Mike Tracy Email & Phone Number

Alpharetta, Ga

Greater Atlanta Area

Led teams for both the credit and operations functions of a commercial finance loan portfolio. Oversaw the collections and underwriting processes, cultivated key customer relationships, and expanded a key loan portfolio for the company.- Grew portfolio outstandings 80% in 5 years.- Exceeded all profit and loss metrics for each year.- Used Six Sigma tools to streamline and improve various processes.

Established and led a credit team of credit Analysts and Administrators to handle the captive finance business for EZGO and Jacobsen. Handled all aspects of the secured lending credit function, including underwriting, documentation, collateral maintenance, and insurance. I left this position in 12/06 when I was promoted to AVP Credit and Operations at Textron Financial.-Formed a new team and transferred a $125M loan portfolio.-Obtained my Six Sigma Lean Green Belt.-Increased the # of mfg customers from 2 to over 40.

Managed the loan portfolios of approximately 15-20 Mercedes Benz dealerships in the US and Puerto Rico. This entailed underwriting new businesses, managing the automobile floorplans, managing working capital and new dealership construction loans. I left the company when they announced the closure of the Atlanta, GA office in 2003.

Managed all aspects of a credit department that serviced multiple floorplan industries, including manufactured housing, recreational vehicles, and commercial trailers. I left this company when they closed their Atlanta office and relocated it to St. Louis.