Led team of department managers in Marketing, Credit and Funding. Servicing Automobile Dealersin 34 states to reach company’s monthly, quarterly and yearly goals. Established and maintainedcompetitive incentive programs. Maintained policies and procedures to ensure compliance with local,state and federal agencies as well as bank and securitization requirements. Developed competitivefinancing programs to meet market demands.• Over $1.2 billion financed in specialty subprime auto, with a focus on Open Bankruptcies andrecent Discharges.• Created additional revenue streams with the implementation of co-branded GAP and ServiceContract products generating over $3.2 million additional income.• Collaborated with third parties and internal Risk Department to create proprietary scoringmodels leveraging additional alternative data tools.• Marketed, planned and budgeted monthly dealer incentives, contests and loyalty programs.• Partnered with a direct mail company to deliver best in class exclusive mail lead program forauto dealers resulting in over 11 million pieces sold while generating 138,000 leads.• Project lead for Loan Origination System Development and Conversion• Supported green initiative through adoption of digital documents and e-contracting.• Quickly adopted fully remote operation during COVID restrictions allowing for ongoingsuccessful business model after restrictions were lifted.

Manage, coach and mentor 10 internal sales representatives out of the Charlotte and Raleigh sales centers that service over 1200 auto dealers in Georgia, South Carolina, North Carolina and Virginia. Ensure that volume, pricing and ROA targets are achieved. Travel to key accounts with internal and external sales reps to model sales approach and gain customer commitments. Work across departmental lines to resolve dealer issues in funding, accounts payable and fraud.

Virginia/North Carolina GroupDirected 8 loan production offices with a total of 38 FTE, servicing over 600 automobile dealers. Included supervising branch managers in credit underwriting, loan processing and dealer development. Performed periodic audits and compliance reviews to ensure that offices were compliant with, federal, state and corporate policies.

Oversaw daily operations of 9 loan production offices with up to 50 FTE, servicing over 300 automobile dealerp the western half of the state of North Carolina. • Six straight years of double digit volume growth peaking at $181mm with a CAGR of 17.9%.• Increased loan portfolio from $126mm to $342mm

Managed full service consumer loan office with 7 FTE. Originated 1st and 2nd mortgages, indirect auto loans, consumer goods, personal loans and other ancillary products. Oversaw collections and remarketing. Maintained full P&L accountability. Established new relationships with over 50 automotive and retail dealers. • Produced over $7mm profit in seven years. • Increased loan portfolio from $4.9mm to over $20mm