Experience

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  AFS Risk Management

  • Cameron Park, CA and Carlsbad, CA

  • Principal and Owner

    • Jan 1989 - Present
    • Cameron Park, CA and Carlsbad, CA

    Provide expert consulting and expert witness services regarding all aspects of automobile sales, financing and leasing for the benefit of financial services companies and law firms throughout the U.S.

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  First Interstate Bank of California

  • Los Angeles, CA

  • Vice President

    • Jan 1987 - Jan 1989
    • Los Angeles, CA

    Vice President - Indirect Market Sector Manager... Responsible for the bank"s Indirect Automobile Portfolio with absolutely no management or operational authority. Reported to Senior Vice President and the bank's Senior Credit Officer. A disgusting and very painful job. The bank got out of the indirect business because internal political considerations would not allow consolidation and efficient operational and financial management.

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  BancAmerica Acceptance Corporation (BAAC)

  • 3400 Freedom Circle, Santa Clara, CA

  • President

    • Apr 1980 - Jan 1987
    • 3400 Freedom Circle, Santa Clara, CA

    Created and became President and C.O.O. of a denovo automobile leasing subsidiary for Bank America Corp (BAC) and FinanceAmerica. The company was sold to GECAL in 1987 when BAC had limited fixed rate funding availability and no ITC appetite. Simultaneously, I was President of BAAC, Senior Vice President with FinanceAmerica (Sold to Chrysler Credit) and Vice President, Consumer Leasing at Bank of America

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  Courtesy Chevrolet San Jose

  • San Jose, CA

  • Finance Manager

    • Jul 1977 - Mar 1980
    • San Jose, CA

    Responsible for creating and discounting consumer conditional sales contracts and leases to major financial institutions.

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  General Motors Acceptance Corp

  • San Francisco

  • Credit Supervisor

    • Feb 1973 - Jul 1977
    • San Francisco

    Responsible for GMAC's financial relationships with 53 automobile dealers located in San Francisco and Northern California and the management of 6300 retail credit accounts.

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  U.S. Army Signal Corps

  • Various assignments

  • Captain

    • Aug 1968 - Feb 1973
    • Various assignments

    Graduate Artillery Officer Candidate School.10/69 and transferred to the Signal Corps. Graduate; Signal Officer Basic; Microwave and Troposcatter School. Assigned: Communications Officer for 4th Brigade, 25th Division, and then Executive Officer, Communication Center, Strategic Communications - Pacific, (STRATCOMPAC) Fort Schafter, HI.

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  General Motors Acceptance Corp

  • San Bernardino, CA

  • Field Repredentative

    • Oct 1964 - Aug 1968
    • San Bernardino, CA

    Field Collections and Repossessions