Robert Micalizzi Email & Phone Number

Member of a six-person principal investments trading desk engaged in the purchase of a variety of consumer receivables. Played lead role in purchase transactions including new business development, document negotiation, performance analysis/forecasting, determination of due diligence scope as well as transaction valuation. Responsible for the management of credit risk, data management, infrastructure development, reporting, portfolio analysis and servicing relationships.

Member of an executive management team responsible for over $1.2 Billion in annual prime automobile loan originations and servicing of a $2 Billion portfolio. Managed three departments totaling 20 associates with responsibilities for originations, yield management, credit policy development, portfolio risk management, portfolio analysis, loss forecasting, preparation of quarterly rating agency packages, investor and rating agency presentations, data management, and reporting. Managed $2.5MM annual department P&L and provided key analytics for annual company budgeting process. Developed champion/challenger yield optimization strategies; managed implementation and results evaluation. Managed auto-decisioning process responsible for more than 90% of application volume, including development and implementation of decision rules based on historical performance. Performed financial and business modeling to evaluate proposed changes to corporate strategy.

Member of an executive management team responsible for directing business and establishing strategic objectives for a publicly traded finance company. Directed department with responsibilities including credit facility management and reporting, portfolio management, and financial modeling. Utilized statistical analysis to project portfolio performance for the purpose of acquisitions and securitizations. Prepared initial cash flow and retained yield analysis; directed the creation of final asset pools for securitization and coordinated transaction closings. Assisted in the preparation of corporate financial statements (10Ks and 10Qs). As Director of National Production, managed a staff of more than sixty engaged in the origination of non-prime automobile receivables, additionally responsible for the establishment and implementation of objectives and policies regarding credit process and operational procedure. Served as Assistant Secretary from January 1998 to April 1999

Played a key role in the planning, opening and management of a loan-processing center consisting of a staff of fifty engaged in the origination of non-prime automobile receivables. Created models to predict production capacity and profitability, forecast anticipated cash flows, and perform static-pool analysis of portfolio performance. Worked with warehouse lenders to develop funding strategies, as well as securitization pricing and profitability models.

Responsible for the management of a staff of more than forty engaged in the origination of non-prime automobile receivables. Established and implemented company objectives and policies regarding credit process and operational procedure. Developed and implemented training programs for processing center personnel covering all aspects of credit analysis, loan discounting, and credit investigation. Performed investor and rating agency presentations to provide information regarding policy, procedure, and daily operation of the branch. Developed reporting and analysis on branch operations and performance; acted as MIS/IT liaison.