Managing a great group of Regional Sales Managers and Customer Service Managers for ACV Capital covering the Northeast of the United States.

- Spearheaded the credit department in a start-up environment, developing and implementing initial credit policies and procedures.- Collaborated with the sales and underwriting teams to streamline credit approval processes and enhance operational efficiency.- Managed credit risk assessments and approval processes for new clients, ensuring compliance with company standards and regulatory requirements.- Conducted financial analysis and due diligence on prospective clients to determine creditworthiness.- Implemented strategies to mitigate credit risk and improve the overall quality of the loan portfolio.- Played a key role in the company's initial growth phase, contributing to strategic planning and decision-making.- Coordinated with senior management to address and resolve complex credit issues.- Provided leadership and guidance to the credit team, fostering a collaborative and high-performance work environment.

- Managed a group of 5 Credit Analysts responsible for the underwriting of floorplan loans and ensured staff adhered to policies and procedures.-Responsible for all accounts between $50k and $500k. Worked with the sales reps, regional managers, and senior management to ensure that all credit packages were within credit policy.- Responsible for overseeing the efficient processing of applications, financial statements, and related documents and to prepare deals in excess of $500k for weekly Committee approval.

- Successfully started and rapidly grew the Indiana Market by soliciting new business from Used Car Dealerships for floorplan financing.- Accomplishments and Responsibilities included: Led Kinetic with the most applications by a Dealer Relationship Manager for the first three months and first to reach over $2.5M in A/R.- Maintained and expanded a 99% clean portfolio while assisting in lot audits, collections, repossessions, and post collections.

- Successfully started the Midwest Market for the company by soliciting new business from Used Car Dealerships for floorplan financing. - Started and managed the Indianapolis/Cincinnati/Louisville markets from inception to over $3M in outstanding A/R while maintaining a 99% clean portfolio.

- Responsible for hiring and training of Sales Reps in all thirteen markets.- Monitored and tracked weekly sales leads to ensure proper follow up or closing of the sale in getting new dealers signed up with our floorplan.- Also, responsible for starting and managing the Indianapolis market from ground zero to over $4M in outstanding A/R while mitigating risk.

- Grew market base from ground floor up to over $3.5M in two different markets.- Started the very first Business Development Department. I was responsible for implementing and tracking sales leads for our General Managers in our newly opened markets to ensure expected growth.

Operations Manager:- Enhanced auction partner relationships to bring efficiencies to both AFC and our partner auctions by centralizing and automating processes between AFC and the auction partners.- Managed a group of 8 employees responsible for Wholesale Dealer portfolio transactions on portfolios of over $250 Million in credit lines.- Responsible for all aspects of managing a portfolio of loans for other branches ranging from $1M to $250M.Credit Manager:- Managed a group of 12 Credit Analysts responsible for the underwriting of floorplan loans and ensured staff adhered to policies and procedures.- Responsible for all accounts between $5k and $25M. Worked with the branches, regional managers, and senior management to ensure that all credit packages were within credit policy.- Worked closely with the companies' executives on each credit package to ensure we granted the right pricing and credit limits.