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 with appropriate recommendations for review by Senior Leadership Team.• 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 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 with appropriate recommendations for review by Senior Leadership Team.• 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 jurisdictional monitoring.• 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 and accurately. • 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 as international recourse requests with appropriate recommendations for review by investment committee, business unit leadership, and executive management. Signing authority of $2MM.• 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 credit write-ups with in-depth credit analysis and financial evaluation for domestic exposure, as well as international recourse requests with appropriate recommendations for review by investment committee, business unit leadership, and executive management. Signing authority of $2MM.• 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 authority. • Streamlined operations by project managing process and system improvements. • Functioned as backup for manager in assigning deals, monitoring workloads, and signing off on work for the entire U.S. team. • Ensured staff performance excellence by developing and coaching new hires and existing team members on updated best practices, policies & procedures, and credit changes. • Evaluated and controlled risk parameters associated with commercial equipment lease and loan transactions by negotiating and approving legal documentation. Show less

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 recommendations for review by investment committee, business unit leadership, and executive management. Signing authority of $1MM.• Exceeded average for large ticket turnaround time under 3 days for strategic / key customers.• Realized $40K in annual cost savings by… Show more • 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 recommendations for review by investment committee, business unit leadership, and executive management. Signing authority of $1MM.• Exceeded average for large ticket turnaround time under 3 days 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 authority. • Streamlined operations by project managing process and system improvements. • Functioned as backup for manager in assigning deals, monitoring workloads, and signing off on work for the entire U.S. team. • Ensured staff performance excellence by developing and coaching new hires and existing team members on updated best practices, policies & procedures, and credit changes. • Trained and transitioned collections and collateral audit rolls to new Credit & Collections Specialist. • Evaluated and controlled risk parameters associated with commercial equipment lease and loan transactions by negotiating and approving legal documentation.• Ensured accuracy by working closely with TFS Operation Group reviewing and verifying contract documents reflected actual approvals and commitment stipulated in credit approvals and signing off on new transaction funding, with full wire signing authority. Show less

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 Terex Corporation.• 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, 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 Terex Corporation.• 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.• Limited losses and ensured customer's long-term viability by adapting quickly to the business and customer base changing needs during recession.• Minimized risk exposure for TFS and capital market partners during economic recession by managing retail and wholesale risk controls, including dealer collateral audits, credit reviews, credit line management, collections, and workouts.• Reconciled open recourse, streamlined processes, and improved corporation's contingent liabilities in SEC filings by leading initiatives on global credit recourse, establishing policies and procedures, and implementing centralized system for tracking status. Show less

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 Senior Management. In addition, provide backup for Small Ticket Credit.• 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 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 Senior Management. In addition, provide backup for Small Ticket Credit.• 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 to ensure documents reflected commitment stipulated in the credit approval. • 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, 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 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.