JEFFERY VIVIANO ***** Eagle Run Drive

Omaha, Nebraska 68164

402-***-**** (H) 630-842-

**** (C)

abllou@r.postjobfree.com

WORK EXPERIENCE

March 2005 to January 2010 First National Bank of Omaha

Vice President of Corporate Administration

Omaha, Nebraska

Division head responsible for credit administration, documentation

operations and compliance activity for $4.1B Corporate Banking Group

consisting of Agriculture, Commercial Bank, Community Bank, Correspondent

Bank and Commercial Real Estate divisions. Member of First National Bank

of Omaha Strategic Leadership Planning Team, Credit Policy Committee and

chairman of Operational Risk Council. Member of Corporate Banking Group

Strategic Leadership Council and Loan Committee. Accountable for team

leading First National of Nebraska ($20B holding company) enterprise-wide

adoption of a business lending platform for four metro banks and twelve

affiliate banks. Designed and implemented centralized administration model

for Corporate Banking Group, developing organizational structure, processes

and procedures for nine locations. Utilized Six Sigma methodology to

realize $3.1MM in savings over two year period by reducing cycle time from

14 to 8 days, reducing critical errors from 1.73 defects per unit to 0.16,

and achieving a 1.3 sigma improvement. Also responsible for management of

$450M First National Equipment Financing, Inc. portfolio.

Vice President/Senior Credit Officer - First National Equipment Financing,

Inc. Omaha, Nebraska

Accountable for leading credit, documentation and risk management functions

for $450MM small ticket and middle-market lease and loan portfolio. Member

of senior strategic leadership team for organization, as well as member of

First National Bank of Omaha Credit Policy Committee. Performed duties of

senior credit officer, including senior credit decision-making for

organization, liaison with senior credit officers of both bank and holding

company, and risk assessment. Assisted in strategic planning for

organizational entry into asset diversification, including identification

of new markets and approval of financing programs. Restructured

origination operations to achieve a 57% improvement in cycle time and 29%

reduction in overall costs. Led team in designing and implementing new

front-end lending system, streamlining credit adjudication process for

organization. Developed training programs for credit and documentation

analysts, achieving 34% increase in efficiency.

March 2002 to March 2005 GE Commercial Finance, Fleet Services

Director of Risk Management E.

Prairie, Minnesota

Responsible for risk management functions for $1.3B Small Fleet Services

business unit serving vehicle fleets 350 in number and below in North

America. Accountable for underwriting and portfolio surveillance,

reporting performance metrics to both Strategic Leadership Team and senior

corporate risk management via monthly dashboards and quarterly portfolio

reviews. Coordinated the transition of two portfolio acquisitions ($321MM

& $115MM), and led risk management team through revamping of underwriting

processes and structuring options to reduce net write-offs by 32bps. Acted

as champion for Six Sigma projects which expanded underwriting strike zones

for both new and existing customers, provided a prospect screening tool for

sales utilization, credit and services overline reductions and reduction in

cycle time from an average of three days down to five hours.

Risk Manager - Vehicle Alliance

E. Prairie, Minnesota

Accountable for team of underwriters evaluating risk for new and existing

TRAC lease and loan customers, as well as providing management for $675MM

portfolio of vehicle lease fleets of 150 units and below. Responsible for

tracking of portfolio metrics and development of loss projections, watch

list generation and reporting to senior risk management. Assisted in

developing new processes for identifying new target markets for

organization and creating new underwriting process methods for individual

markets including direct, dealer and broker channels. Initiated system of

audit of key underwriting concepts for understanding customer backgrounds

and hazardous material transportation. Earned Six Sigma Green Belt

certification for cross functional work process project reducing total new

customer cycle time from prospect to first order from 114 days down to 31

days.

July 2000 to March 2002 CNH Capital, Inc.

Leasing Manager Racine,

Wisconsin

Direct responsibility for overseeing management functions for $850MM

leasing business unit of captive organization. Accountable for direct

management of operations unit with matrix responsibilities for marketing,

collection, litigation and asset management functions. Overarching profit

and loss responsibility for business unit, reporting to Global Vice

President of Operations. Responsible for leading business component of

first-ever securitization of operating lease portfolio, as well as

establishing and developing syndication relationships. Additional

relationship responsibilities include interface with outside investment

community as well as with senior management of both captive finance and

parent manufacturing organizations.

National Operations Manager - Diversified Financial Services Division

Racine, Wisconsin

Function as National Operations Manager for Diversified Financial Services

Division in Racine, Wisconsin reporting to Senior Vice President and

General Manager. Member of management committee establishing strategic

plan for $1B non-captive division and its associated policies and

procedures. Responsible for auditing, budgeting, reporting, transactional

funding and e-business strategies for division. Accountable for interface

with parent company audit, legal and securitization functions. Handle

process flow analysis for division, as well as revamping of transactional

documentation and lien perfection issues. Duties ultimately added include

responsibility for repossession and litigation management teams servicing

the non-captive portfolio.

August 1999 to June 2000 LINC Capital, Inc.

Director of Operations - Vendor Services Division

Chicago, Illinois

Responsible for the overall operations of the five business unit division,

including the transition of operational activity from the regionally

located business units to home office in Chicago, Illinois, reporting to

divisional general manager. Participated in strategic planning for both

the corporation and division, including the consolidation of business units

into the vendor services group. Handled evaluation and hiring of managers

and staff for division. Collaborated with senior management and systems

group to develop e-commerce strategy for corporation, including proprietary

e-LINC integrated front-end system. Worked with systems group to add Fair,

Isaac scoring model into front-end system, as well as outlining initial

overlays for eCredit integration of rule sets for model, and operational

presentation of e-LINC system to corporation and its business units.

Revamped existing workflows to streamline a new consolidated process for

division. Established new guidelines with regard to qualification of

vendor and broker relationships. Operating systems utilized include

InfoLease and LeasePlus.

April 1998 to August 1999 CCI-Triad/Triad Systems Financial

Corporation

Senior Credit Manager/Credit & Lease Operations Manager

Austin, Texas

Responsibilities include acting as senior credit manager in charge of

establishing credit policy and procedure for parent company, and

functioning as credit & lease operations manager for leasing division of

organization. Oversaw transition of leasing operations from Livermore,

California to Austin, Texas as a result of the acquisition of Triad Systems

by Cooperative Computing, Inc. Handled transitional issues involved with

the joining of the two organizations with regard to credit and leasing;

interviewed, hired and trained entirely new credit and leasing staff.

Coordinated with Decision Systems Inc. leasing computer software

conversion. Revamped credit processes for both the corporation and leasing

company, and developed a leasing documentation department. Involved in

decision making process for lease operations including establishing and

maintaining discounting relationships with lending partners, establishing

rate guidelines, assisting in the determination of compensation for sales

organization, and strategic planning for leasing company. Responsible for

presentations to various internal organizations on a quarterly basis

outlining processes and promotions for leasing company. Headed task force

with managers of corporation to streamline workflows and hand-offs between

departments.

September 1990 to April 1998 AT&T Capital/Newcourt Financial/Dell Financial

Services

Credit Manager/Credit Manager - Relationship

Austin/Dallas, Texas

Functioned as credit manager for Newcourt Financial in Dallas, Texas, and

as credit manager for the relationship group of accounts for Newcourt/Dell

Computer Corporation joint venture in Austin, Texas. Was responsible for

the establishment and maintenance of credit standards and operations of the

four largest customer bases of Dell for DFS. Handled establishment of

credit department for DFS, including obtaining credit resources, creating

formats for credit analysis and write-ups, filing systems, etc. as well as

development of system for ongoing credit reviews. Worked with Newcourt

senior credit management to establish credit criteria for large ticket

leasing transactions up to $70MM. Oversaw preparation of credit proposals

for Newcourt credit and investment committees. Responsible for hiring and

management of credit analysts and credit specialists, including evaluation

of skill levels, granting of credit authorities and review of employee

performance. Charged with the assimilation of employees into credit

culture of company, and trained employees in use of Lotus 123 and Lotus

Notes. Computer skills used included Word, Excel, Lotus 123, Lotus Notes

and PowerPoint. Extensive use of Internet resources in relation to

obtaining information for credit decisions.

Regional Manager of Accounts - Inventory Finance Division

Dallas, Texas

Responsible for daily operations and maintenance of relationships with

fifty inventory finance customers. Handled operational functions of

business with "end to end responsibility;" beginning with customer at

application point and following through to liquidation and disposal of

assets, if necessary. Initial decision-making responsibilities included

the establishment of original credit facility through financial statement

analysis, credit and business report review, interaction with dealer to

determine the size, scope and nature of the inventory finance credit

facility to be extended, and continued through the procurement of pertinent

documentation to properly secure the credit facility, including the proper

filing of UCC information and the negotiation of intercreditor agreements.

Maintenance of account operations included the identification and

resolution of customer inquiries and resolving collection questions while

protecting the collateral position of the organization. Accountable for

maintaining up-to-date risk ratings of dealer accounts by analyzing

subsequent and interim financial statements and dealer performance history.

Zone Credit Analyst - Inventory Finance Division

Overland Park, Kansas

Primary duties included performing credit decision-making functions for

inventory finance credit facilities for equipment dealers by analyzing

financial statements, investigating business credit references, reviewing

documentation and reporting requirements for documentation and activation

of dealer relationships. Responsible for the identification of conflicting

lienholders and the subsequent negotiation of intercreditor subordination

agreements. Extensive interface with members of sales force, as well as

individual dealers, to determine background and business plans of potential

customers, and negotiation of terms of dealer programs. Accountable for

the establishment and maintenance of dealer relationships into database of

organization, as well as reviews of existing relationship documentation and

performance assessments. Computer software utilized within this position

included WordPerfect and Lotus 123.

Senior Operations Coordinator - Leasing Services

Carrollton, Texas

Main accountabilities included obtaining and analyzing commercial credit

information, reviewing financial statements and tax returns to determine

the credit worthiness of equipment dealers and lessees, and handling the

documentation and booking of lease transactions. Decision making

responsibilities included the approval/rejection of applicants on both

secured and unsecured lease contracts, approval of dealers and brokers, and

recommendation for acceptance of leasing programs and collateral.

Designated as "high credit pen" for South Central regional processing team,

and was responsible for the analysis of largest credit transactions for the

team. Initially responsible Dallas, Texas area vendor-based transactions

as well as employee training and maintenance of vendor relationships;

progressed into handling all facets of equipment broker relationships for

the team. Primary focus began with approval process of broker

relationships and transactions with customers; position expanded into

solicitation of brokers and development of programs as well. Co-authored

broker manual now being used by organization as reference guide, and

developed committee of analysts within company to work with broker

transactions throughout the organization. Computer skills developed

included WordPerfect, Lotus 123, and Harvard Graphics.

October 1985 to September 1990 Norwest Financial Leasing, Inc.

Credit Analyst

Arlington, Texas

Initially responsible for the gathering and analysis of credit information

on commercial small ticket equipment leasing transactions; position focused

upon the analysis of financial statements and tax returns, as well as

business and credit reports, for the approval of both dealers and lessees.

Responsible for the initial implementation of dealer programs for the

branch, grading of lease receivables, maintenance of credit files and the

training of new employees. Position included experience in Arlington,

Texas and Des Moines, Iowa locations for the organization.

Assistant Collection Supervisor

Des Moines, Iowa

Accountabilities included the collection of the highest priority delinquent

leases through written and verbal communication with customers, including

the implementation of legal and repossession strategies. Experience in

training, developing and motivating collection analysts through supervisory

activities, auditing of collection accounts, and one-on-one contact.

Responsible for the achievement of bad debt goals for $20MM branch of the

corporation.

Collection Analyst

Des Moines, Iowa

Responsible for the collection of 250-300 delinquent leases per month,

employing various collection strategies including negotiation, written and

verbal communication, and legal remedies with customers in order to bring

accounts current or recommend approaches for disposing of assets.

Extensive phone work with dealers, customers and legal administrators.

Responsible for the preparation of all bankruptcy documentation and legal

retention, as well as probate court proceedings.

EDUCATIONAL BACKGROUND

Theodore Roosevelt High School Des Moines, Iowa Central University

of Iowa Pella, Iowa

Diploma - May 1981 Bachelor of Arts

Degree - May 1985

Internship - Iowa State

Legislature - Spring 1985

Six Sigma Certification 2004 GE Leadership Training

2004

Change Acceleration Process Certification 2003

HONORS AND ACTIVITIES

Elfun - GE Community Service GE Fleet Services Risk

Management Award 2004

GE Fleet Services United Way Campaign Board Member CNH Capital

Employee Award 2002

Norwest Financial Partners in Progress with DMISD Triad Systems

Financial Corporation Manager Award 1998

Member, Equipment Leasing & Finance Association AT&T Leasing

Services Employee Award 1994

Member, National Association of Credit Management Norwest

Financial Leasing Employee Award 1988

Scoutmaster, Boy Scout Troop #165 Assistant Scoutmaster

Boy Scout Troops #281 & #165

References available upon request

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