Robert Fox, Mba, Msm Email & Phone Number

Detroit, Mi, Us

Troy, Mi, Us

• Support the existing client base, ensuring high levels of satisfaction and retention.• Collaborate with internal colleagues to ensure customer needs and training needs are fulfilled.• Analyze the market and competitors, identify and develop the PIN products unique selling propositions and differentiators.• Identify opportunities for new products, services, and distribution channels that will lead to an increase in sales.• Explore and develop strategic partnership opportunities, leverage existing partners as well as other JDP business units.• Design and implement “go to market” strategy for new products and new markets

Fort Washington, Pennsylvania, Us

Formulate and manage short/long term strategic goals and guild the lending activities for a $2 Billion financial services company• Provide leadership and guidance to the management of all lending departments which include: consumer, residential 1st mortgage, indirect auto, credit cards, commercial real estate, C&I, participation, and collections• Actively participate in preparation of the annual capital and operating budgets. Prepare and administer budgets for departmental direct expenses.• Research, develop, implement, and administer lending policies, procedures and practices• Responsible for ensuring and achieving maximum profitability in delivering lending products and services to its members while providing exceptional member service• Perform process improvement, ensure regulatory compliance, and participate in asset/liability management.

Philadelphia, Pa, Us

Formulate and manage short/long term strategic goals and guild the lending activities for a $2 Billion financial services company• Provide leadership and guidance to the management of all lending departments which include: consumer, residential real estate, auto, credit cards, commercial real estate, C&I, participation, and collections• Actively participate in preparation of the annual capital and operating budgets. Prepare and administer budgets for departmental direct expenses.• Research, develop, implement, and administer lending policies, procedures and practices• Responsible for ensuring and achieving maximum profitability in delivering lending products and services to its members while providing exceptional member service• Perform process improvement, ensure regulatory compliance, and participate in asset/liability management.

Senior management position reporting directly to the CEO, responsible for setting and managing the strategic direction of lending activities for a $366 million credit union. Provide leadership and guidance to the management of all lending departments. Research, develop, implement, and administer lending policies, procedures and practices. Determine the overall direction of lending initiative. Lead the preparation, strategic planning, and review of annual lending plans to accomplish income goals. Conduct profitability and credit risk analysis across all loan delivery channels, develop new programs, perform process improvement, ensure regulatory compliance, and participate in asset/liability management.Lending activities include consumer, residential real estate, auto, credit cards, commercial real estate, C&I, participation, and SBA lending.

New York, New York, Us

Responsible for managing the business development and sales activities of the CitiFinancial Auto / Chrysler pass-through financing program throughout Michigan, Ohio, Indiana, and Kentucky. Primary job functions include: Strategic business planning for the assigned region, direct to dealer sales and training activities, manage and facilitate all training and sales activities with Chrysler Dealer Relationship Managers and business center personnel, relationship building with Chrysler personnel and management reporting of key performance metrics. Serve as a liaison between Regional Chrysler Business Center and CitiFinancial Auto Operations and Management teams. Complete program knowledge including but not limited to operations, logistics, sales and communications.

Fort Worth, Texas, Us

Responsible for attaining AmeriCredit’s originations objectives for the Michigan Region. Provide input and execute the sales strategies for the territory as well as provide leadership to sales team, consisting of eight district sales managers throughout the state. Hire, train and develop all sales representatives, which include: product training, sales techniques, and conflict resolution. Deal with auto dealership problems and issues that area sales representatives may have trouble handling. Play a key role between sales, operations, credit and senior leadership.

Columbus, Ohio, Us

• Completed profit and loss responsibility, managing income and expenses of over $2 million annually.• Responsible for line of business data for: call reports, exams, audits, and compliance• Responsible for contributing line of business data for financial reporting, taxes and FR2900 reporting • Integrally involved in strategic planning and investments as well as monitoring and regional board follow-up • Managed collections and call center operations; decreased first payment defaults to less than 54 basis points of loss. • Increased operational efficiencies through progress improvements and decreased expenses by 10 percent.• Managed expected risk losses on loan portfolio go down to 1994 levels, a decrease of 52 percent.• Managed over 600 business relationships and 65 member staff. • Managed employee turnover to less than one employee per year from 2001-2006.• Originated and managed commercial portfolio in excess of $50 million. • Retail and commercial lending authority up to $10 million.

Mba, Accounting & Finance

Msm, Strategic Leadership / Human Resources

Bs, Corporate Finance