Equipment finance and leasing professional with 25+ years in the middle market. While primarily focused on sales and direct customer relationships, skill set is well rounded with expertise in credit analysis, transaction structuring and leasing operations.Customers Commercial Finance delivers the best of both worlds: the industry knowledge, responsiveness and personal service of a specialty finance company, coupled with the financial strength, stability, and low cost of a growing bank.* $500M to $50MM transaction size* Equipment Loans and Leases (TRAC, Tax, Capital)* 3-10 year terms* Fixed and Floating Rate options* Industries: Plastics, Packaging, Machine Tools, Crane/Construction, Motor Coach, Marine, Food Processing* Investment Tax Credit (ITC) appetite

Seasoned, senior Relationship Development Officer leading the growth for Santander Equipment Financing & Leasing's portfolio providing creative financing & leasing solutions to middle market companies in the New England-West market (from Buffalo, NY to Worcester, MA including VT and northern CT). Left Santander in January 2020 upon the sale of Santander Equipment Finance's portfolio to Sterling Bank.

Responsible for development of commercial lease and loan portfolio for Upstate NY market including relationship development with C-level executives to middle market (revenue > $25MM) companies in addition to partnering with Wells Fargo Commercial Banking teams in Buffalo and Albany NY markets.

Providing equipment financing via direct origination and working with First Niagara Bank relationship managers. Specializing in true leases, lease purchase agreements, operating leases, capital leases, and other financing products. First Niagara Leasing and First Niagara Bank are subsidiaries of publicly traded First Niagara Financial Group (NYSE: FNFG). Left First Niagara Leasing upon the sale of First Niagara Bank to KeyBank.

Providing equipment financing to companies covering the Upstate New York area. Specializing in true leases, lease purchase agreements, operating leases, capital leases, and other financing products. TCF Equipment Finance is a subsidiary of publicly traded TCF Financial (NYSE: TCB) which is the 32nd largest bank in the U.S. while TCF Equipment Finance is the 15th largest bank owned equipment financing company in the U.S.

Generated over $30 million in funded lease transactions despite challenging economy and elevated GE Capital cost of funds environmentStructured funded volume targets to exceed margin targets with average transaction margin of 3.52% compared to target of 3.33%.Consistently led regional team in prospecting measures with over 200 meetings and 1,500 callsDeveloped over 50 new GE Capital relationships.Demonstrated expertise and inclusiveness of GE Capital products evidenced by consistently leading regional team in cross-selling metrics.

Managed team responsible for underwriting of lease transaction for Eastman Kodak Company vendor program within specified submittal guidelines resulting in "Program of the Year" awards from 2002-2004.Assumed responsibility for lease documentation and funding team leading to reducing outstanding lead time from 3 days to 1 day.Led and reorganized collections team resulting in 30 day delinquency reduction from 1% to .25% and 90 day delinquency from .5% to .1%.

Led team in transformation of underwriting procedures from pre GE Capital acquisition to post GE Capital acquisition taking into account move towards more formal and detailed write-ups and thus reducing cycle time from over two weeks to 1-2 days.Reduced overall delinquency in portfolio from pre-acquisition 10%+ to under 5% within 6 months post-acquisition.

Led team in transformation of underwriting procedures from pre GE Capital acquisition to post GE Capital acquisition taking into account move towards more formal and detailed write-ups and thus reducing cycle time from over two weeks to 1-2 days.Reduced overall delinquency in portfolio from pre-acquisition 10%+ to under 5% within 6 months post-acquisition.

Responsible for overall branch operations with staff of three to include maintaining lending and delinquency targets for $100M portfolio.Training and monitoring of assistant manager and manager trainee resulting in promotion of 2 assistant managers and 3 manager trainees.Won National Branch Manager of the Month in May and August 1991.