Ben Carlile - Small Business Lending Email & Phone Number

Novato, CA, US

Los Angeles, CA, US

• Turnaround performance of subprime small business transportation portfolios
• 76% reduction in delinquencies and losses within first 9 months
• New processes, policies, data points and performance metrics
• Negotiated contracts, drafted documents, on-boarded 3rd party vendors & attorneys, reduced legal fees
• Cultural improvements, leadership modeling, training & coaching
• Critical decisions, executive team focus, organizational development and strategic planning

• Served 6 financial commercial lending clients providing underwriting, score card models, collections and portfolio management.

Bend, OR, US

• Built the credit, collections, customer service operations for start-up equipment financing firm. Joined with partner to develop business plans, access capital and acquire bank lines. Hired & managed personnel.
• Drove portfolio performance—through periods of margin compression, interest rate changes, recession, and recovery.
• Launched new programs and processes, increasing repeat business by 82% while driving delinquencies and charge-offs down to < 0.4%. Owned policies and procedures for credit, collections, and customer service.
• Built a fresh scalable credit platform that doubled the volume of prime and non-prime originations—without adding staff—forging a unique collaboration between credit and sales groups.
• Improved approval ratios and booking ratios while controlling costs. Focused teams on providing superior customer care.
• Drove exceptional vintage static pool loss results by creating smart “common sense” underwriting criteria—resulting in expanded bank lines, lower cost of funds, improved loan covenants, lower loan loss reserve.

• Hired as Credit Manager to improve credit underwriting, drive efficiency and turn around an under-performing portfolio of equipment leases & loans. Quickly promoted to VP to lead credit, collections and customer.
• Drove operations that grew AUM from $10MM to $750MM by establishing Trinity’s reputation for underwriting excellence and portfolio management. Leveraged strong performance to launch a successful portfolio servicing.
• Underwrote more than $300MM in booked leases and loans for Trinity’s own portfolio, by establishing sound credit and collection processes, and training credit, collections, and customer service personnel. Achieved.
• Played an integral role in helping to establish a strong, well-managed company, modeling leadership behaviors and creating enthusiasm to build an exceptional culture of service and achievement.
• Produced growth, performance and compliance results that led to Trinity’s successful high-multiple sale to Bank of the West.