Associate Director, Indirect Credit Operations – Stellantis Financial Services

-May 2023 to Present – Manage the long term success of the company. Review policies and procedures as the company grows to look for ways to increase revenue, lower expenses and build a profitable portfolio. View volume trends to make sure we have coverage for the increased application and booking numbers. Continue to build the credit team as we are given more programs by the OEM. Review competitor programs and policies to gain an edge and win business in a very competitive market. Continue to work with the risk team to make system improvements to increase automation and ensure quality credit decisions by the system. Work with vendors to bring in tools to assist the credit team with their daily tasks. Streamline the buying process for the credit team to get the best call out on the first decision. Take escalated calls with dealers and determine if we need to change policy and keep up with the ever changing market in the auto industry.

Operations Manager – Credit – Stellantis Financial Service US

December 2021 to May 2023 - Manage the North and South regional credit teams, consisting of 28 people. Built the company from the initial launch on 4/1/22. Interview and hire 90+ credit team members across 4 regions. Directed the credit team from $0 volume to $400M in March 2023. Think outside of the box to manage relationships with Dealer partners and SFS Sales reps in the field. Make exceptions to policy and review deals from the credit team for acceptable risk parameters. Attend regional sales meetings to keep sales team up on changes within the credit department. Conduct weekly credit meetings with the credit team to continually educate and teach best practices. Manage the day-to-day operations, including building schedules, work flows, approving timecards, and administering annual and quarterly reviews.

Vice President of Indirect Lending - Credit Union Acceptance Company

- January 2020 to June 2021 - Manage the daily operations of a $45M a month office and 14 people between the credit and funding teams. Manage the credit team while adapting to credit union programs. Also manage the funding team to collect and book loans within credit union guidelines. Maintain the relationships with credit union representatives to put together profitable programs for dealership auto financing.

Area Sales Manager - Compass Bank

- March 2017 to December 2019 - Maintain and deepen the relationships with 69 South Houston dealers. Conduct sales visits and sell the Compass Bank program and policies. Assist with credit and funding to book profitable loans.

Credit Manager - Compass Bank

- June 2014 to February 2017 - I maintained relationships in the Texas and California dealer markets. Working to produce quality, profitable auto loan contracts. Houston Business Center Credit Manager -

Chase Auto Finance – Business Center Manager

April 2013 to June 2014 - I managed a team of 15 credit analyst with a portfolio of $325MM on auto loan applications. I monitored credit risk against the portfolio and analyze portfolio performances. Use trend analyst and account review to limit risky transactions that have shown to not perform to company standards. Review loan applications for satisfactory documentation on exceptions to policy.

April 2013 to June 2014 - I managed a team of 15 credit analyst with a portfolio of $325MM on auto loan

applications. I monitored credit risk against the portfolio and analyze portfolio

performances. Use trend analyst and account review to limit risky transactions that

have shown to not perform to company standards. Review loan applications for

satisfactory documentation on exceptions to polic

Chase Auto Finance – Dealer Relationship Manager

- June 2010 to April 2013 - I managed and sold the Chase Auto Finance brand to 131 automobile dealerships in the West Texas territory to Finance Managers, Finance Directors, General Sales Managers, and Owners. I have also been tasked with growing the account base by prospecting new clients and conducting in-person dealer visits to build a lasting relationship. I Work with the Prime and Custom credit teams to build a strong and profitable portfolio. District Credit Representative

Chase Auto Finance – District Credit Manager

August 2005 to May 2010 - Assist the Credit Manager in the running of the credit team by helping to manage exceptions, profits, and overall service to the territory dealer base. I would review auto loan applications and negotiate terms with dealers to maximize returns and limit the risk to the bank. I would review exceptions for other analyst in the absence of the Credit Manager.

United Auto Credit Corp – Assistant Branch Manager

April 2004 to July 2005 - Manage the West Houston branch office of 7 employees in the customer service, funding, underwriting, and collection departments to product profits and control losses. Conduct reviews for the employees and help them progress towards their career goals.

Regional Credit Corporation – Credit Manager

March, 2003 to March 2004 - Review credit loan applications and structure contracts to fit within corporate guidelines. Control exceptions and out of the box transactions to limit risk.

Americredit Financial Services Inc., - Credit Manager

August 2001 to March 2003 - Credit Manager for 22 automobile dealerships working with Finance Managers to put together sub-prime auto loans. Do sales visits to the dealerships to build relationships with the key decision makers.

Ford Motor Credit – Credit Analyst

October 2000 to July 2001 Work hand-in-hand with dealership finance managers to put together auto loan contracts.

Ford Motor Credit – Customer Service rep

June 1998 to September 2000 – Collections of past due accounts.

Education: Stephen F. Austin State University, Nacogdoches, TX

BBA-Finance and Economics, GPA: 3.

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