Roy Bailey Email & Phone Number

Greater Atlanta Area

o Effectively analyzed credit bureaus, SAFER, financial statements, PAYNET, Lexis Nexis Business Reports, PACER and credit applications for Fleets & Owner Operators prior to communicating directly to banks. o Established new lender agreements with 40+ lenders ranging from subprime to A+ credit profiles. Renegotiated existing agreements to improve annual margins from .05% to 3%. o Successfully managed internal credit, pricing and underwriting for Full Service Lease & Rental customers. Assisted in growing the L&R portfolio exposure from $2M to $30M. o Recognized as a Top Performer 8 consecutive years growing the F&I portfolio from $100K - $2M annually while exceeding goals. o Oversaw the centralization of F&I duties for 18 dealerships across seven States. o Sourced, established and launched two new revenue streams “Factoring & Insurance”. o Developed and reviewed F&I benchmarks/performance reports and conducted internal audits to ensure documentation policies were being followed.o Identified qualified customer needs, developed sales strategies, negotiated and closed sales.

Greater Atlanta Area

VP, Operations Manager • Atlanta, GA • 2005 – 2010VP, Litigation Management • Las Colinas, TX • 2003 – 2005VP, Delinquency Management • Irving, TX • 2002 – 2003AVP, Branch Operations Manager • Irving, TX • 2000 – 2002Senior Dealer Credit Analyst • Las Colinas, TX • 1999 – 2000Office Manager • Atlanta, GA • 1997 – 1999Credit Manager • Birmingham, AL • 1995 – 1997Collection Manager • Birmingham, AL • 1993 – 1995Management Trainee • Birmingham, AL • 1992 – 1993o Successfully managed credit, pricing, customer service, insurance, wholesale, auditing, litigation, bankruptcy, vendor & collection agency, fleet collections, direct lease finance collections, and call center delinquency management policies for 18 years. o Portfolio receivables managed include Fleet ($900M), Agency ($600M), Litigation ($755M), Bankruptcy ($690M), E-Commerce, Environmental, Private Label and Sub-Prime ($595M).o Analyzed financial statements and credit histories to determine credit worthiness and alternative financing structures while ensuring timely turnaround of credit decisions. o Prepared and recommended retail, wholesale, and lease finance credit limits.o Reviewed performance reports and conducted internal audits to ensure policies were being followed while reporting any adverse trends to senior sales, credit, and operations managers. o Created internal controls to comply with Sarbanes-Oxley Act.o Performed financial analysis and initiated credit requests within a credit authority of $600K.o Conducted sales presentations for dealerships and potential fleet customers. o Demonstrated extensive knowledge of multi-jurisdictional regulations relating to credit, liquidation, and legal review of lease/retail documents. o Provided leadership to regional sales managers, credit managers, customers, attorneys, vendors, repossession agents, and call centers. o Maintained operating budget and communicated variance from plan to senior executives.

Six Sigma Green Belt & Black Belt, Project Management

Master Of Business Administration - Mba, Accounting And Finance

Bachelor'S Degree, Business Administration And Management, General