Risk Management Credit
Resume:
JOHN D. LIGHTBOURN
************@*****.***
Proactive and strategic leader with over 20 years of experience in credit and risk management. Extensive background in overseeing financial results, budgeting, reporting, forecasting and operations. Proven ability to manage teams, negotiate complex transactions and drive efficiency in fast-paced environments. Fluent in English and Spanish.
PROFESSIONAL EXPERIENCE
FLEXPORT CAPITAL Dallas, TX, Director - Head of Credit 2/2024 – 11/2024
Leader of the credit organization with responsibility for underwriting and executing complex and high-risk transactions as well as strategic management of the credit portfolio, ensuring alignment with company goals and risk appetite. High level technical credit expertise, portfolio management skills and leadership ability to safeguard the against credit losses.
Approval and oversight of structured finance, asset-based lending, inventory and equipment financing. Managed a portfolio of logistics, customs, inventory and equipment finance transactions.
Managed and analyzed portfolio-level risks, identifying anomalies and volatility including assessment of industry or inventory purchases through proactive adjustment of exposure concentrations.
Facilitated quarterly counterparty and portfolio review functions to accelerate the development of credit analysts which fostered a collaborative and high-performance team culture.
Exercised critical thinking skills with the ability navigate complex problems, identify optimal solutions, and adapted to changing macro and micro economic market conditions.
Utilized interpersonal and communication skills to clearly present complex insights to C-Suite and key stakeholders.
Evaluated the risks and benefits of potential actions and made strategic decisions aligned with company goals.
CITIGROUP Las Colinas, TX, Senior Vice President 8/2020 – 11/2023
Serving as a team leader, accountable for the coordination of staff assignments, team development, preparation of presentations and facilitation of review processes in collaboration with various review groups and corporate leadership.
Orchestrated periodic reviews to critically challenge and evaluate the effectiveness of products utilized and managed across Citi’s global reach.
Ensured consistent, transparent, repeatable as well as adherence to internal and external policies and procedures and provide 2LOD assessment and confirmation of calculations and loss reserves including regulatory exercises assessing CECL and CCAR stressed forecasts within each business’ assigned authority and line of sight.
Executed comprehensive assessments of complex transactions to ensure structures adhere to organizational policy and regulatory mandates.
Expertise in a variety of industries within equipment finance, percentage completion construction facilities, transportation, energy, real estate, aviation, commercial and industrial and manufacturing.
Conducted rigorous analysis of contractual and collateral enforceability across diverse regions and jurisdictions, considering local laws and financial procedures.
Crafted and delivered presentations, translating complex findings for risk review teams and senior management to align with the company’s strategic decisions, objectives and regulatory compliance.
BRIGHTVIEW HOLDINGS, Inc. Sunrise, FL, Senior Branch Manager 9/2019 – 8/2020
As Regional Leader, oversaw financial results including P&L, budgeting, forecasting, headcount and daily operations.
Implemented strategies to enhance monthly efficiency, thereby positively impacting financial results and client credit Risk management.
Formulated client retention strategies, enhancing customer loyalty through elevated interaction quality.
Redesigned asset structure to bolster efficiency of work teams while simultaneously achieving cost reductions.
WORLD KINECT CORPORATION (formerly World Fuel Services Corp.) Miami, FL, VP Credit & Risk 6/2011 – 9/2018
As Global Head of Credit & Risk played a pivotal role in managing both physical and financial derivative commodities across all business segments and related governance.
Managed transaction and portfolio risk, strategizing and executing growth opportunities, including relationship management with external clients, exchange brokers and assisted in the negotiation for various master agreements.
Contributed leadership and expertise to corporate work groups, advising on business development strategies, cross-selling products, and market growth opportunities, including leading the credit underwriting for acquisition targets to identify potential risks and opportunities.
Successfully oversaw a global staff of over 15 credit analysts, managers, and directors within Credit & Risk Management, fostering a culture of compliance, risk prevention and excellence aligning with organizational goals.
NOBLE GROUP Stamford, CT, Credit Risk Consultant 10/2010 – 4/2011
Served as a strategic consultant for credit risk, contributing vital insights and solutions.
Advised on enterprise market risk management enhancements and credit risk system migration.
Provided critical guidance on prospective M&A acquisition target markets and developed and reviewed credit risk policies for international transactions.
Conducted comprehensive exposure analysis during high-risk financial stress scenarios, ensuring robust risk mitigation and strategic alignment.
Self-starter with the ability to take ownership of challenges, devise solutions,
NEXTERA ENERGY Inc. (formerly FPL Group) Juno Beach, FL, Director Structured Credit Risk 6/2007 – 6/2010
Oversaw the Corporate Credit Risk Management function for both regulated and unregulated subsidiaries.
Managed a team of eleven Credit Risk Analysts, researching, reviewing and evaluating complex energy commodity transactions for strategic and regulatory compliance.
Developed innovative methods to mitigate various risks, including counterparty, market, P&L, VaR, and credit risk enhancing overall portfolio performance.
Negotiated and approved master agreement contracts, maintaining an active dialogue with support teams.
VISTRA CORP. (formerly TXU Corp.) Dallas, TX, Credit Risk Manager 8/2005 – 6/2007
Managed credit risk for high-volume trade operations, including commercial and industrial exposure.
Oversaw credit and transaction negotiations to manage exposure and collateral. Managed individual counterparty credit and tenor limits within the high risk and volatile wholesale trading portfolio.
Implemented credit risk system enhancements for various stakeholders, providing critical insights for risk reporting.
Served as the key Credit Risk representative with ERCOT, driving best practices for credit initiatives in a deregulated market, and mitigating credit exposure through strategic and optimization of collateral management.
PSEG TEXAS, LP Dallas, TX, Credit & Risk Manager 10/2000 – 8/2005
Led the credit risk evaluation and management for two major independent power plants in Texas, strategically negotiating and assigning secured and unsecured credit lines.
Spearheaded negotiations for master agreements, to successfully optimize financial results while mitigating credit exposure through meticulous oversight of portfolio transactions, changes to plant efficiency affecting exposure, collateral management and market trends.
CITIGROUP (ASSOCIATES FIRST CAPITAL CORP) Irving, TX, Director - Corporate Planning 8/1999 – 10/2000
Pioneered E-Commerce financial reporting procedures across various sectors and executed industry analysis to drive strategic and product development. Formulated an investment strategy for international call centers, delivering robust financial projections.
EDUCATION - The University of Texas at Austin, BBA Accounting
Additional Information
Credit Training Program - IBM Credit Corporation & Standard & Poor’s
Advanced experience with Microsoft Office Suite, SAP, Oracle, Tableau, Bloomberg, ETRM system CXL TriplePoint
International Energy Credit Association (IECA) member (17 years) - positions held include Board of Director position Strategic Planning Committee member, Chairperson: By-Laws, Technology and Gas, Liquids and Electricity
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