John Hensel Email & Phone Number

Sandy Hook, Connecticut, United States

New York City Metropolitan Area

• Focused on customer Annual Review write-ups with in-depth credit analysis and financial evaluation for domestic and international exposure, covenant testing, base case preparation, and transaction modification requests.
• Evaluated and controlled risks associated with a global business aircraft lease and loan portfolio through annual reviews, covenant compliance verification, collateral audits, along with media, industry… Show more.
• Evaluated and controlled risks associated with a global business aircraft lease and loan portfolio through annual reviews, covenant compliance verification, collateral audits, along with media, industry, and.
• Collaborated cross functionally with deal teams consisting of Sale, Operations, Legal, Tax, and Asset Management to ensure documentation reflected commitment stipulated in transaction modification approval.
• Proactive in obtaining information for the completion of AR's, extensions, and covenant testing. Highly responsive to internal and external customer requests, collaborating with GJC SMEs to provide information quickly.
• Enjoyed working in partnership with team members and other groups within GJC to meet customer’s needs. Show less

Westport, CT

• As lead credit underwriter for TFS Americas Credit team, focused on strategic / key customers including preparing credit write-ups with in-depth credit analysis and financial evaluation for domestic exposure, as well.
• Drove 90% close rate on $140MM in new transactions annually, with 35% of transactions being… Show more As lead credit underwriter for TFS Americas Credit team, focused on strategic / key customers including preparing.
• Drove 90% close rate on $140MM in new transactions annually, with 35% of transactions being higher risk generating $42MM in incremental volume and below industry average for +30-day delinquencies.
• Exceeded average for large ticket turnaround time under 3 days by proactively approving $40MM in credit lines for strategic / key customers.
• Realized $40K in annual cost savings by negotiating vendor contracts with reporting agencies.
• Collaborated cross functionally with Operations Group to ensure documents reflected commitment stipulated in the credit approval. Reviewed and signed off on the funding of new transactions, with full wire signing.

Westport, CT

• Focused on strategic / key customers including preparing credit write-ups with in-depth credit analysis and financial evaluation for domestic exposure, as well as international recourse requests with appropriate.
• Exceeded average for large ticket turnaround time under 3 days for strategic / key customers.
• Realized $40K in annual cost savings by… Show more
• Realized $40K in annual cost savings by negotiating vendor contracts with reporting agencies.
• Collaborated cross functionally with Operations Group to ensure documents reflected commitment stipulated in the credit approval. Reviewed and signed off on the funding of new transactions, with full wire signing.
• Streamlined operations by project managing process and system improvements.

Westport, CT

• Built foundation of business by establishing global policies and procedures for credit, collections, and collateral audit departments.
• Grew portfolio to over $1.1B, drove over $300MM in financing of annual equipment sales, and 35% incremental volume by taking ownership and creating Terex Financial Services as a new global captive finance company for.
• Amplified productivity and quality by testing, identifying issues, and recommending changes to new front end and back… Show more Built foundation of business by establishing global policies and procedures for credit.
• Amplified productivity and quality by testing, identifying issues, and recommending changes to new front end and back end systems before going live.
• Created documents for new company by reviewing original lease and loan contracts, recommending implemented changes.
• Developed credit write-ups for on-book exposure and international recourse requests, making recommendations for review by investment committee, segment leadership, and senior management.

Norwalk, CT

• Concentrated on dealer/manufacturer credit line requests and renewals including preparing credit write-ups with in-depth credit analysis and financial evaluation with appropriate recommendations for review by for.
• Increased sales volume by decreasing turnaround time on transactions providing timely support to HCA field sales force, dealers and manufacturers.Collaborated cross functionally with Wholesale Contracts… Show more.
• Increased sales volume by decreasing turnaround time on transactions providing timely support to HCA field sales force, dealers and manufacturers.Collaborated cross functionally with Wholesale Contracts Administration.
• Evaluated and reviewed collateral values relating to HCAC investment risk and formulate underwriting guidelines regarding industries and types of collateral. Show less

Norwalk, CT

• Underwrote new retail and wholesale transactions for construction and medium duty truck programs analyzing financial statements, collateral, bank references, Paynet, D&B Bradstreet and personal credit bureau reports.
• Structured challenging transactions, decreasing organizational risks, while improving customer satisfaction.
• Communicated all credit decisions to internal sales force and external dealer network.
• Improved efficiencies and reduced errors for the documentation team… Show more Underwrote new retail and wholesale transactions for construction and medium duty truck programs analyzing financial statements.
• Improved efficiencies and reduced errors for the documentation team by clearly communicating details of approval conditions for each transaction, reducing document turn time. Show less

Danbury, CT

• Underwrote new N.M.H.G. Financial Services retail transactions from Yale and Hyster dealers.
• Performed collateral evaluation for risk decisions.
• Team Leader for the documentation and funding process.
• Produced formal credit Write-ups and presentations as necessary.
• Negotiated and amended lease and loan documentation.