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Chief Credit Officer, Managing Director Resume Example

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CHIEF CREDIT OFFICER, MANAGING DIRECTOR
Executive Profile
Played leading role in establishing Allegiant Partners as an ethical and well-run finance company, instilling a culture of focus and innovation-during times of rapid growth, margin compression, recession, and recovery. Trained and led Allegiant's underwriting group, booking $260 million while improving booking ratios, controlling credit exposures and reducing costs. Focused teams on competing by providing superior customer care. Launched new programs and processes, increasing repeat business by 82% while driving delinquencies and charge-offs down to <0.4%. owned="" policies="" and="" procedures="" for="" credit,="" collections,="" and="" customer="" service.="" developed="" and="" managed="" credit,="" collections="" and="" customer="" service="" professionals,="" creating="" a="" scalable="" cross="" functional="" platform="" for="" growth="" and="" propelling="" allegiant="" to="" achieve="" results="" beyond="" expectations="" and="" projections.="" led="" operations="" that="" grew="" managed="" assets="" from="" $10m="" to="" $750m="" for="" trinity="" capital="" corporation="" while="" developing="" a="" successful="" portfolio="" servicing="" business="" that="" generated="" substantial="" fee="" income.="">
Skill Highlights
  • Commercial Credit Executive
  • Underwriting | Portfolio Management | Client Relations
  • Early-Stage, High-Growth and Transformational Environments
  • Dynamic, top-performing leader with a stellar track record of driving high-growth B2B finance companies serving small to large businesses across many industries. Expertise in originating and underwriting nationwide portfolios of loans and leases-consistently outperforming industry peers- through periods of accelerating growth, economic challenge, high competition and regulatory burden. Flexible and innovative with ability to anticipate and adapt to changes in market conditions. Energetic manager and relentless problem solver with a strong commitment to collaborative team performance and client success.
  • Leadership Skills & Qualifications
  • Underwriting, Structuring & Rating
  • Client Development & Relations
  • Risk Management & Collections
  • Loans, Leases & Other Products
  • Contract Negotiations & Legal
  • Asset Evaluations & Remarketing
  • Credit Policies, Processes & Training
  • Strategic Planning, Goals & Metrics
  • Data Capture, Analysis, Reporting
  • Cross-Functional Team Leadership
  • Portfolio Due Diligence, Acquisitions
  • Compliance, Audits & Budgets
Professional Experience
Chief Credit Officer, Managing Director
January 1999 to November 2014Allegiant Partners Inc － San Rafael, CA
  • Independent commercial finance company founded in 1998 providing equipment & project financing in the U.S.
  • Brought in to build the credit, collections, customer service and sales operations.
  • Joined with partner to develop business plans, access capital and acquire bank lines.
  • Hired & managed personnel, installed processes & systems, led underwriting and grew revenues.
  • Fostered relationships and negotiated with preferred clients, banks, brokers, vendors, attorneys and others.
  • Owned portfolio performance.
  • Led and managed 2-10 direct reports.
  • Active Board Member.
  • Drove exceptional vintage static pool loss results by underwriting smart "common sense" approvals- resulting in expanded bank lines for Allegiant along with lower cost of funds and improved loan covenants.
  • Also achieved lower loan loss reserve contributions and new successful rounds of private debt and equity.
  • Built a fresh credit platform that doubled the volume of high-quality, prime and near-prime loan originations-processed without adding staff-forging a unique collaboration between credit and sales groups.
  • Led increase in EBTDA - up 54% from 2012 to 2013 - while managing account quality and risk to produce delinquency performance comparable to the "A grade credits" of a strong bank portfolio- but with higher margins.
  • Reduced delinquencies from 22% to 4.6% within 4 months on a $13M deeply discounted purchased portfolio of document-deficient leases, turning around the performance and substantially increasing returns.
  • Evaluated and championed board decisions regarding growth strategies, business transformation, portfolio purchases, mergers and acquisitions, joint ventures, capital investments and budgets.
  • Earned recognition for expertise and knowledge of underwriting SME loans & leases, UCC law, compliance rules, risk management, contract negotiations, and the structuring & servicing of complex transactions.
  • Ben Carlile.
Vice President of Credit Administration
January 1988 to January 1999Trinity Capital Corporation － San Francisco, CA
  • Hired as Credit Manager to improve credit underwriting, drive efficiency and turn around an underperforming commercial portfolio of loans, leases and receivables.
  • Quickly promoted to VP to lead credit, collections and customer service operations.
  • Trained and managed a team of >25 FTE.
  • Owned performance for various portfolios totaling up to $750M.
  • Drove operations that grew AUM from $10M to $750M by establishing Trinity's reputation for underwriting excellence and superior customer service.
  • Leveraged strong performance to launch a successful portfolio servicing business that generated >$5M in annual fee income- from corporate clients such as Steelcase furniture, Tandem computers & software, NEC business equipment, Octel voice mail systems, Wells Fargo and others.
  • Underwrote more than $300 million in commercial leases and loans, by establishing sound credit and collection processes, and training credit, collections, and customer service personnel.
  • Achieved consistent static pool losses of under 1%.
  • Owned, monitored and reported portfolio performance.
  • Played an integral role in helping to establish a strong, well-managed company, modeling leadership behaviors and a commitment to an exceptional company culture of achievement.
  • Produced growth, performance and compliance results that led to Trinity's successful acquisition by Bank of the West.
  • Previous Career Assignments.
Assistant Vice President
January 1986 to January 1988Bank of America － San Francisco, CA
Assistant Manager
January 1984 to January 1986CIT, Portland, Sacramento, San Mateo
Education
Bachelor of Science
B.S : EconomicsWillamette University － Salem, OREconomics
Professional Affiliations
Member-Equipment Lease and Finance Association (ELFA) Organizing Member & Presenter-ELFA Credit & Collections Conference (2013 - 2015) Leasing News Advisory Board - (Since November, 2014) Community Board Member / President-Novato Charter School (Public K-8, 2008 - 2011)
Skills
Acquisitions, B2B, Budgets, develop business, Contract Negotiations, Credit, Client, clients, Client Relations, customer service, driving, Due Diligence, equity, finance, financing, Functional, funds, investments, leadership, Team Leadership, Leadership Skills, law, Legal, managing, market, mergers and acquisitions, access, modeling, NEC, personnel, Policies, prime, problem solver, Processes, quality, Reporting, Risk Management, sales, sound, Strategic Planning, Tandem, UCC, Underwriting, unique, voice mail
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Resume Overview

Companies Worked For:

  • Allegiant Partners Inc
  • Trinity Capital Corporation
  • Bank of America
  • CIT, Portland, Sacramento, San Mateo

School Attended

  • Willamette University

Job Titles Held:

  • Chief Credit Officer, Managing Director
  • Vice President of Credit Administration
  • Assistant Vice President
  • Assistant Manager

Degrees

  • Bachelor of Science
    B.S : Economics

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