Manager Management

JAMES R. BATES

**** ******* **** *****

Frisco, TX 75037

Phone: 214-***-****

OBJECTIVE: Diversified management position commensurate with my skills and

experience, with broad responsibility for achievement of

company's financial objectives.

QUALIFICATION

SUMMARY: Twenty-two years of diverse experience in credit, collections,

and documentation to the rank of department manager.

Strengths include innovative use of information systems to

enhance productivity; original research into new market

niches; "thinking outside the box"; training staff; and

reviewing, interpreting, and negotiating transaction

documents. Noted for excellent leadership and communication

skills, impeccable ethics, professional attitude, and

commitment to excellence. Able to sustain high energy level

in a fast paced, multi-task environment.

EXPERIENCE:

December 2004 AIG COMMERCIAL EQUIPMENT FINANCE, INC. (Dallas, TX)

to Present

VP-Operations Manager (March 2009 to Present)

VP-Funding and Administration Manager (March 2006 to February 2009)

VP-Credit (December 2004 to February 2006)

As Operations Manager responsible for management of all activities of

the operations department related to booking new transactions

and account modifications, servicing accounts and liaising

with third party servicers, month end closings, and

coordinating efforts with provider who hosts the company's

accounting system.

As Funding and Administration Manager responsible for management of

all activities related to the documentation, funding, and

post-funding modifications of all loan and lease transactions

for the company. Developed operating plan, created and

defined staff positions, and modeled the workflow process to

commence operations of this new department. Hired, trained,

and supervised staff. Delegated staff approval levels.

Refined existing and drafted new policies and procedures.

Assisted general counsel in recruiting and training new

transactional attorney to support department. Liaised with

operations department to ensure transactions were booked in

accordance with transaction documents.

Additional responsibilities/duties as Funding and Administration

Manager included (i) drafting new and revising existing form

documents; (ii) maintaining corporate pricing policies; (iii)

assisting staff when issues were elevated to me, (iv)

managing and participating in external and internal operating

performance examinations and audits; and (v) negotiating and

closing the largest and most complex transactions.

As VP-Credit responsible for all aspects of transactions from

proposal to funding. Underwrote and structured requests for

credit. Issued commitment letters and negotiated

documentation with customers and institutional sources.

Helped bid, underwrote, documented, and funded portfolio

acquisitions and highly complex transactions.

. Supervise staff of four

. $20MM funding authority

. Closed or was the final approval authority for closing

$1.6B of new business volume from March 2006 to March 2009

. Co-lead of the effort to revise and document all corporate

workflows and to incorporate the new workflows into a new

front-end system that would link into the accounting system

. Member of Compliance Committee since inception

. Helped author white papers for new business niches

. Serve as the de-facto pricing manager and legal interpreter

for others in the organization

James R. Bates

Page Two

May 1998 TRANSAMERICA EQUIPMENT FINANCIAL SERVICES CORPORATION (Dallas,

TX)

to May 2004

Credit Manager (October 2001 to May 2004)

Senior Credit Analyst (May 1998 to September 2001)

As Credit Manager responsible for overall management of $600MM+

portfolio with $150MM+ new business volume budget. Developed,

implemented, refined, and supervised all aspects of credit

submittal and approval, documentation, and funding processes.

Hired and trained staff. Worked closely with collections

and managed assets departments to monitor or manage the

workout of bankrupt and other troubled accounts. Worked

closely with asset management department to monitor and

assist in remarketing of returned, repossessed and off-lease

equipment. Ensured division met or favorably exceeded budgets

for fee income, credit and collection expense, and bad debt

expense.

As Senior Credit Analyst responsible for all aspects of transactions

from proposal to funding. Underwrote and structured requests

for credit. Issued commitment letters and negotiated

documentation with customers and institutional sources.

Audited existing transactions and presented findings to

senior management. Also collected key accounts, managed the

workout of bankruptcy and troubled accounts, and negotiated

contract modifications and end of lease term purchase,

renewal, and return of equipment with customers. Supervised

the bidding, underwriting, documentation, and funding

processes for all portfolio acquisitions and for highly

complex transactions.

. Supervised staff of five

. $5MM approval and funding authority

. Developed, drafted, and implemented corporate policies and

procedures

. Approved $220MM and funded $170MM new business volume in

two and a half years as Senior Credit Analyst

April 1997 NATIONSCREDIT COMMERCIAL CORPORATION (Cleveland, OH)

to April 1998

Senior Credit Manager

Responsible for all aspects of transactions from credit submission to

funding. Investigated and restructured requests for credit.

Issued commitment letters and supervised documentation and

funding processes. Negotiated documentation with customers

and institutional sources. Completed audits of existing

transactions and presented findings to senior management.

. $500M single signature approval authority, $2MM single

signature funding authority

. Helped lead the winding down of the commercial equipment

finance portfolio and the transition of the vendor finance

portfolio to another NationsBanc group when the office was

closed

June 1996 THE CIT GROUP/EQUIPMENT FINANCING, INC. (Atlanta, GA)

to February 1997

Senior Credit Analyst

Responsible for all aspects of transactions from credit submission to

funding. Investigated requests for credit and supervised and

resolved issues arising in the documentation and funding of

transactions. Investigated potential institutional sources

from whom business would be acquired and worked with capital

markets on transactions to be syndicated.

James R. Bates

Page Three

May 1994 NATIONSBANC LEASING CORPORATION (Tucker, GA)

to June 1996

Documentation Manager (January 1995 to June 1996)

Documentation Specialist (May 1994 to December 1994)

Responsible for all aspects of documentation, funding, and account

maintenance for group with $900MM/year new business volume.

Hired and trained staff. Negotiated business and legal

issues for loans and leases. Established and maintained

corporate documentation and funding polices and procedures.

. Unlimited, single signature funding authority

. Supervised staff of twelve

. Negotiated, coordinated, closed, and funding all aircraft

and rail transactions

. Managed the development and implementation of a proprietary

automated documentation system resulting in a 75% reduction

in the time to prepare loan and lease documents

. Conducted work flow study to develop and institute

department realignment plan

October 1990 TEXTRON FINANCIAL CORPORATION (Atlanta, GA)

to May 1994

Credit Manager (November 1993 to May 1994), King of Prussia, PA

Broker Department Head (September 1993 to November 1993), Atlanta, GA

Credit Analyst (October 1990 to September 1993), Atlanta, GA

Responsible for all aspects of transactions from credit submission to

funding. Investigated requests for credit and supervised and

resolved issues arising in the documentation and funding of

transactions. Investigated potential institutional sources

from whom business would be acquired. Supervised the purchase

and sale of portfolios. Researched and presented new industry

and collateral types to senior management to increase product

offerings.

As Broker Department Head responsible for all aspects of transactions

from proposal to funding. Developed and maintained funding

sources. Established pricing lines for sources. Trained and

supervised two direct reports.

. Developed an operating plan and workflow process to

increase departmental efficiency

. Developed, led, and supervised process to automate existing

manual functions and processes which included (i)

developing automated spreadsheet to track credit submittals

and fundings and other "on-line" forms, spreadsheets, and

programs; and (ii) planning and presenting seminars and

developing self-help aides for various software products

new to the company

May 1988 CATERPILLAR FINANCIAL SERVICES CORPORATION (Columbia, MD)

to October 1990

Remarketing Manager (April 1990 to October 1990)

Credit/Collection Representative (May 1988 to October 1990)

Responsible for minimizing delinquency of accounts greater than 30

days past due and for remarketing repossessed and abandoned

equipment. Maintained constant communication with customers

and dealers to ensure accounts continued to be paid.

Completed due-diligence and documentation of extension and

transfer and assumption requests. Prepared and presented

month end reports. Arranged for the inspection, repair,

transportation, and sale of repossessed and abandoned

equipment.

. Led group to redesign automated collections system

. Introduced company to disposing equipment through new

channels which reduced budgeted loss by $300M

EDUCATION: Bachelor of Business (Finance), Western Illinois University

(Macomb, IL), 1988

Graduated Cum Laude

Honors Program (4 years)

REFERENCES: Excellent references furnished upon request

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