Experience

• 

  Merrimack County Savings Bank

  • VP, Commecial Portfolio Loan Officer

    • Nov 2022 - Present

    Commercial Lending

• 

  Merchants Fleet

  • United States
  • Financial Services
  • 700 & Above Employee

  • Assistant Director, Commercial Credit

    • Jan 2020 - Dec 2022

  • Assistant Director, Commercial Credit

    • Jan 2020 - Dec 2022

  • Credit Manager

    • Sep 2017 - Jan 2020

    Merchants Fleet is the 8th largest fleet management company nationally.Merchants provides clients with the most high-touch service and innovative experience across the industry, for fleets from one vehicle to over 5,000 with flexibility terms from three months to seven years.Merchants unique technology platforms coupled with specialized fleet teams provide the most comprehensive FleetTech solutions to drive proven results. Find out more at merchantsfleet.com

  • Senior Commercial Credit Analyst

    • May 2014 - Sep 2017

• 

  TD

  • VP - Senior Portfolio Manager, Dealer Commercial Services

    • Dec 2009 - Oct 2013

    • Responsible for managing the Dealer Commercial Services loan portfolio, products and processes. • Products include dealer floorplan loans (inventory finance for new car dealerships); commercial real estate mortgages; term loans and revolving lines of credit. • Responsibilities included overseeing and participating in new loan development; deal structuring; the credit decision process; wholesale operations; inventory audits; loan administration activities and commercial loan closings. • Interact directly with Dealer Principals, Comptrollers and Senior Management on a daily basis. • Helped maintain annual portfolio growth in excess of 30%, while maintaining zero delinquency. • Assembled and oversaw a staff of 14.

  • AVP - Dealer Floorplan Credit Manager

    • Sep 2005 - Dec 2009

    • Established the Dealer Commercial Services Department for TD Bank in conjunction with the Dealer Floorplan Manager. • Instrumental in developing floorplan policies and procedures for Underwriting; Risk Rating; Auditing; SOT; and Acquisitions. • Implemented floorplan wholesale platform (DataScan), and subsequently managed wholesale operations and underwriting. • Built a $150 Million portfolio, maintaining zero losses in a particularly strenuous time in the auto industry.

• 

  GMAC

  • Senior Portfolio Manager

    • Nov 1999 - Apr 2004

    • Responsible for overseeing, developing and providing guidance to a group of up to four Commercial Lending Portfolio Managers while maintaining a portfolio of major accounts.• Established commercial credit lines (including floor plan lines of credit, revolving lines of credit, equipment loans, term loans and real estate loans).• Developed and maintained dealer relationships. • Analyzed financial trends and monitored risk and exposure through proactive risk management for a $235 million portfolio of dealerships. • Key liaison to local counsel for a loan workout that eventually turned into a Chapter 11 bankruptcy, ensuing Chapter 7 liquidation and subsequent litigation.

  • Commercial Lending Analyst

    • Feb 1997 - Nov 1999

    • Responsible for establishing commercial credit lines for dealerships, monitoring the individual risk and exposure associated with each dealership and establishing succinct plans and courses of action to maintain acceptable levels of risk and exposure.• Responsibilities included analyzing periodic financial statements, reviewing audit results and monitoring sales, financial and wholesale trends.

  • Wholesale Credit Analyst

    • Dec 1995 - Feb 1997

    • Responsible for the wholesale floorplans of 55 dealerships representing over $150 Million. • Coordinated and scheduled the auditing of dealership inventories and sales data.• Reviewed audit results striving to minimize risk and exposure. • Liquidated several dealer inventories after out of trust situations were discovered.

• 

  GMAC

  • Customer Relations Supervisor

    • Jun 1992 - Dec 1994

    • Oversaw the collection and customer service departments supervising 16 employees. • Coordinated efforts to control delinquency and to provide unparalleled customer service.

  • Acquisition Supervisor

    • Oct 1991 - Jun 1992

    • Responsible for handling the retail acquisitions (auto loan approvals) for approximately 50 dealerships. • Dealt directly with the finance managers of the dealerships making credit decisions on consumer auto loans.• Oversaw the processing and purchasing of retail contracts.

  • Salaried Employee in Training Program

    • Nov 1990 - Oct 1991

    • Specialized training program aimed at developing the employee for supervisory positions. • The program provided the opportunity to learn Retail Acquisitions (Consumer Lending), Commercial Lending, Sales, Wholesale Credit Analysis, Customer Relations and Collection Supervision.

  • Account Representative

    • Jun 1988 - Nov 1990

    • Responsible for phone and field collections (including repossessions) of retail automotive accounts.• Completed wholesale inventory audits of dealership floorplan accounts.