Todd Culbreth
Regional Vice President at SouthStar Capital- Claim this Profile
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Bio
Andy Davidson
Todd joined the credit department in the 4th quarter, our busiest time of year. He brought a willingness to work and eagerness to learn that helped contribute to the department immediately. As a credit analyst, he established strong relationships with both internal and external customers. He works to find a way to put the deal together. He has great organizational skills and takes on assignments with dedication and drive to complete the task. He is skillful in financial analysis and credit underwriting. Todd’s Microsoft Office skills are exceptional. He became a competent and talented analyst in short order took on the challenge of larger more complex deal underwriting. He learned quickly and shared his knowledge freely while helping others.
Mark Musumeci
I have had the pleasure of working with Todd in the Retail Credit Department of Volvo Financial Services. He demonstrates a clear understanding of credit policies, practices, and software. Todd is a driven leader who provided direction and training for myself and others entering the credit department. He adds bottom-line value to VFS and promotes a positive team atmosphere for everyone around him. I highly recommend Todd in any leadership capacity.
Andy Davidson
Todd joined the credit department in the 4th quarter, our busiest time of year. He brought a willingness to work and eagerness to learn that helped contribute to the department immediately. As a credit analyst, he established strong relationships with both internal and external customers. He works to find a way to put the deal together. He has great organizational skills and takes on assignments with dedication and drive to complete the task. He is skillful in financial analysis and credit underwriting. Todd’s Microsoft Office skills are exceptional. He became a competent and talented analyst in short order took on the challenge of larger more complex deal underwriting. He learned quickly and shared his knowledge freely while helping others.
Mark Musumeci
I have had the pleasure of working with Todd in the Retail Credit Department of Volvo Financial Services. He demonstrates a clear understanding of credit policies, practices, and software. Todd is a driven leader who provided direction and training for myself and others entering the credit department. He adds bottom-line value to VFS and promotes a positive team atmosphere for everyone around him. I highly recommend Todd in any leadership capacity.
Andy Davidson
Todd joined the credit department in the 4th quarter, our busiest time of year. He brought a willingness to work and eagerness to learn that helped contribute to the department immediately. As a credit analyst, he established strong relationships with both internal and external customers. He works to find a way to put the deal together. He has great organizational skills and takes on assignments with dedication and drive to complete the task. He is skillful in financial analysis and credit underwriting. Todd’s Microsoft Office skills are exceptional. He became a competent and talented analyst in short order took on the challenge of larger more complex deal underwriting. He learned quickly and shared his knowledge freely while helping others.
Mark Musumeci
I have had the pleasure of working with Todd in the Retail Credit Department of Volvo Financial Services. He demonstrates a clear understanding of credit policies, practices, and software. Todd is a driven leader who provided direction and training for myself and others entering the credit department. He adds bottom-line value to VFS and promotes a positive team atmosphere for everyone around him. I highly recommend Todd in any leadership capacity.
Andy Davidson
Todd joined the credit department in the 4th quarter, our busiest time of year. He brought a willingness to work and eagerness to learn that helped contribute to the department immediately. As a credit analyst, he established strong relationships with both internal and external customers. He works to find a way to put the deal together. He has great organizational skills and takes on assignments with dedication and drive to complete the task. He is skillful in financial analysis and credit underwriting. Todd’s Microsoft Office skills are exceptional. He became a competent and talented analyst in short order took on the challenge of larger more complex deal underwriting. He learned quickly and shared his knowledge freely while helping others.
Mark Musumeci
I have had the pleasure of working with Todd in the Retail Credit Department of Volvo Financial Services. He demonstrates a clear understanding of credit policies, practices, and software. Todd is a driven leader who provided direction and training for myself and others entering the credit department. He adds bottom-line value to VFS and promotes a positive team atmosphere for everyone around him. I highly recommend Todd in any leadership capacity.
Experience
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SouthStar Capital
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United States
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Financial Services
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1 - 100 Employee
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Regional Vice President
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Oct 2017 - Present
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Assistant Vice President
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Sep 2016 - Oct 2017
As Assistant Vice President of Southstar Capital in Charlotte, NC my goal is to meet the working capital needs of businesses. I can provide value to businesses that are in a growth stage and engaged in:•Business to business sales/services and are invoicing on terms.Or•Actively pursuing purchase order contracts and government contracts.I can help if the company could benefit from having access to capital immediately on their work completed invoices that are on payment terms of 30-60 days.This is a great solution if the company has potential contracts they have turned down because of the strain it would have on their cash flow or if they have payroll concerns with the growth.Access to the capital immediately on invoices outstanding, Purchase order financing, or funding based on other assets as collateral. Custom working capital facilities that provide access to funding to match the timing of cash flows to meet day to day expenses and help business owners sleep better at night.I am always looking to develop relationships with Bankers, Consultants, industry professionals, and businesses to find ways to collaborate and provide value to businesses. The goal is to generate win-win situations and provide support to growing businesses by funding their cash flow needs. Call me at 704-266-8338 to start the conversation. Show less
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XOOM Energy
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United States
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Oil and Gas
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1 - 100 Employee
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Renewable Energy Certificate Trader
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Aug 2015 - Sep 2016
Head Renewable Energy Certificate Trader responsible for managing the supply needs of RECs to meet compliance standards in 12+ states. Portfolio management responsibilities to ensure accurate hedging against price risk in renewables markets. Working with Risk, Legal, Pricing, and Product teams to facilitate the accurate representation of renewable energy attribute supplied for each reporting year. Development of external supplier relationships and expanded network of brokers and generators to obtain cost effective trades. 100% accuracy on compliance reports during tenure and effectively optimized portfolio with reallocation of products and optimal hedging strategies to recognize savings in excess of $1 million. Show less
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Volvo Financial Services
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Financial Services
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700 & Above Employee
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Credit Analyst
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Sep 2014 - Aug 2015
• Promoted to originator of commercial equipment loans ranging from $100k to $4 million at conclusion of Financial Services Development Program• Created proposals and structured rates to optimize financial product sales while balancing risk adjusted returns.• Actively worked with both Volvo dealers and customers to create loan and lease packages that were tailored to meet the business needs of each customer’s particular business.• Performed financial statement analysis and presented suitable structures based on expected ROE.• Consulted multiple levels of management including C level executives and created relationships with sales channels both internally and externally• Exceeded department highest KPI goal of closing ratio at 40%. Personal closing ratio was 48% on loans and leases. Achieved through differentiating the Volvo Financial services product from competitors by developing deal relationships and getting last look at deals in the highly competitive market.• Promoted to loan origination authority of $300k after 4 months of exceeding expectations as analyst.• Lead personnel from West region credit team on several process improvement projects including development of departmental goals, IT implementation of new credit management software, and expedited deal project with excel modeling • 90%+ on all scorecard performance reviews and achieved analyst workload productivity ratio of 110%. Show less
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Financial Services Development Program
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Jan 2014 - Dec 2014
• Servicing Module:o Learned the back end of the business and serviced accounts in the portfolio including collections on a block of the portfolio with the following results:▪ Achieved delinquency rate of .05% at month end during rotation. Ranked 3rd best out of 11 collectors.▪ Gained a full understanding of the flow of contracts through the back end of the business cycle.o Completed additional projects including:▪ Created tutorial of new process using Excel Macros and V-Lookups to work collections block and shared with collection department.▪ Developed process improvement for customer service audits using Infolease macros.▪ Worked insurance default list of 150 customers and obtained current insurance certificates. • Dealer Relations Module:o Learned and performed wholesale operations and worked closely with the wholesale team to ensure that assets at the dealerships were secure and to build and maintain overall dealer relationships. The goal of the audit department is to have average audit turnaround time of <5 days. During the rotation my results were:▪ Average audit turn-around-time of 3.05 days.▪ 100% accuracy of auditing 1000+ units.▪ Completed two full lease line operation audits including cash flow analysis and revenue projections to create report for business review.▪ • Origination Module:o Learned to perform the responsibilities of a credit analyst by working with the finance manager and dealer to underwrite deals.o The results are as follows:▪ Efficiently started writing small ticket deals within one week of being in the department.▪ Used financial ratios and financial statement analysis to determine credit worthiness of medium to large size companies during underwriting.▪ Structured deals complex deals involving Loans, Leases, TRAC Leases with multiple payment arrangements including balloon payments and skip payments. Show less
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Education
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2010 - 2013
University of North Carolina at Wilmington
Bachelor of Science In Business Administration(B.S.B.A), Dual Degrees in Finance & Economics
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