MICHAEL RUSSELL

*** ******** ******, ******** ****, ON L4C 3Y9 C: 647-***-**** H: 905-780-

0628

acoyy1@r.postjobfree.com

EMPLOYMENT

LiftCapital Corporation, Etobicoke

(Commercial Leasing, Toyota Lift Trucks Portfolio, Aircraft, Franchise

Financing, Condominium Financing)

Credit Manager

04/2012- 10/2014

Reviewing, Underwriting, Policy Development, Origination Development

. Review and approval of equipment leases originating from across Canada

. Adherence to all company policies, procedures and controls.

. Utilizing both French and English proficiency in broad range of

applications and geographic locations.

Achievements:

. Worked with origination partners and with sales to develop a

streamlined origination, application process for new deals

. Ongoing Portfolio Management

CLE Leasing Enterprises Ltd, Burlington

(Commercial Leasing Portfolio, Canadian originated commercial leases)

Credit Manager

05/2011- 10/2011

Reviewing, Underwriting, Policy Development, Origination Development

. Review and approval of equipment leases originating from across

Canada, up to $250 thousand

. Adherence to all company policies, procedures and controls.

. Utilizing both French and English proficiency in broad range of

applications and geographic locations.

Achievements:

. Worked with origination partners and with sales to develop a

streamlined origination, application process for new deals

. assisted in development of Credit Analyst

. learned "B" type Credits and their nuances

CMB Canada Mortgage Brokers Inc., Bolton

(Mortgage Broker licensed under Financial Services Commission Ontario)

Vice President, GTA

08/2010- 05/2011

Origination, Client prospecting, structuring, credit pricing, negotiation

and presentation of proposals to clients.

. Relationship management Clients and Lender Partners.

. Fee Based Remuneration.

ScotiaBank, Toronto

(Commercial Portfolio of Greater Toronto Area, operating lines of credit,

term financing, leasing, cash management products.)

Senior Credit Solutions Manager

08/2008- 05/2009

Risk analysis, structuring, credit pricing, negotiation and presentation of

proposals to clients.

. Review and relationship management in partnership with Client

Relationship Manager.

. Contributed to profitability of assigned commercial portfolio.

. Credit exposure ranging from $1 Million to $50 Million.

. Managed Credit Solutions Analyst providing coaching and counseling.

CitiCapital Canada, Toronto

02/ 2007- 08/2008

(National Leasing and Finance provider of transportation assets, industrial

equipment, material handling equipment working closely with manufacturers

and distributors.)

Senior Credit Manager (Bilingual)

Underwriting, structuring and providing sound credit decisions on multiple

product lines and multiple finance solutions. Utilizing French language

skills for French speaking clients.

. Review and approval of equipment leases and loans originating from

across Canada, over $1million and up to $25 million

. Annual reviews of larger exposure accounts.

. Adherence to all bank policies, procedures and controls.

. Development and approval of vendor/manufacturer source accounts.

. Responsible for marketing and customer relations with existing

external sales origination sources.

Achievements:

. Worked with sales to develop a streamlined origination, application

process for new deals

Wells Fargo Equipment Finance Co., Toronto

10/2005- 02/2007

(National Leasing and Finance provider of mid-market equipment financing.)

Senior Credit Analyst and Asset Manager (Bilingual)

Underwriting finance requests and providing remediation solutions and

recoveries on distressed financing. Utilizing French language skills for

French speaking clients.

. Review and approval of retail credit applications originating from

across Canada.

. Annual reviews of larger exposure accounts.

. Licensed OMVIC representative for Wells Fargo Equipment Finance Co.

. Responsible for management and liquidation of repossessed and end of

lease equipment across Canada.

. Development and approval of vendor/ manufacturer source accounts.

. Marketing and customer relationship management with existing external

sales origination sources.

CIT Equipment Finance, Burlington

03/2004 - 09/2005

(National Leasing and Finance provider of multiple product financing.)

Account Executive

Origination and client management in Eastern Ontario multiple product

territory.

. Responsible for the Fleet and Retail Owner Operator Credit

applications originating from Ontario Dealerships.

. Promoting financing programs and creditor insurance programs to Dealer

Finance and Insurance Managers.

. Extensive prospective Customer visits and calls to assist in sale of

equipment through financing solutions.

. Initiate calls and meetings with prospective Customers to obtain

required credit information, package credit solutions and seek

approval for lines of credit.

. Preparing rate quotations, lease and loan quotations for prospective

Customers and for Dealership Salespersons.

VFS Canada Inc. formerly Volvo Commercial Finance Canada, Aurora 01/1998-

03/2004

(National Captive finance company for Volvo Trucks, Mack Trucks, Volvo

Construction Equipment and Prevo Bus products. Leasing and financing

solutions from inventory financing at Dealerships to end user financing.)

Financial Sales Specialist

01/2000- 03/2004

Origination and credit underwriting of retail finance and lease products

working closely with Dealership Clients to assist in product sales and

improved Volvo brand market share. Client relationship continual

improvement.

. Managing the Fleet and Retail Owner Operator Credit applications

originating from Ontario Mack and Volvo Truck Dealerships.

. Responsible for Volvo Construction Equipment retail financing

originating from Strongco and Champion Construction Dealerships.

. Promoting financing programs and creditor insurance programs to Dealer

Finance and Insurance Managers.

. Extensive prospective Customer visits and calls to assist in sale of

equipment through financing solutions.

. Initiating calls and meetings with prospective Mack Truck, Volvo Truck

and Volvo Construction Customers to obtain required credit

information, package credit solutions and seek approval for lines of

credit.

. Preparing rate quotations, lease and loan quotations for prospective

Customers and Dealership Salespersons.

. Preparing formal presentation materials for seminars, reference

manuals, promotional launches in PowerPoint and applicable media.

. Completing security documentation and ensuring fundings are completed

in accordance with Provincial Security Laws.

Achievements:

. Improved the Company's proportion of units financed to total units

sold to 36% overall.

. Maintained a profitable portfolio and achieved individual territory

portfolio growth

. Instrumental in the ongoing planning and implementation of Mack

Commercial Finance Canada-initiated in October 2001.

Volvo Commercial Finance Canada Inc., Aurora 01/1998- 01/2000

Fleet Credit Analyst

Responsible for the Fleet and Retail Owner Operator Credit applications

including reviewing and approving transactions. Approvals in excess are

reviewed and recommendations are made to the Credit Manager

Achievements:

. Successfully manage to converse in French, when required, for Quebec

based customers

. Created a log of all Fleet customers with information required to

track and monitor financial information and credit review dates

Newcourt Credit Group Inc., Toronto 02/1997-

01/1998

(National finance solution provider of wholesale inventory financing for

multiple recreational product offerings.)

Senior Credit Analyst

Credit underwriting and finance structuring of inventory floorplan clients

throughout Canada.

. Responsible for the Manufacturer and Distributor Credit Files

including reviewing and submitting for approval to the Vice President

& Director Credit

Achievements:

. Successfully completed credit reviews on Newcourt's largest

Manufacturer Credit Files

. Developed a Credit Review Procedure and a Credit Review Scoring

worksheet for the presentation of the Manufacturer Credit Files

. Successfully obtained required legal documentation from Newcourt

Manufacturers

Transamerica Commercial Finance Corporation, Mississauga 08/1995 -

02/1997

(Leading National wholesale inventory financing provider of multiple

products working exclusively with International manufacturers and

distributors.)

Senior Credit Analyst/Customer Service

(Credit underwriting and structuring of small to mid-market wholesale

clients throughout Canada. Active in operational maintenance of all

accounts.)

. Responsible for the Ontario Portfolio of Credit Files including

reviewing and approving up to $450 000

. Reviewed and reported on the company's exposure on "risk" accounts

. Trained and assisted other Credit staff with security related issues

and with credit analysis queries

Achievements:

. Developed and initiated a Credit Review Procedure with the Sales

department to reduce the process and eliminate duplication

Ingram Micro Inc., Weston 04/1993 -

08/1995

(National Distributor of computer equipment, software and peripheral

equipment.)

Senior Credit Analyst/Sales Support Facilitator

Structuring and underwriting largely open account clients and establishing

secured lines of credit to facility sales expansion.

. Responsible for reviewing and approving up to $80000 Credit Lines

. Created and maintained a customer database with vital credit

information such as credit line, availability of financial

information, fiscal year end and security on file

. Performed extensive visitation of Customers from across Canada and

prepared detailed summaries of the visits

. Presented seminars to the employees of the Credit Department on such

topics as Personal Property Security Act, Guarantees, Subordination

of Shareholder Loans and the Quebec Civil Code

Achievements:

. Established a Credit Review policy and procedure which resulted in an

overall decrease in the review process and increased credit lines

. Developed interpersonal skills to understand customers' needs and

assist Sales to meet and exceed customers' requirements

ITT Commercial Finance, Mississauga 06/1988-

04/1993

(Leading National wholesale inventory financing provider of multiple

products working exclusively with International manufacturers and

distributors.)

Area Credit Analyst/Operations Analyst 1990 - 1993

Credit underwriting and structuring of small to mid-market wholesale

clients throughout Canada. Active in operational maintenance of all

accounts. Performed Branch operational audits across Canada.

Achievements:

. Improved relations between Head Office and Regional offices through

quarterly visits

. Implemented priority requests procedures to decrease approval time

MIS Account Manager Toronto Branch` 1990

Achievements:

. Maintained minimal bad debt portfolio and maintained a monthly

Interest collection efficiency of at least 95%

Field Service Representative Toronto Branch 1988-1990

Achievements:

. Succeeded in generating additional business opportunities through

existing dealer base

. Shared and trained new hires and completed performance evaluations

EDUCATION

University Of Toronto, St. George Campus

Degree: BA Sc in Chemistry and Environmental Science

Seneca College

Courses: Conversational French

Independent Mortgage Brokers Association

Licensed Mortgage Agent Province of Ontario

SKILLS

Microsoft (Excel, Word, PowerPoint), Lotus, Quattro Pro., Quicken

LANGUAGES

English and French

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