Industry leader in automotive indirect/direct lending/sales/process management/development looking for an opportunity with a growing organization where my skills and experience can be an asset knowledge in the varied segments of indirect/direct lending prime, near prime, subprime along with customer service within large organizations plus leadership skills to create engagement with the team to drive success and driven for success on a personal and professional basis.

Professional Experience

Confidential

Area Manager

Branch manager for the Cincinnati Region office. Develop a profitable origination process underwriting and funding that also meets compliance requirements plus work/devlop the sales team to create growth within the market Manage results not only to create volume growth but ensure that quality and pricing of originations allow for maximum profitability Work with the team on developing personal goals and objectives and provide reporting that allows them to track individual/branch results .Work in concurrence with the sales team along with corporate sales management that allows for a seamless integration of sales and credit for the dealers Effectively communicate corporate and department objectives on a regular basis, motivate and create a positive working environment to achieve productivity and performance standards.

Sr. Credit Manager

Support dealerships in the Cleveland, Akron and Toledo Ohio markets for near/subprime originations underwriting, sales and funding create organic growth along with development of new relationships using ROE analysis along with application scorecard characteristics review credit application to determine viability for approval working with the sales team develop on boarding processes based on the dealers needs to ensure success work with dealers to gain insight how our program fits their needs by meeting with dealership management work with funding/dealers to resolve any issues that prevent boarding the loan track results that include loan originations, approval rates, capture, conversion, Risk Adjusted Yield and losses

Confidential

Consultant

Support prior and current prospective customers in the purchase or lease of a new/used vehicle. Review the Ford or used car product with the customer ensuring understanding of all vehicle features along with determine customer's ability for purchase and repayment. Work with management and finance to gather options and present the various financial options to the customer.

Confidential

Business Center Manager

Responsible for providing leadership and management of collections, credit, operations, and sales activities within the Region while coordinating with Matrix Management to define, implement, and adhere to all Wells Fargo Dealer Services standard operating procedures. Monitors work flow to ensure budgeted goals are met volume, G A expenses, delinquency, charge offs, headcount, return on capital in the region, provides leadership, guidance, direction, training, coaching, succession planning to associates in the region, ensures compliance and understanding of policies and procedures, state and federal regulations. Communicate information through weekly and monthly associate meetings, hires, trains, rewards and focuses on associate succession planning and team development to include preparing development plans, administering coaching, disciplinary actions, and terminations as needed. Effectively communicates corporate and department objectives on a regular basis, motivates and creates a positive working environment to achieve productivity and performance standards.

Confidential

Manage the day-to-day operations of the Regional Center Credit Department. Accountable for supporting our 360 dealers in the Ohio market and meet monthly, quarter and annual origination and net income goals. Goals for 2005 were to generate 130MM in new business, maintain an interest spread of 7.00 and conversion of 18.86 we accomplished 100 of volume, first time since 2000, 96 of spread and 100 of conversion . Developed comprehensive reporting to be used by credit and sales in the support of our day-to-day business relating to our internal success and dealers. Manage five credit analysts and ensure their development within the office and company. Also, interact with the sales team to create unity among both credit and sales towards the goals while providing the highest level of service to our dealer body.

Confidential

Manage the day-to-day activities of the Regional Collection Center. Accountable for obtaining corporate goals in delinquency, charge off and repossessions plus ensure to the adhering of various Federal and State Regulations on a 237MM portfolio. Interface with corporate departments to provide status reports and participate on various advisory boards for continual process improvement. Developed work schedules, monthly and yearly, to maximize effectiveness/utilization within the center. Developed reporting to track the effectiveness of our outside vendors to ensure the highest level of service at the lowest cost possible.

Confidential

Acted as process champion for the purpose of continually reviewing and developing methodology and practices to increase efficiencies. As process champion for Project Renaissance, interacted with various departments in the development of the new organizational structure, including three new customer service centers. Involvement included human resources, facility design, telecommunications, CRM, technology and training. Manage various project groups to ensure that all requirements are being defined and project timelines are met. Work with various third party vendors in the development of outsourcing processes.

Confidential

Acted as process champion for the purpose of continually reviewing and developing methodology and practices to increase efficiencies. The methodology to include utilization of mapping tools to identify all activities associated with the process and assigns a cost to those activities. Re-designed the associated process with focus on efficiency and profitability, which also includes developing, measures for the purpose of monitoring performance and effectiveness of the process.

Confidential

Developed and managed the operations of the TFS Customer Service department ensuring that the operational goals, including service level and call monitoring, are met. Lead in the development of both technical and operational improvements through the promotion of open communications and assigning projects that will have an impact on the level of customer service that the center provides. Assisted in the development of the training necessary to provide the highest quality of customer service and ensure that the associates have the operational understanding to answer various questions from dealers or customers. Oversaw the development of a web-based training program to allow associates to continue their training and become certified in customer service. Involved in analyzing and projecting headcount requirements to support over 250,000 calls per month. Project leader for the TFSC as it relates to Internet Customer Service and e-Commerce. Worked with TFS Operations and the dealer councils to ensure that the service we are providing supports the direction of the company. Take customer service calls as necessary where the customer wishes to talk to executive management. Manage a staff of over 200 associates.

Confidential

Acted on behalf of TFS Operations Department in the initiation, research, development and implementation of special projects to enhance existing TFS policies, procedures, programs, and systems. Ensured that the processes/enhancements developed not only meet the corporate objective but also maximize the field operations day-to-day responsibilities. Some projects/processes that were developed/implemented under my leadership were the Retail and Lease Billing Statements, Automated Application Decision Callback, an Integrated Voice Response System, and Behavioral Scoring.

Confidential

Coordinated the design and development of automated data processing systems that provide sufficient internal controls over the processing and recording of transactions. Aided the improvement of TFS productivity, particularly branch operations, by automating transaction processing and office routines where feasible and provide the effective and efficient delivery of timely, relevant and accurate information to management on the financial and operational results of TMCC/LFS. Researched new software programs and how they can be used at TMCC/LFS and work with various vendors to create processes that cannot be developed internally. Also, manage the Risk Management group of TFS. Some of the processes that were implemented during my management of the department were the Application Processing System APS , Application Credit Scoring, Automated Cash Disbursement System, and Inventory Tracking System for our Leasing product.