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Experienced professional with background in commercial credit administration and consumer lending, leadership and sales, with significant focus on credit underwriting. I am interested in opportunities to drive change through the deployment of effective, sensible, business-focused credit risk policies. Primary industries of interest are commercial, auto and/or real estate lending. I am also interested in non-banking opportunities that value my strengths as both an individual contributor and a leader. Specialties: Extensive experience in commercial lending, including inventory (floor plan), parts, equipment, asset-based lending, secured, partially-secured and unsecured credit lines. Underwriting of lending facilities and management of staff responsible for loan and lease credit decisions and credit facility renewals. Sales and service to middle market clients and to end users. Well trained in financial statement analysis. Experienced in development of dealer & franchisee relations. Highly trained and experienced in various aspects of consumer finance including auto and mortgage lending, personal credit management, tax preparation, consumer financial education. Bank trained in automotive and commercial credit underwriting, risk rating and classification, cash flow analysis and more. Successful in improving credit quality of managed portfolios and in managing credit risk through all portions of the economic cycle.
Southern Holdings, Llc
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PresidentSouthern Holdings, Llc Nov 2012 - PresentSouthern Holdings is engaged in the purchase, sale and rental of residential real estate. Based in Denton County, Texas, Southern Holdings is located in one of the most stable and active real estate markets in the country. The company acquires residential real estate assets in various states of health and transforms them into quality residences for the retail and rental markets. Our investment in, and dedication to, the communities we serve continue to grow and flourish. We welcome opportunities to develop relationships and further the goals of our business, our clients and tenants, and our communities.I am responsible for all business activities, including acquisitions, development, asset management, tenant relations, maintenance, P&L/accounting.Our company web site is found at southernholdings.net.
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Senior Business Control Officer / AvpSantander Bank, N.A. Nov 2020 - Apr 2023Boston, Ma, UsImplementing business-focused risk management activities for the auto dealership lending section of the bank. Providing guidance on identifying, assessing and managing risk through proper procedures and controls. -
Credit Risk Review AnalystSantander Bank, N.A. Mar 2016 - Nov 2020Boston, Ma, UsMy goal for Credit Risk Review was to provide Santander management with the assurance that the policies, procedures, and processes employed by the company guide the business team to:(1) continually become more proficient in operations(2) meet or exceed regulatory expectations(3) focus on actions that delight customers and stakeholdersMy team and I have delivered assurance to our stakeholders regarding the quality of operational controls, and have made recommendations that have provided the company with opportunities to improve the bottom line by seven figures. This took place during the buildout of the Credit Risk Review function, and I was able to provide support, leadership, knowledge and direction to the buildout.
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Senior Portfolio Manager / Credit UnderwriterSantander Bank, N.A. Jan 2015 - Mar 2016Boston, Ma, UsUnderwrote credit for auto dealerships. Facility types include dealer floor plan, real estate, and lines of credit. Skills employed include financial analysis, risk rating, credit investigation, document review, compliance and portfolio monitoring.
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Credit Analyst Ii (Senior Analyst)Chrysler Capital Apr 2013 - Jan 2015Senior Analyst responsible for decisioning auto loans and leases throughout the US, with primary area of personal responsibility being California. Provides dealers with options for closing deals while providing customers with flexible finance and lease options to maximize sales and market share of Chrysler, Dodge, Jeep, Ram and FIAT products. Handles escalated dealer issues, coaches other analysts. Received Excellence Award April 2014. Became informal leader to the team by mentoring junior members and providing support to team members.(Transferred to Santander Bank to work in Chrysler Capital's dealer lending portfolio)
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Area Credit ManagerPaccar Financial Mar 2007 - Jan 2012Bellevue, Wa, UsTook over an under-performing team, successfully managed turnaround during an economic downturn. Reduced credit losses and strengthened underwriting while simultaneously building the portfolio in the face of significant economic headwinds. Improved underwriting efficiency, decreased losses and delinquency by 90% during the period 2008-2011.Supervised staff of analysts responsible for providing credit to purchasers of transportation equipment. Maintained effective wholesale and retail relationships with franchised equipment vendors. Exercised seven-figure credit authority and produced recommendations for larger credit lines. Oversaw dealer floor plan financing, including monitoring of limits, current balances, and oversight of inventory auditing. Created and delivered a 16-week training program as a pillar of departmental turnaround strategy. Instructed and mentored analysts on underwriting principles, financial analysis and proposal presentation. 100% of team members have succeeded to higher roles in the financing industry or retired at or above their then-existing position level. -
Senior Loan OfficerCiticapital Oct 2006 - Mar 2007MxResponsible for underwriting loans, leases and lines of credit under a private label financing program focused on autos and medium-duty commercial trucks. -
Ass'T Franchise District ManagerH&R Block May 2006 - Oct 2006Kansas City, Mo, UsTrained to partner with franchisees in all facets of tax office operation. Goals include ensuring adherence to company standards; monitoring accuracy of recordkeeping; assisting with business planning, site location and business development; assisting franchisees in their dealings with corporate headquarters. Also worked as a certified tax preparer for Block for the 2004-2006 tax seasons. -
See DescriptionVarious Aug 2002 - May 2006Operated own multi-vendor retail business for two years (closed at end of building lease in 2004). Ownership responsibilities included inventory management, staffing, regulatory and safety compliance, accounting and tax, pricing, vendor management. Full P&L responsibility. From 2004-06, I worked for various mortgage-related entities as originator and as a wholesale executive, then as a nationally certified credit and housing counselor and relationship manager for a credit counseling organization. My role was to educate mortgage company employees on the proper use of credit counseling as an early default intervention technique. In addition, I served as the liaison between the mortgage company and the credit counseling agencies.
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Vp / Director Of OperationsCiticapital (Citigroup) Feb 1986 - Aug 2002New York, New York, UsPromoted through branch operations to the rank of VP, where I handled wholesale (dealer floor plan) credit accounts throughout the U.S. Managed staff of analysts, made credit decisions with seven-figure authority and produced detailed recommendations for the management committee on larger facilities. Prior positions included area/branch management, sales management, and retail (end-user) credit management and underwriting. Portfolio under my management was in excess of $500 million. As a sales manager, exceeded aggressive goal of a 20% annual increase in loan production.Took an acquired portfolio with 30-day delinquency of 49% and reduced delinquency to under 1% within nine months.Introduced numerous process improvement initiatives resulting in cost savings, enhanced controls and more efficient operating procedures. One example was development and installation of a statistical model for managing dealer floor plan credit limits, resulting in a more accurate, definitive approach to monitoring limits. Managed department in aggressively-growing branch, tripling total loans outstanding over a three-year span. Increased efficiencies in order to achieve this growth without increasing headcount.Achieved seven promotions over the course of 16 years. -
Vp / Director Of OperationsAssociates Commercial Corp 1986 - 2002CitiCapital was the successor to Associates.
William Crow Skills
William Crow Education Details
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California Coast UniversityManagement -
Southeast Missouri State UniversityPsychology
Frequently Asked Questions about William Crow
What company does William Crow work for?
William Crow works for Southern Holdings, Llc
What is William Crow's role at the current company?
William Crow's current role is Senior Business Control Officer / AVP at Santander Bank N.A..
What is William Crow's email address?
William Crow's email address is wi****@****nder.us
What is William Crow's direct phone number?
William Crow's direct phone number is +121038*****
What schools did William Crow attend?
William Crow attended California Coast University, Southeast Missouri State University.
What skills is William Crow known for?
William Crow has skills like Credit, Financial Analysis, Loans, Commercial Lending, Cash Flow, Underwriting, Credit Analysis, Management, Mortgage Lending, Process Improvement, Pricing, Banking.
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