Head of Risk Management & Originations

• Dec 2020 - Present

Director of Originations/CRO

• Jun 2018 - Jan 2021

 Spearheaded our LOS prioritization, budget and implementation of enhancements (internal and external) along with all departmental expenditures, staffing and profitability concerns for our originations team  Studiously lead the creation of new analysis to progress the business. Heavier emphasis on business partnering and subject matter expertise in not only data but how the business operates.  Utilized advanced coding to create predictive and statistical models.  Drove efficiencies and optimization of our LOS and workflows that resulted in 57% decrease in origination costs.  Designed and built dashboards and data solutions for downstream partners.  Lead all internal and external audits, oversaw credit quality, originations and servicing exams including design, execution and implementation of associated remediation plans, if necessary.  Drove initiatives and worked with large and/or complex data sets to articulate and translate technical requirements to functional requirements and action items for the business.  Modeled growth and profitability plan for 2020 and beyond including all financial models and budgets  Created loan profitability tool that aided buyers in negotiation and accurately forecasted the ROE based on scorecard methodologies including gen one scorecards and subsequent generations  Revamped policies and procedures, streamlined funding processes resulting in a 30% decrease in funding times and same day funding  Created and rolled out our near prime model and program to capture upstream applicants (PLUS Program) resulted in delinquencies performing 40% below projections  Increased loan volumes in 2019 over 20% with an increase of 13% in capture rates  Ancillary product penetration 5% higher despite changing major vendors mid 2019  Identified segments of our portfolio & created scorecard enhancements and program that will reduce net losses by 34% while only cutting out 7% of volume  Reduced originations cost 25% over 2017-18 results

Assistant Vice President-National Service Center

• Jan 2012 - Jun 2018

Responsible for oversight of our National Servicing Center operations consisting of Underwriting, outside sales teams and centralized funding operations. Primary objectives are to hit established volume targets, while maintaining adequate returns on funded loans, while managing costs associated with the center. Responsible for all aspects of personnel management, strategic territory implementation, with focus on quality and efficiency improvements for a new, growing department. Over the last year the NSC has become the proving ground for multiple company initiatives. Selected Contributions:  Started NSC Initiative from scratch-grew dealer base from 0 to 550+ in a year and a half  Created performance management scorecards for associates to track and monitor performance. Improved performance tracking resulted in a 21% higher efficiency within the NSC compared to company average  Successfully hit volume and profitability targets, 113% of plan in 2012, on pace for 106% for 2013 and 131% for 2014. Portfolio is performing 18% above projections at 103% of suggested pricing.  Obtained Certified AGM Status (one of eight in the company at rollout) in November 2012 granting higher authority levels than standard profiles.  Created Underwriting Certification and training program for new Credit Managers. Promoted six people from core team into management roles.

Chief Operating Officer

• Jan 2015 - Dec 2015

Managed eight stand alone retail locations, including centeralizing back office operations, migration of new LOS and ongoing profitability of an in house financing portfolio in excess of $100 Million. Led initiatves to improve sales process and enhance profiability with development of internal scoring models and proper asset pricing and improved follow up programs. Managed eight stand alone retail locations, including centeralizing back office operations, migration of new LOS and ongoing profitability of an in house financing portfolio in excess of $100 Million. Led initiatves to improve sales process and enhance profiability with development of internal scoring models and proper asset pricing and improved follow up programs.

Sr. Manager -Dealer Risk

• Jan 2010 - Jan 2012

Responsible for a department of high visibility, complex and fragmented teams tasked with responsibility of mitigating risk from our dealer base in areas of fraud, portfolio performance, review and profitability. Areas include Dealer Portfolio Investigations, Identity Theft, Dealer Collections including loan repurchases, back end dealer recoveries and dealer reserve, high risk titles, as well as Special Operations, Dealer Agreements and Dealer Maintenance. Oversaw multiple critical business processes and managed teams in excess of 30 associates and Unit Managers. Promoted from the role of Unit Manager. Selected Contributions: Increased Fraud Recoveries and Collections over 250% in 2010 and 175% in 2011 vs. organic originations growth of 34%. Implemented process improvements which resulted in a 35% efficiency gain. Five processes nominated for Enterprise Wide Process Excellence Awards resulting in two Bronze and two Silver award winners. Revamped policies and procedures for our Investigations and Collections space and improved an “improvements suggested’ 2009 audit result into an “adequate” rating in 2010 (highest audit rating). Multiple Management awards (Q2 2011 Circle of Champions) and consistent top 25% Manager Survey results. Spearheaded Sales Force.com enhancements and eliminated over 90% of our manual processes within the department James Wood Chevrolet-James Wood Finance

Director Of Finance And Operations

• Aug 2008 - Jan 2010

Responsible for the oversight of our in house financing program with a loan portfolio that exceeds $35 Million and over 5,000 accounts in a centralized call center setting. Migrated eight stand alone locations and centralized all credit, underwriting, customer service, collection and back office teams to increase efficiencies. Selected Contributions: Designed Underwriting Department policies and procedures from the ground up, including employee manuals on the entire process. Designed in house insurance and bankruptcy departments and procedures resulting in a 60% reduction in legal expense in 2009. Served as a policy writer to expand our employee manual on our portfolio management system and to ensure ongoing compliance in our collection practices. Centralized Underwriting has resulted in a 41% decrease in write offs and a 51% decrease in net charge off dollars. Structure procedures put in place at implementation has resulted in an additional net profit of $147 per unit sold and a total net profit of $5.3 Million, a $611k difference over 2008 to date. Maintained sales volume levels in spite of poor economy. Sales were up 78 units over 2008 despite the closing of one underperforming location.

AVP Credit and Funding

• May 2004 - Aug 2008

Advanced to increasingly responsible roles, culminating in a management role with oversight of a Credit and Funding team consisting of 30 associates. Responsible for hiring, training, corrective action and periodic performance reviews of staff. Monitored incoming and outgoing calls of staff via Centre Vue (Direct dialer system) and gave live or post call reviews of performance to ensure adherence of company guidelines. Ensure approval and funding of contracts meets company guidelines while ensuring compliance with State and Federal Laws. Selected Contributions: Served on several core project teams that re-designed incentive programs for Funders and Credit Analysts, designed a front end profitability tool for Analysts to use to help give a deal level view of profitability, and design a core training program for Analysts to improve/develop their negotiation skills. Awarded shares in company for idea on profitability tool as well as the re-design of the incentive programs. Triple Crown winner in Second and Third Quarter of 2006 for outstanding performance as a Senior Credit Analyst/Team Lead. Triple Crown winner in 3rd and 4th Quarter 2004 as a Credit analyst. After Third quarter of 2006 was consistently moved to underperforming teams as Lead to help train staff and improve credit and funding performance. Was tasked with taking over the poorest performing team in the first quarter of 2007 and by the end of 2007 had improved funding turn time over 50% and had the highest overall callback % in the company at 97%. Regarded as Subject Matter Expert on Negotiation and Sales Techniques as well as our CARS funding software system and Funding policies and procedures. One of two Leads in the company tasked with the implementation and training of I-Lab, an experimental training program used to increase buyer flexibility and profitability for each team.

Branch Manager

• Oct 2001 - May 2004

Financial Rep

• Oct 2001 - Nov 2002

Handled all aspects of a full service finance branch, from taking the credit application, approval, funding, private label financing for merchants, to collection and loss mitigation of originated personal, revolving, auto, recreational and mortgage loans. Supervised between 2-5 branch employees, completed performance reviews and ensure that monthly goals for loan originations were being met. As a full service branch we were responsible for our own collections including, but not limited to, telephone and field contact, repossessions, foreclosure, bankruptcies and in some circumstances, commercial collections. Selected Contributions: Approval authority on consumer loans up to 10k as well as tolerance on rate and term depending on AGF experience and credit profile.Set up seven new direct dealers resulting in a 700k retail gain for 2003/2004Was the #1 Financial Rep for TX/OK/LA Region for 2003 in both Real Estate and Non Real Estate loan volume. Was #1 for the months of Feb/Mar/May/Sept 2003 resulting in total loan volume of $2.35 million.Regarded as the “Go To” for Dealer Referral selling and Real Estate Loan sales and laws.