Credit Union, and has earned the respect of our industry and its regulators for having the ability to guide organizations through an achievable vision. She is a unique individual who leverages her previous experience not only in the credit union industry, but as a former banking senior executive, holding varying levels of responsibility from Chief Lending Officer to Chief Risk Officer, and Chief Operating Officer and Executive Managing Director as a commercial and mortgage banker.

Prior to her banking career, Pam was a principal for Deloitte and RSM McGladrey leading regional and national practices for banks, credit unions and other financial services companies in the areas of lending, credit quality and risk management, enterprise risk management, governance risk and compliance, capital markets and strategic finance. She is a nationally recognized expert in Enterprise Risk and Credit Management. Pam is a frequent panelist and speaker on the topics of sound commercial mortgage risk management, troubled debt restructuring, strategic management and enterprise risk management appearing before the Federal Reserve, the Federal Home Loan Bank, FDIC, NCUA, NACUSO, Trigild, and the Mortgage Bankers’ Association; and has been featured in the Mortgage Banker’s Association, Credit Union Times, Credit Union Journal, CU Business, the Wall Street Journal, Bloomberg, Fortune and Treasury & Risk.

David Eberstein
Chief Financial Officer and Managing Director of Extensia Financial Services
David Eberstein has served as Chief Financial Officer since February 2014 bringing unique skills sets in the areas of Treasury Management, Strategic Finance and Accounting. Since his start with Extensia Financial, David not only actively manages investor, treasury, disclosure and accounting duties for the organization, but has committed himself toward creating an open dialog with credit union CFOs on the subject of sound portfolio management strategies through Member Business Lending. Leveraging over 25 years’ experience, these partnerships have created a unique opportunity between our industry and customers to design MBL strategies that make more sense for their unique circumstances, yield goals or promoting business lending to business members.

As a natural extension of this work, David oversees our Financial Services area for credit unions that offers compliance related reporting services to credit unions such as Annual Term Loan Review services, which offers a cost effective approach toward meeting regulatory and annual requirements. David will be responsible for actively managing the Extensia Financial Investor Network designed to keep our owners up to date on important investor events and information.

Prior to joining Extensia Financial, David was a financial analysis executive at First Entertainment Credit Union, and CFO of LA Financial and Ventura County Credit Unions. David has a unique balance of experience both in the credit union corporates, formerly serving as a consultant for the Western Corporate Federal Credit Union specializing in interest rate risk management, and as a mergers and acquisitions executive for Washington Mutual.

David holds a BS in Accounting from California State University at Northridge and a MBA from Golden Gate University.

Denise Mattice
Chief Sales and Service Officer and Managing Director of Lending Services
Denise Mattice joined the Extensia team in 2014 as the Chief Administrative Officer, and has since transitioned to a new role as Managing Director of Lending Services and Chief Sales and Service Officer. In her over 30 year career within commercial banking and the credit union industry, she has managed sales teams, operations at the regional credit union and branch level while remaining active on industry boards and organizations.

As Managing Director of Lending Services, Denise is responsible for the success of the Extensia Lending Services business with a focus in Sales and Service delivery of our brand promise ensuring there is an alignment between the credit unions’ portfolio needs and risk appetite relative to the type of commercial loans that it wishes to participate in. Denise has developed a fresher sourcing approach for our business that develops a Sourcing Plan through a Customer Service Plan customized for the MBL needs of the credit union – for those institutions that want and need such a Plan. Her responsibilities include oversight of our national salesforce and ensuring our service levels and member service surpass expectations. She additionally oversees our technology and knowledge management team.

Prior to Extensia, Denise was the Senior Vice President and Chief Administrative Officer at San Bernardino, California-based Members Business Services LLC, a credit union service organization specializing in commercial and small business lending; and was VP Branch Operations at Arrowhead Credit Union for over 13 years. For 15 years, she was a VP at CalFed Bank in operations.

Denise has a BA and MBA from the University of Phoenix. She is a 2009 graduate of Western CUNA Management School.

Dan Gushue
Chief Credit Officer
Dan Gushue joined Extensia Financial in January 2014 as Chief Credit Officer bringing a unique balance of skills as a lender and a former business development professional who understands fulfilling the needs of building a credit union commercial and business book of business balanced with sound credit quality. Dan is not only responsible for daily oversight and management of production operations within Extensia Financial but is directly responsible for monitoring and aligning our policies and procedures toward sound credit quality that aligns with financial services regulation and expectations.

As part of Dan’s responsibilities, he has been directly responsible for creating Extensia Credit Union Connect. A service line designed for credit unions that have internal business lending programs. Through Extensia Credit Union Connect, Dan works with credit unions’ business lending staff on behalf of business members’ that have commercial or business borrowing needs either through allowing Extensia Financial to be the credit unions’ cost effective production and underwriting back office for opportunities sourced by the credit union, or through working with credit unions to develop an internal MBL program that makes sense for their circumstances. Dan’s wealth of experience includes serving as Vice President of Lending at First Entertainment Credit Union, overseeing all areas of business, real estate and consumer lending. Prior to that, he served as a Vice President of Commercial Lending at CU Business Partners (our predecessor company), where he was responsible for establishing the SBA and commercial real estate lending divisions.

Earlier in his career, he worked for J.P. Morgan Chase as the head of commercial business development within the Chicagoland area. Dan holds a Bachelor’s Degree in Business Administration with minors in Finance and Real Estate from California State University, Northridge. He is a past member of the International Council of Shopping Centers and NAIOP, a commercial real estate industry organization. Mr. Gushue holds a California Real Estate Broker’s License.

Craig Page
Chief Loss Mitigation Officer and Managing Director of Extensia Risk Services
Through an over 30 year career comprising of direct experience in commercial redevelopment, commercial asset management, and commercial portfolio turnaround management, Craig leverages his experiences to be our Chief Loss Mitigation Officer, and the Managing Director of Extensia Risk Services.

Since 2011, Craig has worked directly with borrowers, participant and lender groups, and lead lenders to actively mitigate potential risks within the Extensia Financial servicing portfolio. As such, he oversees the Asset Management, Specialty Servicing, REO and Recovery departments within our organization. He developed Extensia Financial’s proprietary predictive analytical capability that provides our lenders an insight into current and potential risks that reside on each credit.

As Chief Loss Mitigation Officer, Craig’s responsibilities are to analyze and identify potential risks to our lender groups’ portfolios and to have open communication between our organization and the lender groups encouraging proactive management. His teams are comprised of seasoned commercial industry professionals whose capabilities include Asset Management, Specialty Servicing, REO management and turnarounds, Note Sales of single credits and whole portfolios, Legal Administration and being current on regulatory expectations.

As Managing Director of Extensia Risk Services, Craig’s role has evolved into being a trusted advisor to credit unions on Commercial, MBL and Small Business risk management, and through consulting to credit unions on improved risk management approaches for these portfolios. Craig will be responsible for leading Extensia Financial’s annual Risk Summit.

Prior to joining our team, Craig was a senior transaction manager at CB Richard Ellis, where he supported Washington Mutual Bank with formulating redevelopment and/or sale scenarios that would allow the bank to divest itself of under-utilized or excess real estate. He has also served in manager level positions at Countrywide and Great Western Bank responsible for leading areas in lending operations and administration.

Craig received his Bachelor of Science degree in Organizational Leadership from Biola University. He is a California licensed real estate broker.

Employment Opportunities

Extensia prides itself in the personnel we employ. Our innovative, bold, and accountable teams help make up the largest, most successful CUSO that operates in the commercial real estate and business lending arena. At Extensia, we originate, process, underwrite and service large commercial real estate loans and small business loans for the credit union industry. We offer a highly competitive loan and deposit programs for small business, working through our credit union partners around the United States. We are currently seeking highly motivated professionals to join our team.

Extensia offers a challenging and rewarding work environment where your contribution makes a difference. We offer a competitive compensation package and excellent benefits (career development, flexible spending accounts, paid holidays, medical, dental, vision, 401(k), and profit sharing).

CRE Underwriter
Regional Commercial Real Estate Loan Originator

Partner with Us

The cost of developing and supporting a commercial real estate loan program within your own organization can make growing your organic loan portfolio difficult. This is where working with Extensia offers you a distinct advantage. Using our infrastructure allows your organization to originate, underwrite, and service loans faster with minimal staff. And, we’ll help you develop policies and procedures, diversification strategies, and risk tolerances that meet your budget and regulatory requirements.

Whether you work with Extensia on one loan or your entire portfolio, you can rely on our team to exceed your expectations and help administer a plan to create loan growth for your organization.