Manager Credit

T. Davis Larkin

Residence: 513-***-****

**** **** **** **. ****: 513-***-****

Cincinnati, Oh 45213 *************@*****.***

Qualifications Banking Professional with Extensive Underwriting &

Management Experience;

Summary Skilled in Relationship Building, Collections, Loss Mitigation,

Financial Analysis, Risk Management & Loan Structuring

Education

1995 B.A., Business Administration/ Industrial Pyschology

The Ohio State University, Columbus, OH

Computer Skills ( Moody's KMV ( Excel ( Word

Career History

Nov 2010 GM FINANCIAL/AMERICREDIT

Present West Chester, Oh

Senior Credit Analyst II

o Responsible for researching and analyzing credit

risks, assessing credit history and approving or denying

extension of credit to potential customers. This team

member has contact with other company departments, as

well as automobile dealers and other finance and credit

sources

o Analyze credit data to determine the degree of risk

involved in extending credit. Make decisions to approve

or deny the extension of credit within set credit

authority established by senior management and

state/federal laws

o Develop sufficient dealer relationships that ensure

volume objectives and credit quality

o Capture automotive finance contracts that meet GM

Financial profitability criteria for pricing and

performance

o Ensure compliance with applicable policies and

procedures

o Ensure branch office cooperation with other

departments, to maximize efficiency within the company

o Ensure all queues are worked to acceptable service

levels

o Conduct joint dealer calls with Dealer Relationship

Manager (DRM) on an as needed basis

o Perform outbound telemarketing calls to the dealer

customer

o Establish and track monthly goals for assigned dealers

o May assist Credit Manage with day to day operations

and provide training

to lower level credit analysts

Jul 2001 PNC EQUIPMENT LEASING/National City CommeRRCIAL CAPITAL/ILC

Present Cincinnati, Oh

Credit Underwriter - Cincinnati

( Approval of commercial equipment underwriting ($500K

authority): Direct underwriting services-analysis of

risk, collateral, client's repayment ability and current

market conditions-in support of 11 Relationship Managers

and 4 Program Managers

( Loan structuring, pricing & negotiating (loans exceeding

$1 million):

Make joint calls on clients and collaborate with Sales &

Program Managers in determining loan terms and

conditions; participate in final negotiations. Perform

annual reviews and write-ups on vendors and large ticket

clients and set various risk rating for future lending .

( Staff training & development: Provide credit training for

Credit Analyst; provide credit training for junior

Relationship Managers

( Achieved 125% of FY 2008 loan production goal

( Achieved default rate below 3%

Commercial Leasing Recovery Manager (July 2001-July 2005)

o Develop and implement collection strategies to minimize

bad debt on various commercial equipment and real estate

lease portfolios and control loss on daily basis plus

delinquent and charged off accounts.

o Use various methods of mitigation, asset disposition, and

legal disposition to obtain certain goals. Work with

various outside agencies, attorneys, vendors and internal

collectors and relationship managers to resolve

delinquent accounts.

o Achieved $5MM in recoveries 4 consecutive years

o Accounted for 10% of bottom line profit.

Nov 1999 Wells Fargo Financial Acceptance/ Community Credit

June 2001 San Francisco, CA

Credit Manager

Cincinnati, OH

( Assist Branch Manger in managing and directing

of the branch office.

Assure that branch objectives

and goals relating to outstandings, losses

Insurance and car sales.

Analyzing credit applications, investigation

of credit, set limitation and

approval of customers.

o Interface with potential customers on loan closings: Set

appointments to close auto, personal, and mortgage loans.

o Genrate new direct and indirect business relationdhips:

Responsible for going out and establishing vendor

relationships with auto dealerships and used car dealers.

( Collection:

Maintain 2% or less delinquency,

develop methods to control bad debt and charge offs

and institute legal and bankruptcy and repossession methods.

( Approval authority: New Vehicles of $20,000, used vehicles

of $10,000

o Consistently met or exceeded all goals

May 1996 Beneficial Finance - Branch Manager-

Cincinnati, OH

Sept 1999 ( Responsible for directing operations

of a $5 Million dollar office.

( Train and develop a staff of four to learn company

goals and objectives.

( Set daily and weekly goals and branch objectives for

branch and district awareness.

o Solicit, investigate credit and approve loans up to

$10,000.

o Collections: Responsible for maintaining 3% delinquency,

controlling charge offs, repossessions, foreclosures

withinthe branch.

o Met or exceeded all district goals and recognized six

times as branch of the month.

Professional Activity

2003-2006 Six Sigma Qualtec- national city bank

Community

Contributions

1995-Present Evans Scholars Alumni Association

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