Susan Davis Email and Phone Number

• Established relationships with dealership owners, office managers, and sales managers to assist in managing inventory, $1 billion in credit lines, insurance, audits, and daily needs to operate successfully• Coordinated with the audit team, underwriting team, and account executives to monitor the daily risks associated with each dealership

• Managed credit risk for Commercial Services Group including reviewing financial statements, understanding company needs, and establishing and renewing $350 million in credit lines for individual companies• Assessed dealership operating reports, financial trends, and supplement data to identify key risks and recommend appropriate credit lines• Built internal and external relationships to gather necessary dealership information

• Established ‘one version of the truth’ methodology in credit risk reporting ensuring data reported within management, regulatory, and SEC reports was accurate and consistently presented• Led credit risk reporting team in developing 10-Q / K’s credit, country, operational, and market risk disclosures, working with business partners to establish data gathering process, and validating current disclosures continue to meet federal guidelines• Redesigned management credit risk reporting for the Risk Committees providing an appropriate level of information needed to make necessary business decisions• Coordinated enterprise wide credit risk policies ensuring Line of Business policies and procedures were within guidelines / requirements

• Managed profitability reporting team providing client level profitability information to Finance executives explaining important metrics to drive business decisions• Designed standard reports to support Corporate Bankers by including scorecards of their monthly performance to improve their ability to accurately account and manage their clients• Reduced reporting cycle time facilitating strategic decision making within the business and partnering with various finance and technology teams to ensure data integrity• Developed and coached associates within the group and through the Bank sponsored Mentoring program

• Organized plan / forecast for Cost Allocations coordinating with the Corporate Planning & Forecasting group and Business Partners ensuring accurate results• Provided analytical support to Staff and Support Groups and Lines of Business• Consolidated Goodwill, Intangibles, and Amortization of Intangibles enterprise wide for plan / forecast / actual to ensure proper allocation to the Lines of Business• Assisted in creating and facilitating the Cost Allocations Training Class for Finance associates to promote better understanding of the Cost Allocations process

• Participated in the design, construction, and implementation of an enterprise wide multi-dimensional profitability measurement system at four large financial institutions• Assessed the current processes through interviews and documentation to determine the approach needed to effectively implement a profitability system• Reconciled data differences and developed mapping process to enable conversion of historical management reporting data into new system• Analyzed, developed, and built cost allocations (rate * volume) to produce product and customer profitability monthly

• Participated in the design, construction, and implementation of an enterprise wide multi-dimensional profitability measurement system at four large financial institutions• Assessed the current processes through interviews and documentation to determine the approach needed to effectively implement a profitability system• Reconciled data differences and developed mapping process to enable conversion of historical management reporting data into new system• Analyzed, developed, and built cost allocations (rate * volume) to produce product and customer profitability monthly