A credit/risk professional with 28 years of experience in commercial lending, equipment financing and leasing. Well versed in structuring, negotiating, and approving loans for high-tech, middle market companies, and larger corporations with credit authority reaching as high as $1.85 million. Understands the importance of a customer-driven team approach, and prompt decision-making to achieve successful and profitable customer, vendor, and dealer relationships.

Professional Experience:

2008-2009 CoActiv Capital Partners, Horsham, PA Director of Credit, Office Technology Division:

Managed the flow of all larger ticket equipment finance loan requests from major vendor programs, which included EMC Corp, Panasonic, Okidata, various franchise finance requests, and bank referrals, covering a wide range of equipment types. Presented all transactions over $1 million to both CoActiv and parent company credit committees. My experience in financing EMC data storage equipment and strong relationship with EMC led to approximately $30 million in booked loan business through this manufacturer in less than one year.

1999- 2008 DeLage Landen Financial Services Wayne, PA Senior Credit Officer:

Approved commercial loan/leasing transactions up to individual credit authority of $1.85 million and presented larger transactions to DLL Credit Committee. Negotiated loan requests with CFOs at client companies and dealt with many high-tech and middle market firms. I was the main contact responsible for the EMC Corp. Vendor Program, financing EMC data storage equipment nationwide, which contributed $200 million/year in loan volume in 2008. High vendor satisfaction led to EMC giving DLL first look at all new customers for many years. Named a Peak Performer of the Year in 2005 with a ten-yea losses average of less than ten basis points annually.

1992-1998 Copelco Capital, Inc. Mahwah, NJ Assistant VP/Credit Manager:

Responsible for the Major Copier Accounts and Computer Equipment Leasing divisions. Promoted to Credit Manager in 1995, supervising one credit officer. Superior decision making skills led to much success, including winning from one national copier vendor two-thirds of its financing business, despite their in-house captive leasing company. My program losses ran 40% below the company average. Individual credit authority of $750k.

1987-1992 Bank of America (formerly National Westminster Bank) New York, NY/Jersey City, NJ Commercial Loan Officer/AVP:

Handled 3rd party discounting of lease paper from brokers and small business loans to bank branch customers. Individual credit authority of $500k.

1985-1986 Orix Credit Alliance Corp. New York, NY Credit Analyst:

Reviewed transactions in HQ office submitted by regional offices that exceeded local credit authorities.

1983-1985 CIT Corp. (formerly Manufacturers Hanover Leasing Corp.) New York, NY Senior Credit Analyst:

Reviewed requests up to $5million for larger corporate transactions.

1981-1983 Wachovia Bank (formerly First Fidelity Bank) Newark, NJ Credit Analyst:

Accredited in bank credit training and member of VP sales support for client calls.

Academic Credentials:

Rider University, Lawrenceville, NJ B.S. in Commerce 1980, Major in Finance, along with numerous credit courses completed throughout my career via RMA, D&B, The ELFA, and Moody's.