Customer Service Management

IMTIAZ AHMAD

**** ******* ****, # ****, *****, TX 75093, Cell: 972-***-****, Email:

********@*****.***

Skill Highlights

• Experienced lending professional in Credit/Risk/Portfolio management, including structuring,

lending, enhancing and implementing credit policies and procedures, loan reviews, and default

management of distressed and special assets.

• Strong understanding of collateral and cash-flow lending and compliance with an ability to produce

quantifiable measurement to support credit and risk decisions.

• Continually exploring and developing ideas with an approach to creating strategic alliances and

relations within the industry.

• Expeditious, analytical, innovative and clear thinking individual possessing the ability to enhance

and develop intelligence and knowledge, and grow to higher levels while taking on more

challenges.

• Dynamic personality with excellent Organizational, Interpersonal, and Customer Service skills

evidenced by a successful track record in managing staff and customer retention. Focus on team

play, inclusiveness, motivation and taking ownership.

Core Accomplishments

The Receivables Exchange (TRE)

• Built a robust department. Hired, trained, developed playbook and employees, and

implemented policies and procedures creating maximized operational efficiency.

• Minimized portfolio losses to minimal levels thus maintaining minimal default rate on entire

portfolio. Ensured that the entire lending portfolio is not exposed to losses due to failure to

protect collateral, gaps in documentation, or lender liability risks.

• Managed all assets relative to the collection of past dues, payoffs, modifications, and renewal of

maturities, integrity of credit grading and reserves, credit policy compliance, valuation,

accounting policy compliance, and integrity of credit files.

• Formulated and directed successful resolution plans and providing periodic guidance to

department supporting research, analysis and management.

• Directed the execution of creative and aggressive work-out strategies for complex portfolio, to

include litigation and bankruptcy, by utilizing strong knowledge of legal rights, and ramifications

of resolution strategies.

• Used detailed understanding of loan documentation and collateral valuation methods to

maximize recoveries.

• Participated in company’s various process enhancements and development committees.

GE Capital

• Played an integral role in assisting senior management on the factoring business liquidation

project utilizing my extensive factoring background. Exercised integration, industry knowledge

and relations to transition the portfolio to other lenders thus providing referral income for the

business.

• Assisted in managing the day-to-day operations for GE factoring till close of the operations.

Continued to monitor and resolve key factoring matters and issues for customers even after

completion of liquidation thus providing excellent dedicated support.

• Displayed strong teamwork and commitment to ABL business unit with portfolio assistance.

• Maximized client retention by playing an active role in portfolio repricing strategy formulation

and implementation for Q4 2008.

• Initiated synergy with GE Mexico to set up receivables financing. Managed to establish a good

working relationship with their team.

DCD Capital

• DCD-JS (joint venture): Conducted a comprehensive study of setting–up international factoring

business in Pakistan. Coordinated with domestic and overseas consultants, legal advisors and

management, and assisted in implementing necessary regulatory exemption and/or

amendments from Government bodies to develop factoring services adaptable to Pakistan’s

business climate and demands. Facilitated the re-factoring arrangement with GMACCF in US,

and assisted in launching factoring services with immediate visible impact on Pakistan export.

• Networked and negotiated with European banks and financial institutions to facilitate Pakistani

exports to Europe with clear intentions to increase business unit profitability and revenue

expansion.

Educational Background

• Golden Gate University, San • University of Karachi, Karachi,

Francisco, CA Pakistan

Bachelors of Science-Finance Bachelors of Commerce

Professional Experience

4/11-Present Vice President, Head of Risk –The Receivables Exchange – New Orleans, LA

The Receivables Exchange (TRE) http://www.receivablesxchange.com, is America’s first

online marketplace for facilitating small business lending via trading commercial

accounts receivable, connecting growing companies to a nationwide network of

investors that compete in real time to buy and trade commercial receivables.

• Leading a team within three divisions: Analytics and Monitoring; Default & Recovery; Fraud

Prevention & Compliance.

• Establishing, maintaining and developing effective best practices of division for the entire

portfolio exposure.

• Identification and overseeing of adverse risk trends, potential fraudulent activity, development

of effective risk reduction strategies, physical and data security, and leading all enforcement

actions including workout enforcement, while continually minimizing and preventing losses.

• Supervising financial analysis process and trends of borrowing clients, trading activities,

remittance activities, workout activities, industry trends, lien positions, adverse tax related

matters, unusual relationships or linkages, breaches of Rules and Procedures.

• Schedule monitoring and investigation of past due balances, re-engaging clients, proactive

collections approaches for clients approaching default, coordination of collections actions for

defaults, including consulting with attorneys and institutional investors. Led and worked with

legal on all matters relating to default and recovery. Effective communication regarding defaults

to institutional investors and internal TRE management.

• Conducting and supervising quarterly risk reviews across all operations departments.

• Active team participant in developing middle market business strategies, customer service and

retention.

• Assisted Chief Operations Officer in all operation departments processes utilizing personal

experience, particularly in, deal structuring, verifications, cash management, and other overall

procedures and policies evaluation.

• Training and education of risk identification, mitigation, security and fraud prevention across

company and external business partners.

• Conducting informal client due diligence visits with a specific goal of retention and relations

development.

9/10-3/11 Credit Approval Officer, JP Morgan Chase Business Banking Loan Center–

Dallas, TX

Chase Business Banking is an integral part of JPMorgan Chase providing for the financial

needs of businesses with annual revenues up to $20MM. Dallas unit is one of the bank’s

business lines that caters to the small business community.

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• Reviewing, evaluating, underwriting and approving credit requests for South East region,

utilizing advanced knowledge of credit philosophy and policies, loan documentation, bankruptcy

and related legal issues, thus facilitating Business Banking loan portfolio growth, while

protecting losses and maintaining acceptable asset quality.

• Interact with market staff and prospects to identify and quantify sources of cash flow, collateral

and individual recourse.

• Developed alternative structures, including SBA enhancements; construct supporting decision

analysis; utilize loan grading tools and determine documentation requirements; work with loan

center staff to ensure consistent adherence to regulatory obligations and bank processes;

identifying key risks and information requirements to ensure that credit facilities presented for

approval are accurately risk rated.

• Meeting with customers/prospects of the bank where the industry or credit structure is unusual

or unique.

• Providing resource to junior CAOs and RMs.

9/06-7/10 Vice President, Senior Risk Officer, GE Capital Americas, Irving, TX.

GE Capital is the leading global financial services business. Transportation Finance, a sub

division of GE Capital Equipment Financial Services, is the industry-leader in financing

for commercial trucking industry. GE Transportation Funding is the Asset Based Lending

unit with a portfolio of over $325MM in outstanding revolving lines of credit.

• Underwriting and approving new ABL relationships, and renewals, with vigilant credit risks while

supporting growth; analysis of information with a focus on audit findings obtained during due

diligence while working with field examiners, including on-site; capturing increased profitability

in line with the global objectives while minimizing losses;

• Worked with Centers of Excellence on deals and streamlining the processes; enhancement of

metrics and procedures to improve operational efficiency; negotiating documentation of

transactions that maintain high asset quality while meeting customer/business requirements;

interacted with both internal and external legal/counsels to facilitate remediation strategies and

new transaction closings.

• Represented the risk department in sales meetings; assisted in developing key portfolio and

underwriting competencies (including financial modeling, reporting, structuring, etc.) and

processes; prepare/ deliver and approve presentations to senior management to facilitate

transaction closure; preparing risk assessments and presenting with a clear and consistent

approach to mitigate political, legal, regulatory, and other risk.

• Provided support to senior management with transportation factoring operations: policies,

procedures and portfolio.

10/02-08/06 Senior Vice President, Credit/Risk/Portfolio Management, DCD Capital LLC, New York,

NY.

DCD was a commercial and trade finance company, specializing in Factoring, ABL,

Letters of Credit, with a combined portfolio of over $320MM. The company was privately

owned with an international presence, partnering under a re-factoring arrangement with

GMACCF, Capital Business Credit and Wells Fargo Trade Capital.

• Team leader, managing factoring/ABL operations and portfolio for US, Canada and Pakistan

offices with emphasis on client relationship/ retention.

• Credit and Risk management; lending analysis; review of operations controls to improve

efficiency; assessment of compliance with policies, procedures and regulations; internal risk

ratings; testing changes in underwriting; borrowing base changes; assessment of collateral

quality; audits/filed exams; trend analysis for dilution, disputes, returns, charge backs, offsets

and concentration; review and assessment of inventory valuation; analysis of

guarantors/endorsers supports; supervising lending operational activities, collateral-

monitoring engagements, due diligence reviews and internal audit functions; pre- loan

surveys and troubled loans reviews with all loan requirements.

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• Developing new business relationships, and creating strategic alliances with other lender within

the commercial finance space.

7/01-4/02 Vice President, Middle Market, Bank of America, TX, USA.

Central Business Lending Division: handling middle market credits for southwest region.

Summary: Responsible for Credit /Risk analysis and underwriting middle market commercial

credits.

4/92–6/01 Head of Portfolio/Operations, Alliance Financial Capital, Inc. (AFC) CA, USA.

AFC was a company in commercial finance space (Factoring/ABL) with an outstanding of

over $18MM. Company was privately owned and funded.

Summary: Managed portfolio/operations with direct reports. Emphasis on client

relationship and retention; participation in business development and marketing;

credit /risk analysis and monitoring.

Affiliations

• Member Commercial Finance Association- Southwest Chapter

Other

• Bank Risk Management, Credit, Compliance and Workout trainings.

• Ex-Im Bank Commercial Lending Certification.

• Dale Carnegie-Effective Leadership and Management Certification.

• Active participation in non-profit organizations and charities concentrating in providing modern

education to the underprivileged kids. Actively participate in various charitable events within

the community.

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