I am responsible for developing and managing a team of commercial bankers to grow the Bank's market share and provide outstanding service to our clients.

- Responsible for driving revenue through middle market portfolio growth and building value added relationships with new and existing customers.- Proactively managing existing loan portfolio including performing risk rating and periodic reviews.- Responsible for loan structuring, loan documentation, client negotiating, and pricing. - Responsible for prospecting and creating new relationship opportunities.

- Responsible for driving revenue through middle market portfolio growth and building value added relationships with new and existing customers.- Proactively managing existing loan portfolio including performing risk rating and periodic reviews.- Responsible for loan structuring, loan documentation, client negotiating, and pricing. - Responsible for prospecting and creating new relationship opportunities.

- Responsible for driving revenue through portfolio growth and building relationships with new and existing customers. - Proactively managed a loan portfolio of more than $60MM including performing risk rating and periodic reviews.- Responsible for loan structuring, loan documentation, client negotiating, and pricing. - Responsible for prospecting and creating new relationship opportunities.

- Responsible for the development, implementation and management of credit workouts and/or the disposition strategy on assigned assets.- Managing/consulting a portfolio with hard exposure in excess of $50MM.- Performed and assigned risk ratings to borrowers based on their probability to default and loss given default- Well-developed in loan structuring, loan documentation, client negotiating, and workout management expertise. - Negotiate directly and independently with all parties including the borrowers, attorneys, consults, or auditors. - Preparation and completion of quarterly reporting on distressed assets which include reserve calculations and risk rating.

- Manage dealership’s wholesale portfolio in excess of $15MM - Develop and maintain mutually beneficial relationships with Dealer Principals and interoffice personnel for fifty-two dealerships within my territory - Collaborate with Dealer Principal and Financial Officer to ensure financial strength of dealership is in compliance with corporate lending standards - Develop and execute strategies with the Retail Credit Analyst to acquire and maintain an acquisition portfolio in excess of $50MM - Market programs and products to dealership personnel and provide consultation and training as needed

- Analyzed monthly financial statements ensuring proper capitalization for 40 wholesale dealers with combined outstanding in excess of $150MM - Performed accounting adjustments to produce a clear and concise picture of the client’s financial position - Collaborated with three area Dealer Relations Managers, developing strategies to address dealer trouble situations - Assessed risk involved with dealership credit files, submit with recommendation to management - Posted the highest scores in the country while completing the Accelerated DRM Program

- Analyzed risk associated with retail/lease credit offerings for two markets (Indianapolis & Lexington) - Member of pricing committee, determined CF’s current position in the market versus their return on equity - Developed mutually beneficial relationships with dealership employees and negotiated credit decision terms - Formulated and implemented strategies with area Dealer Relations Managers to increase acquisitions and portfolio quality

- Performed physical audits and liquidity analysis- Identified and communicated potential risk factors, such as sold and unpaid inventory - Developed rapport and mutual respect with dealership employees

- Managed a retail and lease portfolio in excess of $625 million- Analyzed trends and developed strategies to minimize losses and delinquency - Manged a team of 12 employees, administering schedules and quarterly/annual reviews - Coached, mentored, and trained staff on an on-going basis, ensuring consistent peak performance

- Primarily responsible for mitigating losses throught the collection or liquidition of retail assets.- Investigation to locate consumers and/or collateral associated with delinquent retail or lease accounts - Efforts were nationwide with addional experience globally.- Built mutually beneficial relationship with third-party venders

- Negotiated repayment terms with delinquent consumers - Resolved customer service issues/concerns - Prepared and analyzed daily delinquency reports