Joseph Risberg Email & Phone Number

Houston, Texas Area

COMPANYDiesel Leasing & Financial Services a company focused on equipment lending for Doggett Equipment Services Group.CHALLENGEI joined a startup finance company to support several commercial equipment brands targeting the Southwest United States. The mission was to grow a portfolio rapidly and turn a profit within eighteen months.Luckily, the pandemic did not severely impact the transportation industry, so I established regional relationships, planned, and executed the growth strategy, and approved complex transactions.In addition to meeting sales goals, I had to build an entire credit financing process and infrastructure from scratch.ACHIEVEMENTS* Within the first year, generated positive net returns and achieved a net profit of $1.5M after two years.* Grew portfolio from $0 to $90M in less than two years with no losses and 0% delinquencies. * Ensured company had disciplined credit approval processes: credit analysis, underwriting, risk, funding, servicing, collecting, and remarketing.

Dallas/Fort Worth Area

COMPANYA captive finance company for a global brand, servicing commercial customers of over the road transportation industry.CHALLENGEI directed 60+ analysts and managers with credit and collections oversight for business throughout the U.S.; as well as Regional Credit responsibility for Canada, Mexico, Brazil, and Argentina. We were accountable for credit underwriting and managing an $8b commercial portfolio. In addition to sales and portfolio management rollouts. In this role, I had to wear both a sales and operations hat, supporting a massive business transformation involving system changes and new technology. I am proud of ensuring we did not drop the ball with customer service while changing technology platforms. I also focused on developing my direct reports and preparing them for their next position in the organization, resulting in three direct report promotions. After building a customer-centric work culture, the team seamlessly earned high customer satisfaction scores even with these internal staff changes.ACHIEVEMENTS* Managed delinquency to less than 1% on an $8B portfolio.* Improved ability to turnaround deals promptly; Completed $1M deals in < 24 hours; Closed deals up to $40M within five business days.* Earned Direct Manager Satisfaction scores of 100% — "Great Place to Work." —and managers

Overland Park, Kansas

CHALLENGEI coached and led a team of four district sales managers servicing 28 dealer groups with 55 sales locations and various independent dealers in 10 states throughout the Midwest. Responsibilities included maintenance and growth of a $1B retail and $800M dealer portfolios.A significant problem in this role was achieving a harmonious regional approach to all dealer transactions. A united approach was needed to overcome a strategic disadvantage regarding the interest rates we could offer. Despite these challenges, relying on customer-focused value and processes, we developed and maintained strategic relationships that led to enormous growth. ACHIEVEMENTS* Built a high-performing team growing fleet portfolio by 50% in two years.* Earned 95% of customer satisfaction scores annually.* Grew sales leaders’ talents, resulting in three earning promotions.

Dallas/Fort Worth Area

I led a team of 7 analysts responsible for researching, underwriting, and providing recommendations on credit requests over $750k. We prepared and presented detailed credit analysis and advice to executive and senior management on files ranging from $20M to $450M.I was thrilled to achieve record-breaking growth in the portfolio after coming out of the financial crisis of 2008. Success came from training and mentoring the analysts to complete an in-depth financial statement analysis to understand credit opportunities. The analysis process led to a deeper understanding of the customer's unique situation and how to capitalize on every deal. ACHIEVEMENTS* Advanced Fleet Portfolio > 50% in two years.* Presented and obtained funding from the Germany Board of Management

Greater St. Louis Area

CHALLENGEI covered Illinois, Missouri, and Arkansas territory with accountability for deals ranging from $100K to $100M. I managed a dramatic shift in business after Daimler's separation from Chrysler. We maintained and grew relationships during this uncertain time by creating a customer-centric team approach with collaborative internal teamwork. We honored previous commitments and built unique solutions to a new challenge. ACHIEVEMENTS* Earned above-target returns for $125M+ assets. * Recognized with top marks for dealer satisfaction.

Orlando, Florida Area

CHALLENGEI relocated to Florida and managed a territory where I was unknown to the regional staff. I managed nine staff and wrote credit policies and procedures for $1B+ state of Florida, Chrysler financial portfolio. I garnered team trust quickly by representing their thoughts and concerns to upper management, securing quick wins on staffing and workload.

Greater Chicago Area

Greater Chicago Area

CHALLENGEThe promotion was an executing and unique opportunity to develop a new business venture within a company. I managed a talented team of thirteen staff to develop and implement credit policies and procedures for the new business to follow daily. Working in a collaborative setting, we exceeded the business plan dramatically.ACHIEVEMENT* Grew portfolio from $20M to $300M in two years.

Indianapolis, Indiana Area

Greater Chicago Area

Greater Chicago Area

CHALLENGEThe assignment was my first multi-eight state territory opportunity to achieve profitable liquidation of off-lease and trade back assets. The position required me to leverage all internal working relationships to maximize my time and effort. I needed to learn the details on many different variations of assets because we were not limited to the type of vehicle to lease or trade. Successful in both avenues, I earned a top 2 national sales ranking.ACHIEVEMENT* Developed territory from under $1M to over $4M in the first year.

Greater Chicago Area

Greater Chicago Area

Greater Chicago Area

Master Of Business Administration - Mba, Finance And Financial Management Services

Bachelor Of Arts - Ba, Pre-Law Studies

Master'S Degree, Accounting