Scott Smith Email & Phone Number

Greater Atlanta Area

Responsible for all commercial underwriting activities for Eastern U.S.: Dealer floorplan / Real Estate / Capital Loans+Portfolio maintenance+Risk management+Wholesale/Auditing functions

Winston-Salem, N.C.

MANAGEMENT PROFILEBusiness Development • Operational/Regional Management • Sales LeadershipEntrepreneurial manager with a notable record of career success in the automotive and commercial vehicle lending industry. Visionary change agent adept at implementing strategic programs and solutions to drive revenue and growth goals. Persuasive consensus builder with strong negotiation skills and a history of forging sustainable internal, dealer and customer relationships. Motivational leader with a talent for developing high-performing teams. Core Competencies:• P&L Administration• Credit Loss/Cost Control• Strategic Risk Analysis• Audit/Compliance • Commercial/Wholesale Lease• Corporate/Field Operations• Collections & Liquidations• Portfolio Management • Sales & Loan Origination• Dealer/Customer Service• Status Control/Liquidation• Dealer Loan/Wholesale PROFESSIONAL EXPERIENCEFORD MOTOR CREDIT COMPANY (Subsidiary of Ford Motor Company)  GA / MI / LA / PA / NY / TX 1983-2009Manager – Ford Credit North America/Territory Sales Manager - Macon Territory (March 2006 – March 2009) Direct operations and sales management for field location with $1.4 billion in receivables servicing Ford, Lincoln-Mercury, and Trustmark brands (Volvo, Mazda, Jaguar, Land Rover). Administer retail/lease and wholesale products for 100 plus dealers with approximately $325 million in wholesale floorplanning. Analysis and approval authority for Dealer loan (Capital, Revolving, Mortgage/Construction) and wholesale facilities. Key Achievements: Chairman's Award Winner - 2006. (Top Profit, ROE, Satisfaction Indices) Dealer Satisfaction Index (DSI) for 2006: 97 Ranked 1st - Mid-Southern Region (YTD '06) in ROE: 19.1% / LTR: .16% / Op cost ratio: 1.03% Region leading Non-Fleet Market share for 2007 - 52.7%  Acquired largest Dealer wholesale floorplan in the Southeast for 2008: $14 million

Direct operations, sales and P&L for six-state region with $1 billion in receivables servicing Ford franchise and Trustmark dealers with a focus on 300+ Business-Preferred network dealers. Provide leadership for 87-member management, sales and service team. Analyze credit data, assess risk and negotiate transactions up to $35+ million for retail, Medium/Heavy duty Truck, Red Carpet/commercial/wholesale lease, wholesale floorplanning, daily rental and chassis/bailment pool finance products. Implement business development and cost control solutions for dealer programs and propose multi-million-dollar packages to senior management. Key Achievements: Grew receivables from $812 million to $995 million while concurrently slashing credit losses from $8.25 million to $1.97 million and reducing portfolio delinquency 50% (from 3.68% to 1.75%) from 2003 to 2005. Ranked #1 volume producer among eight regional commercial lending offices for five consecutive years. Assumed responsibility for $100 million dealer lease portfolio; instituted pre-closure curtailment policy to cut losses $1+ million, implemented processes to service end users and facilitated sale to affiliate with no increase in headcount. Increased Dealer Satisfaction Index (DSI) from 67 to 99 and Employee Satisfaction Index from 68 to 85. Earned three President’s/Chairman's Awards for top Profit, ROE, and Satisfaction Indices, and 2002 Breakthrough Sales award.

Ms, Business:Organizational Effectiveness And Dynamics

Ba, Political Science

Activities and Societies: President's Committee, Football, Representative Assembly, Rugby (President 1980-81)