Manage a risk team with responsibility for the day-to-day monitoring and account relationship for the Commercial Lending General Population portfolio. Oversee the collection of dealer financial and performance data and develop appropriate action plans to mitigate potential risk to GM financial. Coordinates with appropriate Commercial Lending teams as needed to gain or share information critical to limiting risk and maintaining positive relationships with our Commercial borrowers.

Manage distressed / under performing commercial lease portfolio for accounts through the United States. Develop and implement appropriate workout solutions to improve long-term viability of customers while mitigating loss exposure to Xerox.

Led commercial credit and risk mitigation team for Dallas, Ft Worth, Houston, and West Texas Territories consisting of more than 250 commercial borrowers and $1.2 billion in wholesale and loan receivables.• Created new dashboard model utilized by department to identify trends and recognize potential risk factors.• Identified areas of financial risk and developed detailed action plans to mitigate and resolve issues.• Provided underwriting approval authority for commercial loans up to $15 million and made loan recommendations to higher approval authorities for loan commitments in excess of $100 million.• Reviewed and made recommendations to update or change company policies or procedures through Center of Excellence.• Completed regular internal control audits to ensure department compliance with company procedures and legal requirements including Sarbanes Oxley (SOX).• Achieved employee satisfaction scores of 94% compared to a center average of 78%.

Analyzed financial statements, tax returns, CPA statements, and Dunn & Bradstreet reports to determine credit worthiness of commercial clients. Provided written analysis and recommendations for annual and interim loan requests.• Developed strong working relationship with clients' controllers and accountants to ensure financial reporting meets manufacturer and GAAP reporting requirements. • Communicated changes in risk and portfolio quality to all affected departments within the organization resulting in improved teamwork and fewer defaults.• Performed cash flow analysis, budget forecasts and balance sheet audits and alerted management of potential risks.• Ensured all loan commitments were closed in accordance to company policies and procedures.• Prepared and reviewed UCC filings and loan & security documents to ensure proper security position of collateral.

Managed team of up to 20 employees that included administrative support, wholesale auditors, and dealer credit analysts. Provided the necessary training and mentoring to new dealer credit analysts that resulted in being recognized as having top quality credit reviews. • Exceeded company objectives for P&L, fixed costs, customer and employee satisfaction.• Managed transformation and integration of three different organizations during two year period with limited disruption to daily operations. • Negotiated loan workout arrangements for defaulted borrowers resulting in significantly reduced credit losses. • Consulted with commercial clients to provide process improvements or changes in business practices that resulted in improved client profitability, cash flow, and expense reduction.

Developed and delivered group seminars and one-on-one training for new supervisors and credit analysts. • Developed a scoring model to ensure all credit reviews met minimum company standards and appropriate feedback was provided to branch management.• Executed quality assurance audits on credit reviews conducted at the branch level and provided additional training for branches that required more assistance.