Bruce Janowsky Email & Phone Number

Philadelphia, PA, US

Plymouth Meeting, Pennsylvania, United States

• Responsible for the execution, management and oversight of Credit Risk Management and Credit Adjudication for Auxilior’s Manufacturer Partner and Small Vendor Program Flow Businesses, in the Transportation & Logistics.
• Project Lead and Manager that implemented empirically derived and statistically validated industry specific custom Credit Scorecards calibrated with Probabilities of Default and integrated with Company’s Borrower Risk.
• Leads, manages, mentors, develops, trains, motivates, and monitors Flow Business Credit Analysts to achieve highest level of credit productivity, adherence to program service level agreement key performance indicators.
• Engaged in proactive development, enhancement and maintenance of coordinated originations support for new Manufacturer Partner Commercial and Consumer Finance and Bank Outsourcing Programs, process improvement.
• Executes proactive monthly charged-off transaction review, analysis and underwriting postmortems, making policy and best practice adjustments to Credit and Documentation Risk Acceptance Criteria, mitigating future risk.
• 2022 Auxilior Leaders & Performers Award.

Mount Laurel, NJ

• Developed and led Canon’s Second Life initiative to reuse, resell, and recycle off-lease equipment as part of redeployment strategy. Created new consumable, parts, and service market share in collaboration with Canon’s.
• Won Canon America’s President Award for Sustainability in 2015 for leading national Lite Refurbishment Program from start-up to new complementary business facilitating refurbishment and sales of over 7M off-lease.
• Obtained 2018 BTA Channel’s Choice Award Winner in recognition of Third-Party Leasing Support.
• Significantly reduced wholesaler activity from 90% to 40% over three-year period via successful business process transition from low margin wholesale business to higher margin redeployment strategy.
• Boosted Residual Realization from 70% to 110% Net Booked Residual with integration of Second Life Equipment Strategy into core Canon business, extended machine useful life, developed new market share, supply revenue.
• Maintained an 8.5 Net Promoter Score (10 point scale) as illustrated in Annual Dealer Off-Lease Equipment Survey.

Mount Laurel, NJ

• Headed start up and progression of captive equipment finance company servicing assets in excess of $2B with over 80M leasing customers. Oversaw strategic direction of risk management function and administered.
• Integrated Oce Financial Services into Canon Financial Services, Inc as part of Financial Services Leadership team.
• Encouraged proactive Sales Channel Partner culture with Risk Management team members conducting over 150 annual sales visits.
• Optimized operational efficiency by 20% as Project Sponsor Constant Process Improvement initiative to eliminate non-valued added process steps.
• Attained Canon Americas Presidents Award in 2012 with launch of leasing initiative for professional photographers for Canon’s $5B camera division.
• Orchestrated all aspects of companywide policy and procedure and authorities review, rationalization, update and implementation of new Policies, Procedures, and Authorities SaaS system.

Mt Laurel, New Jersey, United States

• Redesigned the operations functions within the business to focus on service quality, solution partnerships, and brand support, which enhanced revenue. Led execution of a realignment plan including leadership.
• Member of Executive Committee and Senior Management Team, formulating strategic direction.
• Improved overall Dealer satisfaction levels by 17% as measured by an independent third party Dealer satisfaction survey.
• Streamlined processes resulting in over 25% productivity improvement throughout servicing platform.
• Assumed control of the Collection, Workout and Legal Recovery areas; reorganized and recruited new leadership.
• Collaborated with Canon’s Direct business to design and launch a competitive Unified Lease Program that consolidated the terms and conditions of the equipment acquisition, maintenance and financing into one simple.

Mt Laurel, New Jersey, United States

• Managed all underwriting operations and risk acceptance activities. Recruited, developed and mentored a team of 12 underwriting professionals, $2,000,000 single signing credit authority.
• Developed a credit risk rating methodology and system that accurately rank ordered credit risk, proven through various economic cycles.
• Member of Senior Management Team.
• Generated over $210 Million in new business volume through improved relationships, business redesign and implementation of new originations platform.