Credit Leader

PATRICK A. KNACKERT

***** ******* ****, ******, ******** 63040-1156

Phone: Work 314-***-**** Home 636-***-**** Cell 636-***-****

E-mail: Work *******.********@**.*** Home *********@*****.***

OBJECTIVE: A key executive position in the area of credit or finance utilizing my proven strengths in credit administration, account management, and staff leadership.

QUALIFICATIONS

30 years experience in commercial equipment finance and leasing, including 15 years in management, with substantial expertise in the following areas:

 Oversight of credit process, speeding transaction turnaround and improving portfolio quality.

 Document and work-out negotiation, minimizing legal costs and enhancing return on equity.

 Staff recruiting and development, providing qualified talent for promotion in a dynamic organization.

 Development of risk-adjusted return model based on Black-Scholes options pricing, improving risk management and capital allocation.

 Oversight of $400MM+ portfolio segment, identifying opportunities for repeat business, as well as possible future collection problems.

 Effective interaction with clients, vendors, legal and marketing representatives, establishing a consistently high degree of professionalism and goodwill that translated into market penetration.

 Strong working knowledge of PC and LAN-based applications, enhancing dissemination of information throughout an organization in a timely manner.

EMPLOYMENT

1994 on GE Commercial Distribution Finance Corp. (f/k/a Deutsche Financial Services Corp. and ITT Commercial Finance) - St. Louis, Missouri

A $10B middle market lender for floor plan and fleet financing of commercial equipment.

 Industrial Product Group Credit Manager (present) – Oversight of large asset-based revolvers and high risk workout accounts. Approval authority up to $7MM per account while leading a credit staff of three.

 Assistant Vice President (3 years) - Approval authority up to $5MM per account.

 Senior Credit Analyst (4 years) - Approval authority up to $1MM. Led development of the Company’s risk-adjusted return on capital (RAROC) model.

 Division Investment Manager (1 year) - Responsible for transaction flow and portfolio oversight of four field offices encompassing the eastern US.

1987-1994 Fleet Credit Corp. (f/k/a Signal Capital Corp.) - Providence, Rhode Island

The $1B+ leasing arm of Fleet Financial Group.

 Vice President and Group Manager (2 years) - Managed a staff of four in underwriting transactions from five offices. 1993 Outstanding Achievement Award.

 Assistant Vice President (1 year) - Directed process of underwriting and documenting lease and loan transactions.

 Senior Credit Analyst (4 years) - Involved in credit investigation, collection, and end-of-lease negotiations.

1983-1987 AMCA International Finance Corp.(f/k/a Koehring Finance) - Dallas, Texas

A $1B captive providing wholesale and retail financing support to four affiliated companies marketing construction equipment.

 Credit Manager (2 years) - Worked with a staff of five in the underwriting and collection of commercial loans for a 17 state area.

 Credit Analyst - Developed a credit rating system for equipment dealers that was subsequently implemented.

1980-1983 Allis-Chalmers Credit Corp. - Milwaukee, Wisconsin

 Staff Auditor

 Associate Credit Analyst

EDUCATION

1974-1978 University of Wisconsin, BBA, Major in Finance

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