Originate new business opportunities and manage a (12) account portfolio (over 22 dealership locations) with $180 million in commitments for the Auto Finance Group. Range of products offered include: commercial floor plan lines of credit, construction and permanent mortgages, lines of credit, letter of credit and cash management. Increased portfolio by an average of $21 million per year for the past seven years while maintaining acceptable pricing margins and in some cases above market pricing. Hit or exceeded annual goals in portfolio growth and credit management objectives in each of the past seven years.Negotiated loan structure, pricing and other terms and conditions on deals ranging from single point dealerships to complex multi-franchise, multi location dealer groups.Recommended a credit management process designed to detect possible dealer problems at their earliest stages. This process was adopted throughout the company in 2007.Part of a (7) person committee to identify, select and contract an outside sales training program to be used throughout Sovereign Bank.

Responsible for opening loan origination office to service the New England region. Hired and trained credit staff consisting of (3) senior lenders. Worked closely with regional marketing staff to expand the bank's existing presence in the region.Credit Center originated $160 million in indirect retail and lease contracts during first 12 months of operationsPortfolio generated ranked favorably to company averages based on key indicators such as FICO scores, Loan to Value, and delinquency rates. Increased customer base from 98 to 225 dealershipsRegion credit staff ranked first in key service and performance indicators throughout 2001.

Managed the approval, purchasing and processing of $180 million per year of indirect consumer retail and lease contracts. Responsible for the integrity and performance of regional portfolio, which has been consistently top-ranked within the company (based on profitability, delinquency and losses). Provided reports on regional performance to corporate headquarters. Managed a staff of 12 employees. Received highest manager performance rating in the region and territory.