SUMMARY:

A seasoned professional with experience in commercial lending, sales and management. I have reported to executive management and the board of directors regarding; company budgets, ORE properties, business cost control/analysis, negotiated property acquisition/dispositions, staff and loan work outs. Major strengths include; developing National Sales Programs with manufacturers, structuring commercial loan terms and conditions, sales, legal documentation, communication, organization and employee supervision.


WORK HISTORY:



2003-Present ***** - ***** - Dallas TX – National Manager

Designed and developed national retail sales loan and lease plans for equipment manufacturers.
Responsible for all new business development with manufacturers and equipment dealers.
Prepared and developed national sales programs to maximize new business sales opportunities.
Structured, analyzed and developed loan/lease requests on industrial and commercial equipment sales.
Developed sale-lease back proposals on commercial and industrial equipment.



***** Case/New Holland, Soris - Dallas TX – National Retail Manager CE/AG Equipment.

Structured and analyzed construction and equipment leases and asset based loan requests.
Prepared and developed business policies and procedures to maximize risk/reward opportunities.
Hired and trained sales, credit, operations/collections and new business development staff.
Worked closely with outside sales to generate new customers and develop new business.
Managed and developed a $350 million loan/lease commercial loan portfolio.
Personally generated $12M in new sales in Arizona and Kansas in 2002 to new customers.
Reviewed and approved Construction Equipment Dealer requests for financing.
Developed and directed staff on all National Business Sales Programs.


***** CitiCapital - Dallas TX – National Wholesale Lending Manager Construction Vender ***** .

Structured and analyzed construction equipment leases, retail and asset based loan requests.
Worked closely with internal and external staff to negotiate new loans and generate new business.
Prepared and developed business policies and procedures to maximize risk/reward opportunities.
Managed and supervised the wholesale & retail loan and security documentation departments.
Negotiated and approved all wholesale & retail dealer security documents and inter-creditor agreements.
Re engineered and managed the wholesale manufacturer-funding relationships in excess of $10m daily.
Designed and developed the National Loan Database encompassing over 1400 dealers / manufacturers.
Managed the wholesale captive and non-captive floor plan vender equipment loan portfolio.
Directed the lending staff on all dealer reviews, financial spreads and non-performing assets.



1977–1995 Farm Credit Services - IL, KS, CO, IN - Senior Vice President

Structured, analyzed and developed commercial leases, retail and asset based loan requests.
Direct responsibility for the largest and most complex commercial loan and non-performing collection, work-out accounts.
Managed the commercial lending, real estate, agricultural and residential loan portfolios.
Directed the lending staff in cross selling, new business development and loan portfolio management/collections.
Supervised and directed the lending team in all phases of collections, commercial ***** , sales, real estate, retail, leases, consumer and residential loans.
Negotiated and approved all commercial security documents and inter-creditor agreements.
Managed and developed the National Dealer Point of Sale program and Regional Sales Programs.
Developed and implemented the number one marketing program in the region generating $50M in new sales.
Supervised and directed the lending staff of 16 branch offices encompassing a staff of 80.
Prepared and developed loan guidelines, policies and procedures to maximize risk/reward opportunities.
Developed a loan approval process to standardized corporate loan procedures and processes.
Prepared and presented to executive management and the board of directors on a monthly basis the Allowance for Loss, Non-Performing, ORE, Sales and Risk Management Reports.
Chaired the Association's first Board of Director Business Planning - Sales Conference.
Created and developed the National Custom Cattle Feedlot Sales Program.
Created and developed the National Farm Loan Express Sales Package.
Marketed Other Real Estate (ORE) inventory properties 25% to 30% above appraised ***** pleted internal loan audits, collateral examinations and due diligence portfolio acquisitions.
Created and development an internal risk monitoring program.
Achieved the Leader of the Month Sales/Marketing award for 25 consecutive mo.