Tim Macphail Email & Phone Number

Greater Minneapolis-St. Paul Area

Tradition Capital Bank, along with its parent Tradition Bancshares, Inc., is a nearly $3B bank and bank holding company based in Minneapolis - St. Paul and Scottsdale, Arizona with business lines in Real Estate, Commercial Lending, and Private Banking.

ACA is an entrepreneurial $5B national auto finance company with approximately 1,500 associates established in 2007. The company is part of The Johnson Group, a private family enterprise employing nearly 4,000 associates across multiple companies and industries.

Spartanburg, Sc

Integral member of senior executive leadership team responsible for driving company growth from $1B to $5B in assets and from $250M to $1B+ in revenue while achieving industry-leading profitability levels and acting in accordance with ACA’s vision statement and guiding principles.Executive Leadership· Grew Finance and Corporate Risk Management teams from approximately 30 to 140 professionals, fostering an environment of creativity and partnership among corporate finance, capital markets, controllership, legal, compliance, and internal audit teams. · Presenter, and advisor at monthly company board / shareholder meetings. Managed investor relations with ACA shareholders and capital providers.Financial and Strategic Management· Accountable for funding all company assets across all businesses. Built capital markets platform and securitization program with over $10B issued in 40+ transactions to 100+ institutional investors and $2.5B+ in active lender commitments from 15 international and national banks. · Engineered and directed enterprise capital and cashflow planning capabilities and platform, managing annual investment and expenditures of over $3B annually while allowing continuous investment in capital-intensive growth and steering company’s maturation from cash consumer to distributor.· Directed and oversaw infrastructure and controls to manage and produce GAAP financial statements, including regulatory and management reporting to internal and external standards.Corporate Risk Management, Governance, and Infrastructure· Chaired or directed cross-functional teams across risk management and operating investments to plan and execute compliance management, enterprise financial, and loan servicing systems; CECL accounting standards; digital records custody; and expense management.· Oversaw and/or executed core fiduciary functions, including audit and compensation, tax, litigation, 401(k), medical benefits, corporate insurance, and governance.

Greater Minneapolis-St. Paul Area

Developed comprehensive forecasting and capital planning framework to enable ACA’s growth and strategic development. Originated and executed new lending and loan acquisition opportunities for ACA’s commercial lending division.

Greater Minneapolis-St. Paul Area

Post-MBA financial and strategic management program. Designed and managed financial and strategic analysis, forecasting, and action planning for $9B Home Theater operating group. Created analyses articulating, quantifying, and advocating long-term benefits of strategic growth initiatives and product assortment options, including implications to operating income, working capital, marketing programs, and consumer behavior.

Greater Minneapolis-St. Paul Area

Full-Time MBA ProgramVentures Enterprise - Carlson School of ManagementUniversity of Minnesota Venture Center, Office of Technology Commercialization

Charlotte, North Carolina Area

Corporate & Investment Banking - Structured Products, Origination and ExecutionManaged large-scale $50M - $2B capital markets projects and business development for clients in consumer asset-backed securities banking group with $100M annual revenue. Facilitated evaluation and execution of diverse strategic transactions, including financings and corporate acquisitions. Managed deal teams, workflow, and career development for junior team members.

Charlotte, North Carolina Area

Corporate & Investment Banking - Structured Products, Origination and ExecutionExecuted all phases of securities underwriting process, including data analysis, structuring, modeling, ratings, marketing, syndication, and documentation. Enabled assessment and execution of multiple investment opportunities, capital raisings, loan portfolio purchases, and financing partnerships.

Charlotte, North Carolina Area

Corporate & Investment Banking - Structured Products, Origination and ExecutionManaged credit process for large consumer asset-backed lending transactions in investment management group. Conducted surveillance and made action recommendations on $1B+ security portfolio for investment fund initiative.

Master Of Business Administration (M.B.A.), Strategic Management / Finance

Activities and Societies: Carlson Ventures Enterprise Graduate Volunteer Consultants

B.S., Business