Michael Carlucci Email & Phone Number

Duluth, Georgia, United States

• Single credit authority of up to $1 mln ($4 mln four-eye) focusing on consumer and commercial Agricultural/Construction credit applications submitted by a large dealer network located in both the U.S. and Canada. • Work with both internal and external sales force to close deals that fall outside of scoring parameters and company guidelines.• Utilize personal and company financials, as well as Paynet and Dun & Bradstreet in analyzing requests for larger dollar transactions.• Spread financial statements in Moody’s CreditLense on larger dollar exposures and risk-rate customer in CRE.• Basel Compliance SME for the Retail credit side of the business with monthly reports completed and sent to global corporate compliance. Have achieved all monthly compliance goals and accuracy parameters set by corporate compliance.• Handle all credit reviews from Workout and Litigation for distressed customers needing extensions, refinances, transfers of equity, etc.Accomplishments:Trained several new Underwriters during my tenure with the company. Training included all AGCO Finance systems, as well as underwriting requirements, policies, procedures and reporting.Completed a formal credit training program (Commercial Lending) offered by Moody’s.

Duluth, Georgia, United States

• Credit authority of $200k focusing on both commercial and consumer credit applications for Agricultural/Construction equipment submitted from a dealer base totaling over 1000 nationwide.• Utilize consumer credit bureaus, Paynet, Dun & Bradsteet, personal financials/tax returns, and business financial statements to analyze credit worthiness and structure deals according to risk.• Prepare credit write-ups (Concurrency Requests) for presentation to Credit Manager and Credit Director on larger credit requests resulting in over $500k exposure. • Handle high call volume from dealer base regarding technical questions regarding internal credit software (Showroom), finance programs and alternative payment plans (Annual, semi-annual, quarterly, skip-pay options).• Work closely with the funding department to rectify contract compliancy issues; communicating with the dealer any discrepancies and modifications that may be needed.• Consistently average less than 10 minute turnaround for consumer applications and 20 minutes for commercial requests.Accomplishments:Selected by Credit Manager to manage relationship with company’s 3rd party vendor, Iron Mountain, to ensure proper scanning and maintenance of contracts totaling over 20k processed per month. Responsible for communicating directly with Iron Mountain management to resolve scanning and logistical issues. Tracking and reporting results to Credit Manager on a weekly basis.Chosen by Management as a subject matter expert in company’s new online credit software (Showroom). Helped to train dealership employees in all aspects of set-up and submittal of credit proposals. Resulted in over 800 dealerships successfully utilizing the new credit software in a 2-month period.

• Credit authority of $500k focusing on credit and financial statement analysis. Extensive knowledge of personal and commercial credit bureaus, Dun & Bradstreet, Paynet and both personal and company issued financials. Communicated findings both verbally and in writing to senior level credit officers on larger credit proposals. • Maintained strong business relationships with over 30 dealerships on the east coast resulting in annual acquisitions of over $50 mln. • Contract Compliance Specialist overseeing East Region contract response time. Worked closely with the funding department ensuring the legality and completeness of all contracts. • Assisted in Wholesale Credit line renewals by conducting on-site audits of dealership’s third-party leasing operations, ensuring proper documentation and insurance guidelines were being met. Had zero credit lines expire in 4 years.• Assisted in the training and development of analysts. • Developed reports and scorecards identifying risks and opportunities for assigned dealer network and created incentives to exceed bold goals.• Analyzed, created and filed dealer UCC filings and lien searches ensuring compliance with internal regulations.Accomplishments: Selected by Region Director to supervise and train an entirely new Regional Credit Department during company consolidation project in 2008. Developed training material and presentations on International products, Navistar credit standards, company procedures and the auditing process. Mentored new analysts on proper credit investigation techniques and relationship building skills. Assigned by management to exclusively handle business relationships with outside creditors, specifically in the negotiation and facilitation of Inter-creditor and Letter of Credit agreements.Elected by Credit Manager as Senior Procurement Specialist supervising all east region analysts in proper contract analysis and response time.

Credit authority of $150k with specific focus on credit proposals and growing the business.Consistently had the quickest turnaround time in the department with 85% of decisions being communicated to dealers in less than 2 hours.Assisted Senior Analysts with larger fleet deals by spreading financials in Moody's.Rewarded with numerous PERC awards by both internal and external customers honoring superior customer service skills and results that exceeded expectations.

Collected on a large, multi-dealership base of severely past due auto credit receivables. Consistently exceeded objectives and cut 30 day delinquency in half, from 4% to 2% in assigned territory.Processed extension, refinance and demand requests.Superior skip-tracing skills and advanced training in Choicepoint, Lexis-Nexis, Fast Data and other tools for collateral recovery.