Eric Smith Email & Phone Number

Orlando, Florida Area

• As Regional Credit Manager, moved region's portfolio performance from #13 of 15 regions nationally to #1 in 2 ½ years.
• Led teams to President's Club wins in 2009, 2010, 2011, and 2012.
• Managed 8 territories across the state of Florida and a small portion of Alabama.
• Defined, developed and instituted training regimen across the entire region; rolled out to all markets.
• Developed "Perceived Value" training seminars; model was benchmarked and adopted and utilized by other regions.
• Established guidelines and goals for all markets based on historical data, demographics, and analytics.

• Promoted to Credit Manager; managed up to 9 direct reports, leading the Jacksonville market to new heights of success and growth from $5 million to $8 million in 8 months.
• Added in-house accounts to scope of responsibility and turned it around from marginal (<$1 million) to more than $3 million.
• Achieved high level of loan portfolio performance based on "common sense" lending; recognized with 110% of portfolio performance bonus every year for return on equity (ROE).
• Recruited recent college graduates and designed/implemented comprehensive and on-going sales process training for new hires; developed staff members and promoted several sales reps to senior analyst and management roles.
• Asked by corporate leadership to share best practices and buying/underwriting process with SVP of Risk.

• Recruited to re-join the company and quickly promoted to leadership roles of greater scope and responsibility.
• Managed Jacksonville, Florida market, interacting with 176 automotive dealers; drove average receivables from $450K per month to $5+ million and positioned Jacksonville as the largest market in Florida, surpassing.

• Co-launched startup within 45 days, negotiated agreements with 6 external alliance partners and achieved immediate growth objectives according to business plan.
• Oversaw all indirect financing and developed relationships with key lenders/ financial institutions; managed loan submissions, contracting, and inventory. Directed day-to-day operations; hired/trained/managed staff.
• Secured licenses and built strategic partnerships with key suppliers; established sales goals.
• Defined strategic growth plan; built inventory, conceptualized and played a leadership role in creating Web site (www.orangeautosalesorlando.com), Internet presence, and marketing plan.

• Spearheaded turnaround of struggling company; halted erosion of dealer base and increased revenue stream.
• Invigorated stagnant sales; took organization from adding $100K per month to $300K average monthly increase in loan portfolio. Refocused company from recourse to non-recourse basis, stabilizing business and reducing.
• Authored and implemented all inter-office policies and procedures. Implemented enterprise IT systems corporatewide.
• Created all statistical analysis, projections and financial reporting from scratch and provided accurate overall picture of ongoing business productivity, profit margins and loan portfolio to executive leadership.
• Increased monthly revenue 33%, grew loan portfolio 70% and attained 160%+ profit swing in less than 12 months.

• Led increase in business volume from $1.5 million to $2.5 million per month; grew principal balance 35% in 6 months.

• Directed dealer development, credit underwriting, account service and collections, application processing and funding.
• Motivated staff to achieve 2nd-lowest delinquency rate and consistently hit Top 10 of 38 branches.

• Managed entire sub-prime auto finance portfolio including credit application analysis, loan documentation and follow-up.
• Selected to establish new branch; grew from zero to $1.8 million business volume in 10 months, while maintaining delinquencies at <6% and charge-offs at <1.5%, exceeding profitability goals.