Led the business transformation of Susquehanna Commercial Finance to BB&T Commercial Equipment Capital (CEC) by restructuring the business into three distinct management lines with the goal of achieving a sustained 25-30% annualized portfolio growth rate by segregating roles and responsibilities for operations and governance. The three lines consist of: CEC Sales & Operations (1st Line), CEC Risk Management and BB&T Corporate Credit Administration (2nd Line) and Corporate Audit (3rd Line) to align with BB&T’s Enterprise Risk Management framework for high growth product initiatives.Serve as one of the five charter members of the BB&T Commercial Equipment Capital Board of Directors providing oversight and governance for regulatory compliance and risk management reporting for the three operating lines.Direct the risk management strategy for $1.1B portfolio of commercial leases and loans through management of Senior Leadership Team (Credit, Asset Management, & Collections) and their respective teams to ensure appropriate controls and processes exist in CEC’s operations.Creation and implementation of financial models and analytics platforms automating the credit adjudication process and portfolio monitoring to forecast the Probability of Default, Loss Given Default, and capital requirements.Responsibility for design, calculation, and alignment of CEC Allowance for Lease and Loan Losses (ALLL) with BB&T Credit Analytics and Corporate Finance including testing with internal and external examiners to determine capital adequacy.

Direct cross-functional teams in Operations (Vendor Service, Funding, Quality Control, & Customer Service) and Risk Management (Credit, Legal, Asset Management, Workout, Compliance & Collections) to create an operating vision that fosters a strong performance culture linking daily/weekly/monthly key performance indicators to the execution of SCF's Strategic plan.Create multi-year strategic business plan objectives by facilitating the Annual Corporate Retreat leading Executive Management’s planning sessions with key stakeholders in Sales, Finance, Operations, and RIsk Management.Develop and maintain SCF’s Scorecard analytics platforms through the customization of core operating software to quantify and automate credit risk parameters to forecast Probability of Default, Loss Given Default and capital requirements.Responsibility for design, calculation, and alignment of SCF Allowance for Lease and Loan Losses (ALLL) with Corporate Finance. Conduct testing of ALLL with internal and external examiners to determine adequacy of capital requirements.Coordinate regulatory compliance examinations and audits, serving as primary point of contact for Federal Reserve, FDIC and other regulatory bodies. Lead the response and implementation of appropriate actions to address any regulatory findings.Oversee the regulatory compliance programs including Bank Secrecy Act, AML, CIP, Fraud, and SOX 404 to ensure a highly visible, effective institutional commitment to compliance with federal and state laws, regulations, rulings, and guidelines.

Launched a regional commercial equipment leasing subsidiary of National Penn Bank obtaining regulatory approval to offer tax and non-tax equipment leasing products in six Mid-Atlantic states (PA, NJ, DE, NY, MD, VA).Implemented a small business end-to-end design operating platform: sales origination, credit decisioning, documentation, funding, booking, portfolio review, workout and asset management functions that resulted in $65MM in lease originations in the three year period from business inception.Manage all stages of the credit decisioning process including: approving risk concentration limits for customers, vendors, and residual exposures by product (tax/non-tax leases) within defined pricing structures, equipment valuation, and residual targets.Perform portfolio matrixing to measure risk concentration for industry and customer exposure with responsibilities for Collections and Watch Loan functions.

Perform credit underwriting for private and co-branded labels national vendor programs for medium and large ticket lease transactions by using credit scoring matrix, industry research, and financial statement analysis.Chair nine-member Portfolio Risk committee presenting weekly reporting to Senior Management on the financial condition of vendors, recommendations for credit lines, portfolio tracking, and conduction of annual vendor reviews.Conduct quarterly reviews of vendors with portfolio exposures exceeding $1MM.Audit lease documentation prior to funding to ensure documentation meets risk and legal requirements.

Decision credit requests for the financing and leasing of vehicles in the commercial trucking industry utilizing credit scoring matrix, equipment valuations, industry knowledge, and financial statement analysis to accurately assess credit risks and structure lease/loan applications.Prepare and present formal credit write-ups to Corporate Credit Committee for all requests exceeding $1MM authority.Manage all credit functions including: credit decisions, pricing, documentation, funding, booking, collections, and P & L reporting.Remarketing of all equipment repossessions with regional truck dealership network and auction houses.