James Singleton Email & Phone Number

Dallas-Fort Worth Metroplex

• Develops internal capabilities for commercial lending
• Manages all aspects of commercial credit underwriting, program design, and system requirements
• Ensures departmental compliance to regulatory requirements and company policy
• Reviews and makes adjustment to policies and procedures as necessary to minimize risk of loss to the Company
• Integrates credit strategy into the organization
• Develops and implements strategies for meeting aggressive growth objectives

Dallas/Fort Worth Area

Irving, Texas

• Develop internal capabilities for commercial lending with focus on automotive dealership financing.
• Manage all aspects of business development for commercial lending with limited oversight.
• Manage competitive intelligence for pricing and product features.
• Integrate new financing programs into organization (systems, reporting, dealers, sales, marketing, and dealer support).
• Develop and implement strategy for field sales support, including regional based reporting; contact for new credit requests.
• Develops commercial lending system strategies and manages implementation thereof.

Irving, Texas

• Manages the application and approval process for all commercial loans. Works with the field staff, commercial credit staff, and parent company's market representation department to gather and verify dealer financial.
• Manages the loan documentation and funding process. Coordinates loan booking and funding with the legal, accounting, treasury, inventory control, floorplan processing, and credit departments.
• Consults and works closely with legal counsel on a variety of lending issues ranging from loan inception and documentation to recommending workout.
• Monitors and maintains the commercial loan portfolio.
• Develops commercial programs to meet company goals and administers existing GM programs.
• Responsible for training internal staff and Field Sales personnel on loan programs.

Irving, Texas

• Identify financing opportunities, and negotiate deal structures for commercial loans to automotive dealerships, including floorplan, real estate, term loans and revolving lines of credit.
• Analyze financial statements of automotive dealerships and related customers including assessment of dealership risk.
• Interface with customers and internal/external stakeholders to obtain data to complete analysis and ensure customer expectations are managed.
• Prepare management summaries for senior leadership.
• Review daily work flow for business development process, to ensure customer satisfaction.

Arlington, TX

• Spread and analyze manufacturing operating reports of automotive dealerships and related entities.
• Prepare credit proposals, which outline the nature of the request, accurate risk rating, summary of analysis completed, and recommendations for credit committee approval.
• Evaluate dealership cash flows, performance ratios, and pro-forma financial statements to develop assessments pertaining to a borrower’s past and future performance.
• Preform strong financial analysis including, credit base, trend, cash flow, fixed charge coverage ratio, tax reconciliation, and bank reconciliation analysis.
• Prepare new business proposals including, floorplan, term loans, equipment loans, real estate loans, and construction loans.
• Completes periodic credit reviews for existing accounts based on risk classification and according to policy and procedure requirements.

Plano, TX

Complete thorough and accurate comprehensive reviews of automotive dealership financial statements for approval of new or continuation of wholesale credit lines. Design action plans that include relevant advice based on detailed analysis of automotive dealership financial statements. Renew wholesale credit lines.