Mark Hall Email & Phone Number

Greater Minneapolis-St. Paul Area

Working together to empower individualsAt Snap, our core values are more than lip service. They're a part of our daily interactions and business practices. Our purpose of helping our customers and serving our partners is clear and reflected in all we do.

Minneapolis, Minnesota, United States

Minneapolis, Minnesota, United States

We are changing the way America's dealerships pay-off trades and receive their titles for both retail and wholesale vehicles. See your trade title released in 4-6 days!

Minneapolis, Mn

At Exeter, we focus on being a premier finance company and lender-of-choice known for its people, performance and service. We work with thousands of franchised dealers nationwide to make vehicle ownership possible for everyone. We have helped hundreds of thousands of consumers purchase the cars they want by providing the financing solutions they need.

Lakeville, Minnesota

California

Orange County, California Area

Managing dealer relationships throughout Southern California

California Washington Arizona

First Investors Financial Services Inc., through its wholly-owned subsidiaries (“First Investors”) is an automobile finance company founded in 1988 to serve the special finance needs of automobile dealers and consumers. First Investors has created a unique business model that encompasses indirect and direct lending as well as portfolio acquisitions and third-party servicing. This multi-channel approach provides asset and revenue diversification as well as a deep understanding of the auto financing needs of both dealers and customers. The Company’s indirect lending business primarily serves automobile dealerships in 43 states offering a wide range of financing programs which generally target consumers with credit scores of 510 and greater, including a strong emphasis on consumers which have gone through a bankruptcy process. In addition, the Company places a strong emphasis on high levels of service to its dealer clients as well as stability in it's funding process. First Investors’ direct lending business, which it started in 1996, targets qualifying consumers with pre-approved offers of credit using a direct mail platform. This business segment offers the opportunity for selected consumers to refinance their existing auto loan to realize significant rate savings compared to their existing loan. The Company identifies potential customers utilizing its empirical custom scorecards and response models.

Biloxi, Mississippi Area

As AVP Indirect Lending, I developed the indirect lending program for Keesler Federal Credit Union from inception. Responsible for all aspects of starting this program from securing lending platforms with RouteOne and DealerTrack, implementing as Project Manager the merge between RO/DT, loan operating system and core system. Developing a team of 4 Credit Officers and 4 Dealer Service Representatives to handle over 2100 applicaitons per month and contracts over $10MM. Through this process, we were able to grow the department from zero originations to over $249MM in originations, with static pool charge-offs of .53% and delinquency of .43%Servicing 55 dealers in MS, AL and LA with KFCU having over 20% market share.

Developed and oversaw product positioning through educating automobile dealers on credit procedures and marketing throughout Midwest territory that included all of Illinois, Indiana, Iowa, Kansas, Minnesota, Missouri, and Wisconsin. Identified opportunities for market penetration via credit enhancement, volume development and profitability. Worked in conjunction with Credit Manager in developing policy and procedures.• Spearheaded volume increase of 400% over 3 years through complete overhaul of low performing credit and sales throughout division – raised monthly net volume from 6 million per month to high of 30 million per month. Motivated and trained credit, funding and sales team, replaced under-performing members as necessary and improved employee communication and metric data to develop highly effective team.• Increased and maintained high productivity in within one year through teamwork development methodology between credit and funding and continuous process improvements – slashed turn time of in-house contracts to <2 days and improved dealer relations and employee morale in 9 months.• Generated 16.93% net after tax profit on 583 million in volume from January 2006 to June 2008. Increase in ROE through identification and resolution of application and vehicle fraud from large volume dealers – pioneered “watch list” process between sales and credit to create plan of action and terminate violations. Awarded Profitable Growth Star in 2005 (only one issued in Auto Finance division).

Vice President – Regional Operations Manager, Calgary, CanadaManaged all branch operations and sales in Western Canada. Responsible for full credit, P&L and revenue accountability. Built relations and local business understanding to drive improved business.• Designed and implemented credit and sales procedure for key accounts including pricing structure, acquisition fee and participation to provide uniform approvals to dealer groups – increased business by 200% in 4 months and procedures were adopted across all of Canada.• Final underwriting authority for branch operations with lending authority to $100,000cdn. Manged branch operations via applications, book to look, exceptions, first payment defaults, participation paid and fees earned higher than company standards.Vice President – Regional Operations Manager (Credit/Sales), Minneapolis, Minnesota (1998-2001)Led regional operations for territory including Minnesota, Iowa, Nebraska and Michigan. Managed 45 team members throughout set up and opening of 9 new branches. Identified, recruited and trained 20 Area General Managers from within and outside organization. Credit Authority to $75,000.• Chief underwriter for territory. Trained and developed team members to adhere to company policy and procedures in regards to lending criteria and field underwriting. Drove loan volume growth increasing producing dealers to an average of 40 per dealer and 250 contracts per month. Average loan sized was $20,000. 5MM in net volume per branch in major markets.• Launched consultative selling method after winning over reluctant-to-change sales team and greatly improved sales calls to increase contract volume per dealer from 1.2 to 2.8 in 1 year.• Overhauled territory-overlap issues and restructured team assignments to reduce mileage from $9000 to $4500 per month. Segmented dealers into regions and type to improve efficiency

Directed local operations for Southern Arizona. Hired, trained and managed staff.Built and exceeded volume and profitability projections after only 6 months at position - led Western Region in market penetration.Underwriting all loans at branch level. Verification of employment, contract and vehicle. Credit authority to $20,000.

Branch Manger with proven track record in credit administration, collections and asset disposition. Managed underwriting of all direct and indirect loans. Versed in mortgage lending and home equity. Directed handling of bankruptcy accounts and represented company at meeting of creditors. Grew net receivables to $4MM from 2MM in 3 years. Maintained delinquency at 2.25% for 4 years on sub prime portfolio. Credit authority to $40,000.

Bloomington, Mn

Field representative handling dealer audits and collections

Bachelor Of Arts, Business Administration

Activities and Societies: American Marketing Association, Pi Sigma Epsilon, professional marketing fraternity

General Education, Business Administration

Diploma, College Prep