Experience

• 

  Commercial Credit Group Inc.

  • United States
  • Financial Services
  • 200 - 300 Employee

  • Senior Vice President

    • May 2024 - Present

    Responsible for managing and growing a nationwide sales team and a portfolio of equipment loans to private companies involved in waste management.

  • Operations Manager

    • Nov 2019 - May 2024

    Oversee the credit, collection and documentation departments of our Charlotte headquarters.

  • Credit Manager

    • Feb 2018 - Nov 2019

• 

  BofI Federal Bank

  • Greater San Diego Area

  • FVP - Internal Asset Review Manager

    • 2016 - 2017
    • Greater San Diego Area

    Performed independent loan and process reviews and generated summary reports to inform the Board of Directors and Senior Management of overall credit risk and adequacy of credit risk processes. Provided guidance and assistance to junior members of the Internal Asset Review team and other bank lending staff.Business units included C&I (Bridge, Lender Finance, SNC, and Equipment Finance), Single Family Residential, Multifamily and Commercial Real Estate.

• 

  Citi

  • USA, South Africa, Indonesia

  • Director - Credit Underwriting, Portfolio Management, and Remedial/Collections

    • 2002 - 2014
    • USA, South Africa, Indonesia

    Director - Remedial Team Manager, Dallas• Responsible for portfolio of 200 relationships in excess of $250MM in loans (2013-2014).• Developed and implemented workout strategies for Commercial Banking and Commercial Real Estate Finance customers with exposures typically between $250M and $5MM with occasional exposures ranging up to $10M• Interacted directly with the Obligors to obtain financial statements and negotiate remediation strategies.Director - Commercial Banking Risk Head, Jakarta, Indonesia • Brought in to rebuild the Risk team as the credit program was stopped in 2009 due to large losses.• Changed the culture from one of a remedial focus to a growth mode.• Managed portfolio growth from $150MM to $400MM in three years (2010-2013).SVP - Team Leader Underwriting and Portfolio Management, Dallas• Managed a team of six Credit Officers overseeing a portfolio of 280 customers with total facilities of $650MM.• Responsible for underwriting new loans and increases for existing customers with credit facilities ranging from $1MM to $10MM.• Granted Senior Credit Officer approval authority in September 2007 ($15MM lending authority).VP - Commercial Bank Risk Manager, Johannesburg, South Africa• Negotiated settlement agreements and loan workouts.• Exceeded Cost of Credit plan by $10MM in 2005 (net recovery was <$2MM> against plan of $8MM). • Exceeded Cost of Credit plan by $4MM in 2006 (net recovery was <$3MM> against plan of $1MM). VP - Credit Manager, Atlanta• Responsible for credit underwriting and approval recommendations for new and existing customers. • Relationship management for clients in my portfolio including in-person customer calls.• Managed portfolio of 3,000 customers with loans outstanding of $1 Billion (2002-2004).

• 

  Paccar Financial Corp

  • Greater Atlanta Area

  • Fleet Credit Manager

    • 1997 - 2002
    • Greater Atlanta Area

    Prepared credit underwriting analysis and approval recommendations on loan proposals over $1 million. • Approve or decline transactions up to $1 million. • Relationship management for clients in my portfolio including in-person customer calls.• Responsible for maintaining satisfactory portfolio quality via early problem recognition and collections of past due accounts.

• 

  ORIX USA Corporation

  • Greater Atlanta Area

  • Various credit positions over 9 years

    • 1988 - 1997
    • Greater Atlanta Area

    Extensive experience with all aspects of Equipment Finance lending in the transportation, construction, logging, and machine tool industries for small and medium enterprises. • Areas of responsibility included: Accounting, Credit Underwriting, Collections, Litigation, Documentation, Insurance, and Human Resource departments.