Gender

Male

Location

Raleigh, NC

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AUTO FINANCE PORTFOLIO MANAGER CONSUMER CREDIT RISK MANAGER Extensive auto lending experience with Indirect and Direct channels, with a unique understanding of the balance needed between risk and reward. AUTO LENDING/RISK MANAGEMENT EXPERIENCE Risk-based pricing, credit risk oversight/support, loan administration, loan reviews, risk and trend analysis, score migration studies, portfolio management and profitability analysis at the state level, dealer level and loan level. • Super-Prime, Prime, Near Prime, Sub-Prime • Start-Up/Expansion Operations, Established Operations and Turnaround Operations • Top U.S. Banks and Credit Union • Indirect and Direct • Multi-State and Multi-Region Territory Management Experience in 21 different states, including: North Carolina, South Carolina, Florida, Georgia, Virginia, Maryland, Pennsylvania, Delaware, New Jersey, New York, Connecticut, Massachusetts, Vermont, Texas, Tennessee, West Virginia, Alabama, Arizona, Utah, Colorado, Nevada Specialties♦ Risk Analysis ♦ Market Analysis ♦ Credit Analysis ♦ Strategic Planning ♦ Business Development ♦ Product Development ♦ Work Flow Management ♦ Staff Management ♦ Business Continuity ♦ Team Building ♦ Operations Management ♦ Competitor Analysis ♦ Trend Analysis ♦ Relationship Management Experience VP-Auto Lending Coastal Federal Credit Union Nonprofit; Banking industry 2008 – Present (3 years) Manage auto lending division, indirect and direct, for the credit union. Indirect Auto Finance Consultant Coastal Federal Credit Union Nonprofit; Banking industry 2008 – 2008 (less than a year) Performed analysis of auto loan portfolio for soundness, profitability and growth with emphasis on credit policy, pricing, risk management processes, market analysis, dealer profitability, business line reporting, dealer management, collections, contract funding, program criteria and guidelines, collateral severity, competitor analysis, process efficiencies and quality control. VP-Credit Operations Manager Indirect Auto Finance Sovereign Bank Public Company; 10,001+ employees; SOV; Banking industry 2006 – 2008 (2 years) • Developed business strategies, recruited staff and implemented business model for start-up operation in the Southeastern U.S. • Managed indirect auto line of business to become the # 1 producing region for the Bank within the first six months of operation. • Expanded business operations and leveraged relationships to become the # 3 bank in the Southeast footprint during the first year of operation. • Increased production per internal guidelines and grew the portfolio from $0 to $2 billion within 18 months. • Brought long-standing relationships to the Bank, adding 700+ dealer accounts within the first year. • Managed a 20 person staff and directed business operations, which averaged $150 million/mo. in production. • Monitored performance through detailed credit loan reviews and trend analyses on the $2.2 billion Southeast portfolio. • Maintained a 40% conversion ratio ensuring optimum business levels and efficiencies. David has 10 recommendations (4 reports, 4 co-workers, 2 clients) including: 1st Tom Turner, Credit Analyst, Sovereign Bank 1st Kelly Trotta, Assistant Vice President, Sovereign Bank VP-Credit Operations Manager Wachovia Dealer Services Public Company; 10,001+ employees; WB; Financial Services industry 1995 – 2006 (11 years) • Developed sales strategies and portfolio management to consistently achieve a Top 5 bank ranking in respective markets. • Led credit team to become # 1 producing region for the Bank. • Spearheaded expansion efforts into the state of Texas, growing the state portfolio from $0 to a monthly average of $12 million within a 6 month period. • Supervised a credit team that produced $100+ million monthly with receivables over $1.7 billion. • Analyzed risk and maintained profitability in assigned portfolio with 90% of the assigned dealer base meeting targeted ROA’s. • Built and fostered relationships with 3,000+ dealer customers. David has 5 recommendations (1 report, 2 co-workers, 2 partners) including: 1st Jeff Norris, Relationship Manager, Wachovia Dealer Services 1st Suzanne Craft, Assistant Vice President, Dealer Services, Sovereign Bank Technical Products Advisor-Catalog Sales Overton's Sports Center Sporting Goods industry 1989 – 1994 (5 years) Worked in catalog sales in a call center setting, handled techincal requests on products in the catalog and supervised and scheduled 7 -10 technical staff employees. Handled customer inquiries. Worked with distributors, vendors and manufacturers concerning product knowledge and ordering items. Taught product classes on items in the catalog to order entry staff. Collected information and helped prepare the marine sales catalog. Education East Carolina University 1988 – 1991 University of North Carolina at Wilmington 1986 – 1988

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