Associates First Capital
Industry: Company
DescriptionFounded: 1918 Subsidiaries: CitiFinancial Credit Company, Parent organization: CITICORP BANKING CORP
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Associates First Capital Employees
Efinity Group March 2008 - Present
National City Bank December 2006 - January 2008
Bear Stearns June 2005 - November 2006
Legacy Financial Group June 1999 - July 2005
Homecomings Financial May 1997 - June 1999
Associates First Capital May 1996 - May 1997
Skills
Competitive Analysis, Strategy, Product Management, Real Estate, Mortgage Banking, Mortgage Lending, Product Development, Financial Services, Strategic Thinking, Process Improvement, Strategic Consulting, Sales Process, Forecasting, Leadership, Management, Sales, Strategic Planning, Risk Management, Marketing, Business Development, Executive Management
Education
Texas Christian University - M.J. Neeley School of Business 1998 — 2000
MBA, Business Administration
Texas Christian University 1992 — 1996
BS, Psychology
AltaOne Federal Credit Union April 2007 - Present
Wells Fargo August 2003 - March 2007
CitiFinancial January 2001 - August 2003
Associates First Capital January 1999 - December 2000
Avco Financial Services March 1991 - January 1999
Skills
Consumer Lending, Loans, Credit, Loan Origination, Mortgage Lending, Commercial Lending, Operations Management, Portfolio Management, Loan Portfolio Analysis, Mortgage Banking, Credit Unions, Credit Analysis, Investments
Education
Northern State University 1980 — 1984
BS, Business, Industrial Technology
pr, marketing & communications desgin August 2012 - Present
Univision Radio April 2002 - July 2012
Associates First Capital June 1997 - January 2001
JCPenney September 1994 - June 1997
Skills
Public Speaking, Editing, Strategic Planning, Event Planning, Radio, Television, Broadcast, Community Outreach, International Relations, Corporate Social...
Education
The University of Dallas 1998 — 2000
Instituto Tecnologico de San Luis Potosi, Mexico 1984 — 1988
BA Industrial Relations, Industrial relations, marketing and PR
Tribune Publishing March 2014 - Present
Belo February 2008 - March 2014
Belo February 2000 - February 2008
Associates First Capital (acquired by Citigroup in 2000) April 1999 - February 2000
Associates First Capital October 1998 - April 1999
Associates First Capital April 1996 - October 1998
Associates First Capital November 1993 - April 1996
Associates First Capital November 1991 - November 1993
Associates First Capital May 1990 - November 1991
JC Penney March 1989 - May 1990
Skills
Analysis, Forecasting, Corporate Finance, Financial Services, Finance, Portfolio Management, Risk Management, Due Diligence, Mergers & Acquisitions, Auditing, Credit, Internal Audit, Valuation, Management, Budgets, Cash Flow, Variance Analysis, Executive Management, Financial Modeling, Business Planning, Financial Risk, Financial Analysis, Sarbanes-Oxley Act, Accounts Receivable, Capital Budgeting, P&L, Strategic Financial..., P&L Management, Financial Forecasting, Managerial Finance, Financial Planning
Education
Southern Methodist University
MBA, Finance
University of Wisconsin-Madison
BS, Political Science
First National Financing January 2013 - Present
Innerface Architectural Signage, Inc April 2011 - May 2013
Guaranty Bank FSB May 2008 - November 2010
Cornerstone Flooring and Lining August 2007 - April 2008
American Equity Mortgage May 2005 - July 2007
American Equity Mortgage May 2003 - May 2005
American Equity Mortgage January 2002 - April 2003
American Equity Mortgage May 2000 - January 2002
Associates First Capital January 1998 - May 2000
Masterson Company 1996 - 1998
Skills
Cold Calling, Sales, New Business Development, Account Management, Direct Sales, Marketing, Leadership, CRM, B2B, Team Building, Management, Sales Operations, Refinance, Project Management, Selling, Mortgage Lending, Customer Satisfaction, Training, Networking, Customer Retention, Consultative Selling, Contract Negotiation, Solution Selling, Competitive Analysis, Team Leadership, Sales Presentations, Salesforce.com, Sales Management, Business Development, Product Launches, Product Installation, WI licensed accident...
Education
University of Dayton 1992 — 1996
Business Communications, Marketing, and English
Homestead 1990 — 1992
1992, General
The Missouri Botanical Garden May 2014 - Present
Express Scripts November 2012 - July 2013
Citi September 2007 - November 2012
Countrywide Home Loans (Bank of America) April 2004 - July 2006
The Associates 2000 - 2004
Associates First Capital June 1989 - July 2000
Skills
Human Resources, Business Process..., Employee Relations, Strategic HR, Shared Services, Personnel Management, Talent Acquisition, HRIS, Employee Engagement, HR Business Partner, Talent Management, Deferred Compensation, Change Management, Employee Benefits, Management, Onboarding, Applicant Tracking...
Education
St. Mary's University 1987 — 1990
Master of Arts (M.A.), Industrial and Organizational Psychology
St. Mary's University 1985 — 1987
Bachelor of Arts (BA), Psychology
Westchester State University 1983 — 1985
EZCORP 2014 - 2014
Dell January 2010 - December 2012
Dell May 2005 - December 2009
Citi January 2002 - May 2005
Associates First Capital April 1994 - January 2002
Skills
Business Objects, SAS programming, SQL, SQL DB2, Objective-C, Autodialers, CACS, Microsoft Excel, Financial Forecasting, Budget Forecasts, Trend Analysis, Risk Management, Financial Analysis, Databases, Multi-Site Operations, Best Practices, Forecasting, Analytics, Financial Modeling, Analysis, Strategy, Cross-functional Team..., Management Consulting, Finance, Management, Mergers & Acquisitions, Performance Management, Business Transformation, Operations Management, Vendor Management, Business Analysis, Acquisition Integration, Project Management, Change Management, Leadership, Credit Cards, Process Improvement, Strategic Planning, Financial Reporting
Education
Sam Houston State University 1991 — 1994
Bachelor of Business Administration (BBA), Finance, General, 3.58 out of 4.00
MoneyGram International June 2015 - Present
TXU Energy November 2013 - Present
Think Finance December 2012 - October 2013
Fannie Mae March 2009 - December 2012
Aegon USA/TransAmerica Insurance March 2007 - March 2009
Citigroup August 1999 - March 2007
Associates First Capital January 1998 - May 1999
NEC Corporation of America May 1996 - January 1998
Skills
SAS, Statistical Modeling, Quantitative Analytics, R, Predictive Modeling, Analytics, Analysis, Credit Risk, Financial Risk, Risk Analytics, Big Data, SAS programming, Data Analysis, Modeling, Market Research, SQL, Data Mining, Predictive Analytics, Portfolio Management, Segmentation, Machine Learning, Econometrics, Risk Modeling, Unix Shell Scripting, Business Analytics, Time Series Analysis, Logistic Regression, Statistics, Direct marketing..., Experimental/campaign..., Time series modeling..., Game theory, Optimization, Segmentation and...
Education
University of Wisconsin-Madison 1991 — 1996
Ph.D., Economics
University of North Carolina at Chapel Hill 1989 — 1991
Master of Science (MS), Economics
Real Time Resolutions, Inc. 2015 - Present
PointEd North Consulting September 2013 - 2015
Grapevine-Colleyville ISD 2004 - August 2013
Citi Cards 2002 - 2004
Associates First Capital 2000 - 2002
Baker Hughes Inc 1998 - 2000
Baker Hughes Corporate 1996 - 1998
Skills
Compensation, Employee Relations, Performance Management, Talent Management, Talent Acquisition, Recruitment/Retention, Workforce Planning, SPHR, Interviewing, College Recruiting, Hiring, Coaching, Onboarding, Deferred Compensation, Leadership Development, Recruiting, Staff Development, Organizational..., Process Improvement, Training, Interviews, Human Resources, Team Building, Leadership, Career Counseling, Personnel Management, Succession Planning, HRIS, Temporary Placement, Conflict Resolution, Management, Career Development, Employee Training, Benefits Administration, New Hire Orientations, Employee Benefits, Organizational...
Education
Baylor University 1991 — 1995
BBA, Management and Entrepreneurship
Marlin Business Services Corp August 2015 - Present
CIT April 2010 - July 2015
CIT October 2009 - April 2010
CIT Group March 2009 - April 2010
CIT Group December 2007 - February 2009
CIT May 2000 - November 2007
Associates First Capital September 1987 - May 2000
Skills
Mergers & Acquisitions, Financial Services, Portfolio Management, Finance, Restructuring, Valuation, Corporate Finance, Strategy, Financial Modeling, Capital Markets, Mergers, Due Diligence, Corporate Development, Mortgage Lending, Structured Finance, Business Development, Financial Risk, Investor Relations, Accounting, Relationship Management, Investment Banking, New Business Development, People Development, Retail Banking, Econometrics, International Business, Regulatory Compliance, Working Capital...
Education
Southern Methodist University - Cox School of Business 1998 — 2000
MBA, General
The University of Texas at Arlington - College of Business Administration 1980 — 1985
BBA, Business Administration and Management, General
Exeter Finance Corp February 2009 - August 2013
Taylor Logistics January 2007 - June 2008
Transplace 2002 - 2006
Associates First Capital 2001 - 2001
Bank of America (NationsBank) 1996 - 1999
Signet Bank 1993 - 1996
IBM 1985 - 1993
Skills
Forecasting, Managerial Finance, Operations Management, Finance, Analysis, Financial Analysis, Mortgage Lending, Financial Services, Risk Management, Private Equity, Accounting, Strategy, Team Building, Financial Reporting, Credit, Accounts Receivable
Education
University of Virginia - Darden Graduate School of Business Administration 1989 — 1991
MBA
University of North Carolina at Chapel Hill 1980 — 1984
BS, Business with Conc in Acctg
The Resurrection Project July 2013 - Present
Synthetiq May 2011 - Present
Old Republic Credit Services July 2011 - July 2013
Crown Mortgage Company September 2010 - July 2011
Marquette Bank September 2008 - September 2010
Express Equity Corporation February 2004 - September 2008
The Money Shop, Inc February 2001 - June 2004
Associates First Capital June 1995 - February 2001
Conseco Financial January 2000 - June 2000
Skills
Customer Service, Customer Relations, Credit, Retail, Customer Satisfaction, Loss Prevention, Loss Mitigation, Collections, Bilingual, Short Sales, Foreclosures, Sales Management, Sales Support, Inside Sales, Direct Sales, Telephone Skills, Illustrator, Photoshop, Music Production, Microsoft Office, Calyx Point, Ableton Live, Mac OS X, Spanish, Spanish-English, Graphic Design, Underwriting, Sales, Management, Loans, Finance, Mortgage Lending, Leadership, OS X, Strategic Planning, Marketing, Loan Origination, Sales Operations
Education
DePaul University 2008 — 2012
Bachelor of Arts (B.A.), Entrepreneurship/Entrepreneurial Studies, 3.9
CitiMortgage 2006 - Present
Citi Consumer Finance North America 2003 - 2006
CitiFinancial Mortgage 2000 - 2003
Associates First Capital 1995 - 2000
Skills
Credit, Portfolio Management, Analytics, Direct Marketing, Financial Services, Banking, Segmentation, Marketing Strategy, Mortgage Lending, Credit Cards, Strategy, Financial Analysis, Mortgage Banking, Digital Marketing, Account Management, Strategic Planning, Credit Risk, Finance, Business Strategy, New Business Development, Consumer Lending, Credit Analysis, Lead Generation, Risk Management, Online Marketing, Customer Acquisition, Marketing Communications, Loan Origination, Business Development, Database Marketing, Relationship Management, Marketing
Education
The University of Dallas
Master of Business Administration (MBA)
Western State Colorado University 1980 — 1984
Bachelor of Business Administration (BBA)
Chickasha High School 1975 — 1982
Martin Financial Group November 1999 - Present
The Saving Seed 2011 - 2013
Associates First Capital May 1998 - October 1999
Skills
Strategic Planning, Strategic Financial..., Financial Planning, Planning, Financial Services, Problem Solving, Financial Analysis, Account Management, Writing, Customer Service, Insurance, Budgeting, Investments, Public Speaking, Finance, Small Business, Portfolio Management, Risk Management, Coaching, Teaching, Excel, Leadership
Education
Southern Methodist University 2002 — 2004
Certificate Program in Financial Planning, Financial Planning
Texas A&M University 1994 — 1998
BBA, Finance
Kaleidoscope Minds March 2005 - Present
Mission Granbury June 2013 - June 2014
Nat'l Association of Women in Construction 2008 - 2010
Camelot Communications March 2001 - March 2005
Grey Worldwide/Regian & Wilson September 1999 - March 2001
Associates First Capital November 1998 - September 1999
Publicis Advertising December 1994 - February 1998
Leo Burnett Advertising January 1992 - December 1994
AC & R Advertising September 1990 - January 1992
Skills
Negotiation, Market Planning, SWOT analysis, Marketing, Marketing Strategy, Advertising, Marketing Communications, Public Speaking, Online Advertising, Public Relations, Integrated Marketing, Strategic Planning, Digital Marketing, Social Media Marketing, Online Marketing, Lead Generation, Email Marketing, Project Management
Education
Regis University 2003 — 2006
Master
Michigan State University 1988 — 1990
B. A.
University of New England 1986 — 1988
Federal Deposit Insurance Corporation October 2010 - Present
Capstone Multifamily Capital Partners February 2010 - Present
JMJ Holdings June 2007 - February 2009
Immediatek (Mark Cuban Companies) August 1999 - March 2007
Allegiance Capital Corporation September 1998 - August 1999
Associates First Capital August 1993 - June 1998
Skills
Due Diligence, Mergers & Acquisitions, Real Estate, Investments, Investment Properties, Entrepreneurship, Valuation, Financial Modeling, Leadership, Commercial Real Estate, Business Planning, Finance, Private Equity, Negotiation, Investors, Mergers, Management, Real Estate Development
Education
The University of Texas at Dallas 1994 — 1996
MBA, International Management / Finance
University of North Texas 1988 — 1992
BBA, Business Administration / Corporate Finance / Accounting
Acxiom June 2011 - Present
Acxiom November 2008 - April 2012
Citigroup June 2005 - December 2007
CitiFinancial International, Citigroup May 1997 - May 2005
Associates First Capital 1996 - 2001
IBM 1978 - 1997
Education
The University of Texas at Austin 1974 — 1978
Bachelor of Arts (B.A.), Economics
Carrington Mortgage Services, Mortgage Lending Division June 2015 - Present
Mountain West Financial August 2013 - May 2015
Carrington Real Estate Services, Inc. March 2009 - August 2013
AIG - Wilmington Finance April 2007 - August 2008
Fremont Investment and Loan April 2001 - March 2007
Associates First Capital August 1995 - March 2001
Citi 2001 - 2001
Skills
Real Estate, Consultative Selling, New Business Development, Sales Management, Account Management, Negotiation, Customer Relations, Team Building, Contract Negotiation, Customer Service, Coaching, Business Planning, Compliance, Budgeting, Operations Management, B2B, Problem Solving, Financial Analysis, Team Leadership, Strategic Planning, Microsoft Office, Cold Calling, Short Sales, Mortgage, Change Management, Underwriting, PowerPoint, Excel, Asset Management, Contract Negotiations, Planning, Hiring, Marketing Strategy, Risk Management, Forecasting, Business Analysis, Word, Business Strategy, Selling, Credit, P&L, P&L Management, Executive Management, Key Account Management, Performance Management, Management Consulting, Portfolio Management, Team Management, Loss Mitigation, Business Management
Education
University of California, Los Angeles
Bachelor or Arts, Political Science and Government
Branch Banking & Trust November 2006 - Present
Branch Banking and Trust November 2006 - January 2009
Option One Mortgage January 2004 - November 2006
Conti Mortgage 1997 - 1998
Associates Financial Services 1991 - 1998
Associates First Capital 1991 - 1998
The Associates 1991 - 1998
Household Finance 1972 - 1991
HSBC 1972 - 1991
Skills
Credit, Mortgage Lending, FHA, Loan Origination, Loans, Mortgage Banking
Education
Methodist University 1968 — 1972
BA, Business
PayNet, Inc. September 2015 - Present
Cascade Financial Services June 2008 - April 2015
Litton Loan Servicing January 2007 - June 2008
Pemm.Tek Mortgage June 2005 - December 2006
Associates/CitiFinancial Services January 2002 - June 2005
Conseco Finance January 2000 - January 2002
Associates First Capital December 1997 - January 2000
Wells Fargo Auto Finance December 1996 - December 1997
Chase Manhattan Bank December 1995 - December 1996
Norwest Mortgage June 1993 - December 1995
Skills
Loss Mitigation, Mortgage Servicing, Post Closing, FHA, Loan Servicing, Mortgage Banking, Financial Risk, Residential Mortgages, Credit Analysis, Credit Risk, Default, Foreclosures, Portfolio Management, Risk Management, REO, Bankruptcy, Financial Services, Loan Modifications, Executive Management, Credit Cards, Real Estate, Real Estate Economics, Real Estate Transactions, Asset, Short Sales, Relationship Management, Call Centers, Valuation, VA loans, FHA financing, Skip Tracing, Property, Financial Analysis, Securitization, Banking, Loan Origination, Mortgage Lending, Credit, Loans, Underwriting, Refinance, Consumer Lending, Commercial Lending, FHA Financing, VA Loans
Education
Arizona State University 1993 — 1996
B.A., Journalism
Brigham Young University
The Sign Case January 2014 - Present
Self Employed January 2009 - Present
Franklin Capital September 2005 - September 2008
Americredit August 2001 - September 2003
Assurant 2000 - 2001
Associates First Capital 1992 - 1999
Skills
Portfolio Management, Strategic Planning, Business Development, Loans, Business Planning, Market Research, Risk Management, Underwriting, New Business Development
Education
Northwestern University - Kellogg School of Management 1990 — 1992
MBA, Business
The University of Texas at Dallas
BS
University of Texas at Arlington March 2013 - Present
Retired February 2012 - December 2012
Dallas/Fort Worth Intl Airport January 2000 - February 2012
Associates First Capital January 1995 - December 1999
Dallas/Fort Worth Intl Airport August 1988 - December 1994
THE CLOTHES HORSE January 1985 - January 1988
Southwest Airlines August 1979 - December 1984
Skills
Airports, Budgets, Contract Management, Airport Management, Program Management, Strategic Planning, Project Planning, Change Management, Process Improvement, Aviation, Team Building, Policy, Emergency Management, Customer Service, Government, Project Management
Education
LeTourneau University 2002 — 2004
Bachelor of Arts, Business Administration
David A. Bauer PC May 2014 - Present
LCS Financial Services December 2013 - April 2014
24-7 Intouch March 2013 - November 2013
Santander Consumer USA Inc. September 2010 - August 2012
Citi Financial November 2006 - September 2010
Citi January 2002 - November 2006
Associates First Capital June 1999 - January 2002
Arcadia Financial/TranSouth June 1998 - June 1999
Olympic/Arcadia Financial Ltd. March 1995 - June 1998
Neighborhood Credit Union June 1993 - March 1995
Skills
Call Center, Credit, Risk Management, Loans, Financial Analysis, Relationship Management, Financial Risk, Underwriting, Portfolio Management, Vendor Management, Work At Home, Banking, Financial Services, Access, Business Process, Call Centers, Change Management, Customer Satisfaction, Customer Service, Forecasting, Insurance, Leadership, Negotiation, Operations Management, Process Improvement, Strategic Planning, Team Building, Team Leadership, Training, Finance, Management
Education
Austin College
B.A, Business Administration
The F&M Bank & Trust Company August 2011 - Present
University of Oregon Alumni Association September 2012 - Present
GE Capital May 2005 - September 2011
The Steinhaus Company, LLC June 2002 - April 2005
Associates First Capital July 1999 - March 2002
Associates First Capital January 1997 - June 1999
Associates First Capital October 1994 - January 1997
Skills
Commercial Lending, Leadership, Cross-functional Team..., Finance, Strategy, Start-ups, Business Planning, Sales Management, Mergers & Acquisitions, Credit, Business Strategy, Forecasting, Loans, Financial Reporting, Management, Strategic Planning, Process Improvement, Underwriting, Sales, Budgets, Business Development, Negotiation, Marketing, Due Diligence, Team Leadership, Financial Analysis, Banking, Portfolio Management, Financial Services, Credit Analysis, Executive Management, Strategic Financial..., Financial Modeling, Corporate Finance, Investments, Relationship Management, Commercial Banking
Education
Southern Methodist University - Cox School of Business 1994 — 1996
MBA, Business
University of Oregon 1980 — 1984
BBA, Finance
Lake Oswego High
Real Estate Plus+ June 2004 - Present
First Bank Home Mortgage June 2002 - June 2004
Associates First Capital 1994 - 2002
The Associates 1994 - 2002
Western Financial 1991 - 1994
Norwest Financial 1990 - 1994
Skills
Real Estate, Customer Service, Residential Mortgages, Real Estate Transactions, Real Estate Financing, Negotiation, Mortgage Lending, Leadership, Loan Origination
Education
California State University-Los Angeles 1985 — 1990
BS, Business Administration
Saint Francis High School 1981 — 1985
Saint Stephens
Educate Texas, Communities Foundation of Texas April 2014 - Present
Educate Texas, Communities Foundation of Texas January 2011 - March 2014
Texas Schools Project, University of Texas at Dallas 2010 - 2011
Texas Schools Project, University of Texas at Dallas 2009 - 2010
The Texas Schools Project, University of Texas at Dallas September 2008 - January 2009
FirstPlus Financial 1997 - 1998
Associates First Capital 1995 - 1997
GE Capital 1991 - 1995
Skills
Stata, Econometrics, Policy Analysis, Program Evaluation, Grants, Grant Writing, Research, Non-profits, Statistics, Quantitative Research, Econometric Modeling, SPSS, Data Analysis, Analysis, Leadership, Program Development, Teaching, Higher Education, Strategic Planning, Program Management, Data Collection, Statistical Modeling, Research Design, Policy, Community Outreach, Nonprofits
Education
The University of Texas at Dallas 1999 — 2008
PhD, Public Policy & Political Economy
The University of Texas at Dallas 1997 — 2001
MPA, Public Affairs
The University of Texas at Austin - The Red McCombs School of Business 1987 — 1991
BBA, Finance
Silverstone Healthcare Company, LLC November 2013 - Present
DynCorp International February 2010 - October 2013
Crescent Real Estate August 2007 - October 2010
Crescent Real Estate December 1999 - August 2007
Associates First Capital January 1999 - December 1999
Associates First Capital December 1991 - December 1999
Skills
Cash Flow Forecasting, Cash Management, Financial Analysis, Financial Modeling, Financial Reporting, Corporate Finance, Cash Flow, Due Diligence, Finance, Forecasting, Mergers & Acquisitions, Accounting, Internal Controls, Strategic Financial...
Education
University of North Texas 1993 — 1995
MBA, Finance
The University of Texas at Austin 1984 — 1987
BA, Economics
FDIC 2010 - Present
Saxon Mortgage 2010 - 2010
Beal Bank - MGC Mortgage 2009 - 2010
Lehman Brothers 2006 - 2009
CitiFinancial International - Citigroup 1986 - 2006
Citigroup 1986 - 2006
Associates First Capital 1986 - 2000
Skills
Business Development, Loss Mitigation, Banking, Leadership, Credit, Loans, Due Diligence, Portfolio Management, Financial Services, Credit Risk, Financial Modeling, Management, Start-ups, Risk Management, Business Process..., Financial Risk, Asset Managment, Mortgage Banking, Program Management, Finance, Loan Origination, Collections, Operations Management, Asset Management, Consumer Lending, Structured Finance, Business Planning, Mergers & Acquisitions, Strategic Planning, Underwriting, Mortgage Lending, Investments, Performance Management, Executive Management, Change Management, Process Improvement, Credit Analysis, Financial Analysis, Strategy, Relationship Management, Loan Servicing
Education
Sam Houston State University 1982 — 1986
BBA, Business Management
George Mason University - School of Business
Contract Management
PBL Consulting August 2008 - Present
Southwest Power Pool March 2010 - October 2010
Electric Reliability Council of Texas August 2008 - December 2009
Borland Software Corporation October 2000 - August 2008
Associates First Capital November 1995 - September 2000
Burlington Northern Railroad February 1994 - November 1995
3rd Combat Support Hospital September 1992 - September 1993
Computer Sciences Corporation April 1983 - June 1992
Education
Florida State University
BS, Mathematics / Education
Los Medanos College and Diablo Valley College
Computer Science
Contract Employee June 2012 - November 2012
Wells Fargo Home Mortgage October 2011 - March 2012
Rushmore Loan Management Services, LLP September 2009 - July 2011
Mandalay Mortgage June 2004 - March 2007
Associates First Capital 1991 - 2001
Skills
Credit Analysis, Banking, Commercial Lending, Commercial Banking, Mortgage Lending, Credit Risk, Credit, Loans, Consumer Lending, Retail Banking, Loss Mitigation, Leadership, Loan Origination, Portfolio Management, Commercial Mortgages, Management, Loan Servicing, Asset Management, Residential Mortgages, Mortgage Banking, Sales, Foreclosures, Mortgage Servicing
Education
Eastern Illinois University 1984 — 1988
Y.B. Associates, LLC September 1999 - July 2011
Sigma Polishing and Restoration April 1997 - August 1999
Ameriserve Food Distribution April 1997 - August 1999
Associates First Capital April 1997 - August 1999
Jefferson Pilot Financial June 1993 - March 1997
Skills
Microsoft Office, Marketing Management, Business Development, Team Building, Marketing Promotion, Energetic team player, Bilingual, Database Marketing, Financial Analysis, Business Strategy, Market Segmentation, Contract Negotiation, Market Research
Education
University of South Carolina-Columbia 1999 — 2001
Master of Business Administration (MBA)
North Carolina Agricultural and Technical State University
Bachelor's of Science, Finance, General
Peek Group, FMS May 2007 - Present
Citi 2000 - 2007
Citigroup 2000 - 2007
Citicards 1995 - 2000
Associates First Capital 1971 - 2000
Associates First Capital Corporations "The Associates" 1971 - 2000
CitiCards (formerly The Associates) 1995 - 1998
Associates Insurance Group 1993 - 1995
Associates Diversified Services 1987 - 1993
The Associates 1971 - 1987
Skills
Financial Management, Insurance, Marketing Strategy, Organizational..., Organizational..., Mortgage, Credit, Banking, Consumer Finance, Investments, Business Strategy, Business Management, Financial Services, Sales, Management, Financial Risk, Loans, Mergers & Acquisitions, Mortgage Lending, Business Development, Financial Analysis, Credit Cards, Managerial Finance, Leadership, Finance, Portfolio Management, Underwriting, Risk Management, Relationship Management, Strategy, Training, Vendor Management, Executive Management
Education
Dallas Baptist University 1996 — 1998
BA, Finance
Calhoun College 1969 — 1974
AA, Business
University of Alabama 1971 — 1973
Business
Citizens Financial Group, Inc. June 2015 - Present
Premier Bank of Texas May 2014 - June 2015
The F&M Bank & Trust Company June 2012 - April 2014
General Electric Capital Corporation May 2005 - May 2012
CitiCapital January 2000 - February 2005
Associates First Capital May 1992 - January 2000
Skills
Sales, Sales Operations, Customer Satisfaction, Customer Service, Commercial Banking, Asset Based Lending, Corporate Finance, New Business Development, Financial Risk, Commercial Finance, Commercial Lending, Financial Analysis, Credit Analysis
Education
The University of Texas at Dallas - School of Management 1991 — 1993
Graduate degree, International Management Studies
The University of Texas at Austin 1985 — 1988
Bachelor of Business Administration (B.B.A.), Accounting
GreenTree Servicing February 2000 - Present
Associates First Capital 1991 - 2000
Household Finance 1985 - 1991
Education
University of North Carolina at Chapel Hill 1999 — 1999
AFSA Management Development Progam
California State University-Northridge 1981 — 1985
BA, Economics
Primus Auditing Operations September 2014 - Present
Umpqua Bank 2013 - 2015
Carrington Mortgage Services 2010 - 2013
Flagstar Bank 2007 - 2010
Fremont Investment and Loan 2001 - 2007
Associates First Capital November 1993 - October 2001
Skills
Mortgage Lending, Loans, Leadership, Management, Sales Management, Mortgage Banking, Loan Origination, FHA, Refinance, Residential Mortgages, Credit, USDA
Education
San Diego State University-California State University 1988 — 1991
Century Tokyo Leasing (USA) Inc June 2015 - Present
Hitachi Capital America January 2011 - May 2015
Hitachi July 2006 - January 2011
AVP July 2006 - January 2011
GE Capital January 2005 - July 2006
General Electric Capital, Transportation Finance January 2005 - January 2006
CitiCapital Commercial Corporation, Transportation Financial Services January 2001 - January 2005
CitiCapital January 2001 - December 2004
Associates First Capital March 1999 - January 2001
Associates First Capital Corporation, Ryder Finance Center January 1999 - January 2001
Skills
Loans, Financial Analysis, Credit, Finance, Portfolio Management, Sales, Pricing, Financial Risk, New Business Development, Customer Service, Credit Analysis, Risk Management, Sales Management, Account Management, Customer Satisfaction, Strategic Planning, Financial Services, Team Building, Commercial Lending, Transportation
Education
Bryant College of Business Administration 1983 — 1987
Bachelor of Science, Finance
Bryant University 1983 — 1987
Bachelor's degree in Finance, Finance
CenturyLink April 2011 - Present
Embarq August 2008 - July 2009
Embarq December 2004 - August 2008
Sprint 2003 - 2004
Sprint 2000 - 2004
Sprint 2002 - 2003
Sprint 2000 - 2002
Associates First Capital August 1999 - June 2000
Skills
Financial Analysis, Financial Modeling, Pricing, Forecasting, Budget Management, Investor Relations, Offer Development, Analysis, Competitive Analysis, Data Analysis, Compensation Planning, Team Leadership, Leadership Development, Strategic Planning, Executive Communications, Investor Presentations, Organizational Design, Program Management, Inside Sales, Hiring/firing, Coaching, Cross-functional Team..., Risk Assessment, Account Management, Analytics, Broadband, Budgets, Business Case, Business Planning, Executive Management, Finance, Business Process..., Business Strategy, Leadership, Market Research, Management, Marketing, Marketing Strategy, Mergers, Personnel Management, Pricing Strategy, Product Management, Segmentation, Strategy
Education
University of Kansas - Graduate School of Business 2001 — 2004
MBA, Finance Concentration
Southern Nazarene University 1995 — 1999
Bachelor of Science, Business
Seoul Foreign School 1992 — 1994
hughes family vineyrards CEOThe Associates
The Associates 1996 - 2000
Associates First Capital 1994 - 2000
Associates Financial Services 1994 - 2000
Skills
Management, Corporate Finance, Philanthropy, Viticulture, Corporate Communications
Education
Miami University 1964 — 1969
BS MBA, Marketing
Gibraltar Capital Advance, LLC 2014 - Present
Rewards Network December 2007 - July 2013
Smith Rothchild Financial August 2006 - October 2007
Citi July 2004 - July 2006
Citi March 2002 - June 2004
Citi January 2000 - February 2002
Associates First Capital July 1996 - December 1999
Citicorp Mortgage August 1991 - June 1996
Skills
Credit Risk, Credit, Credit Analysis, Loans, Banking, Portfolio Management, Risk Management, Underwriting, Financial Modeling, Financial Analysis, Financial Services, Mortgage Lending, Corporate Finance, Financial Risk, Operational Risk..., Relationship Management, Credit Cards, Analytics, Due Diligence, Strategic Financial...
Education
Washington University in St. Louis - Olin Business School
MBA
Truman State University
BS/BA, Business
Citi March 2011 - Present
Citi June 2007 - February 2011
Citi May 2007 - February 2011
Citi May 2005 - 2007
Citi June 2003 - 2005
Citi June 2002 - 2003
Associates First Capital 1999 - 2002
University of North Texas 1991 - 1999
Skills
Strategy, Business Strategy, Segmentation, Forecasting, Analytics, Portfolio Management, Management, Risk Management, Pricing, Retail, Financial Analysis, Leadership, Credit Cards, Financial Services, Vendor Management, Relationship Management, Credit Risk, Banking, Credit, Product Management, P&L Management, Business Analysis, Financial Modeling, Finance, Executive Management, Retail Banking, Mergers & Acquisitions
Education
Michigan State University 1986 — 1992
Ph.D., Economics
University of New Hampshire 1981 — 1985
Bachelor of Arts (B.A.), Economics
Discover Financial Services June 2014 - Present
Discover Financial Services June 2008 - May 2014
Citigroup 2003 - 2008
Citigroup 2001 - 2003
Associates First Capital 1999 - 2001
Skills
Credit Cards, Finance, Financial Services, Financial Risk, Basel II, Predictive Modeling, Banking, Credit Analysis, Risk Analytics, Credit Risk, Payments, Operational Risk, Portfolio Management, Loans, Risk Management, Credit, CRM, Financial Analysis, Predictive Analytics, Financial Modeling, Management, SAS, Analytics, Operational Risk..., Enterprise Risk..., Credit Scoring, Market Risk, Retail Banking, Executive Management, Statistical Modeling, Fraud, Relationship Management, Debit Cards, Quantitative Analytics, Underwriting, Corporate Finance, Segmentation
Education
University of Pennsylvania - The Wharton School 1988 — 1992
Sun Loan Company December 2013 - Present
Marine Credit Union Enterprise June 2008 - December 2013
BAN Consultants March 2008 - June 2008
Wells Fargo Auto Finance 2001 - 2008
Origen Financial August 1997 - July 2001
The Associates 1993 - 1997
Associates First Capital 1993 - 1997
Community Credit Co 1982 - 1990
Skills
Retail, Sales Management, Leadership, Income Statement, Loans, Underwriting, Mortgage Lending, Consumer Lending, Mortgage Banking, Finance, Separately Managed..., Sales, Banking, Credit, Loan Origination, Team Building, Marketing, Credit Analysis, Commercial Lending, Portfolio Management, Financial Analysis, Risk Management, Financial Services, Cash Management, Small Business Lending, Process Improvement, Strategic Planning, New Business Development, Refinance, Executive Management, Business Development, Loan Servicing, Retail Banking, Forecasting, Strategic Financial..., Commercial Banking, Customer Retention, Cross Selling, Credit Cards, Residential Mortgages, Lines Of Credit, Loss Mitigation, Credit Risk, Financial Risk, Branch Management, Mortgage Servicing, Relationship Management, Mortgage Underwriting, FHA, Credit Unions
Education
St. Cloud State University 1978 — 1983
BA, Criminal Justice
St. Cloud State University 1978 — 1982
BA, Criminal Justice
Eden Prairie High School 1975 — 1978
WebBank January 2011 - Present
Big Daddy's Pizza July 2008 - January 2011
Wells Fargo November 2001 - February 2008
Citigroup (Formerly The Associates) July 1998 - November 2001
Associates First Capital July 1993 - July 1998
Skills
Microsoft Office, Business Analysis, Administration, Administrative Support, Office Management, Kaizen, System Administration, Administrative..., Banking, Human Resources, Coaching, Customer Service, Training, Call Centers, Management, Business Development, Finance
Education
University of Phoenix 2002 — 2006
B. S, Business Management
Utah State University 2000 — 2000
Certificate, Human Resources Management
Salt Lake Community College 1991 — 1993
Certificate, Office Information Systems
PrimeLending December 2012 - Present
Wells Fargo September 2011 - December 2012
Wells Fargo January 2008 - September 2011
GreenPoint Mortgage November 2004 - March 2008
Homecomings Financial March 2001 - October 2004
GMAC RESCAP 2001 - 2004
Associates First Capital August 1991 - February 2001
Skills
Mortgage Banking, Loss Mitigation, Reverse Mortgages, Loan Servicing, Sales Management, Financial Analysis, Credit, Mortgage Lending, Residential Mortgages, Loans, Loan Origination, Vendor Management, First Time Home Buyers, Investment Properties, USDA, FHA, Refinance, FHA financing, VA loans, Government Loans, Construction Loans, Mortgage Underwriting, Underwriting, Credit Analysis, Certified Mortgage..., Commercial Mortgages, Consumer Lending, Mortgage Servicing, Real Estate Financing, Commercial Lending, Home Equity Lines of..., Home Equity Loans, Mortgage Marketing, Real Estate Economics, Banking, Financial Services, Small Business Lending, Credit Risk, Cross Selling, Finance, Relationship Management, VA Loans, FHA Financing, Real Estate, Sales, Management, Foreclosures, Leadership, REO, Short Sales
Education
Cardinal Stritch University 1985 — 1987
BA, Business Administration
Citi 2013 - Present
Gettysburg National Military Park 2003 - Present
Time Warner Cable 2012 - 2013
PayPal (eBay / Bill Me Later) 2007 - 2012
CitiFinancial (Citibank) 2002 - 2007
Advanta 2000 - 2002
Associates First Capital 1993 - 2000
Skills
Risk Management, SAS, Portfolio Management, Project Management, Forecasting, SQL, Adaptive Control, TRIAD, Predictive Dialers, Collection Strategy, Credit, Credit Cards, Credit Risk, Payments, Analytics, Call Centers, Financial Services, Vendor Management, Analysis, Process Improvement, Finance, Leadership, Management, Loans
Education
State University of New York College at Buffalo
BS, Business
Wenjo Investments 2001 - Present
Associates First Capital 1975 - 2001
Skills
Finance, Mergers, Strategic Planning, Risk Management, Private Equity, Portfolio Management, Financial Modeling, Financial Analysis, Mergers & Acquisitions, Due Diligence, Investments, Corporate Finance, Banking
Education
The University of Texas at Austin
BBA, Accounting, Finance
IBM Global Finance November 2013 - Present
Merrill Lynch 2011 - 2012
Morgan Stanley Wealth Management 2009 - 2011
Bi-Coastal Financial Services, LLC February 2009 - December 2009
De Lage Landen March 2008 - December 2008
GE Commercial Finance March 2006 - October 2007
GE Healthcare Finance June 2000 - February 2006
Associates First Capital May 1997 - May 2000
Associates First Capital October 1995 - April 1997
Skills
Finance, Portfolio Management, Capital Markets, Strategy, Structured Finance, Negotiation, Financial Analysis, Loans, Financial Services, Investments, Management, Leadership, Business Development, Mergers & Acquisitions, Financial Modeling
Education
San Diego State University-California State University
BS, Finance, Mathematics
University of Southern California - Marshall School of Business
MBA, Corporate Finance
Self-Employed March 2014 - Present
Bank of America September 2011 - March 2014
Bank of America July 2008 - August 2011
Countrywide Financial May 2004 - June 2008
Providian Financial November 1999 - May 2004
Associates First Capital June 1998 - October 1999
Federal Deposit Insurance Corporation August 1991 - June 1997
Skills
Risk Management, Program Management, Operational Risk, Banking, Loans, Credit, Mortgage Lending, Mortgage Banking, Operational Risk...
Education
Thunderbird School of Global Management 1997 — 1998
Master's degree
The University of Manchester 1990 — 1991
Diploma
Menlo College 1985 — 1989
Bachelors
Select Portfolio Servicing March 2002 - Present
Citigroup 1986 - 2002
Associates First Capital 1986 - 2002
CitiFinancial (formerly Associates Capital Bank) 1986 - 2002
Associates 1986 - 2002
Associates Capital Bank 1986 - 2002
Skills
Portfolio Management, Mortgage Lending, Credit, Loans, Mortgage Banking, Loss Mitigation, Asset Managment, Valuation, Banking, Strategic Planning, Loan Origination, Risk Management, Asset Management, Finance, Underwriting, Process Improvement, Vendor Management
Education
Northern Illinois University
BS, Business Administration
Federal Deposit Insurance Corporation August 2009 - Present
MMC Group LP April 2009 - August 2009
IndyMac Federal Bank November 2005 - 2009
Indymac Bank 2005 - 2009
Omega Performance Corporation February 2005 - August 2005
Citigroup January 2002 - January 2005
Citi Cards 2002 - 2005
Associates First Capital January 1998 - December 2001
Associates First Capital Corporation August 1995 - March 1998
Associates Corporation of North America April 1984 - August 1995
Skills
Strategy, Business Process..., Process Improvement, Management, Leadership, Program Management, Mergers & Acquisitions, Strategic Planning, Training, Budgets, Financial Services, Portfolio Management, New Business Development, Call Centers, Loans
Education
University of Notre Dame 1973 — 1977
BBA, Business
University of Notre Dame - Mendoza College of Business
BS in Accounting
CitiCards, Citigroup 2000 - Present
Associates First Capital 1995 - 2000
Education
San Diego State University-California State University 1984 — 1989
Computer Science
Marlin Business Bank Bank PresidentMarlin Leasing2005 - Present
Marlin Business Bank 2005 - 2009
Associates First Capital 1981 - 2001
The Associates 1981 - 2001
Associates Capital Bank 1993 - 2000
Education
Bowling Green State University 1964 — 1968
BS, Politial Science
Bosch Design Group April 2010 - Present
The Ritz-Carlton Club and Marriott Vacation Club Intl. November 1998 - April 2010
Associates First Capital May 1996 - October 1998
Education
University of Colorado Boulder - Leeds School of Business 1992 — 1996
Finance, International Business
Gibraltar U.S. October 2009 - Present
CBI Laboratories, Inc. August 2007 - October 2009
C. Pitman Baker, Associates 2006 - 2007
Wood Group HIT LP 1999 - 2004
Associates First Capital 1998 - 1999
FirstCity Financial 1995 - 1998
Jayhawk Acceptance 1994 - 1995
Ernst & Young 1992 - 1994
Skills
Contract Negotiation, Financial Analysis, Strategic Planning
Education
The University of Texas School of Law 1989 — 1992
JD
The University of Texas at Austin - Red McCombs School of Business 1989 — 1992
MBA
The University of Texas at Austin 1985 — 1988
BBA
City of Dallas May 2002 - Present
Associates First Capital March 1996 - June 2001
NationsBank 1990 - 1996
Bank of America 1990 - 1996
Skills
Governance, Databases, Disaster Recovery, Government, Strategic Planning, IT Strategy, IT Management, Process Improvement, SDLC, Business Intelligence, Change Management, Business Analysis, Integration, Project Management, Program Management, Vendor Management, ITIL, Project Portfolio..., Enterprise Architecture, PMO, Business Process..., ERP, Security, Data Center, Information Technology, Business Process
Education
The University of Texas at Dallas
BA
AlixaRx August 2015 - Present
Concentra June 2003 - May 2015
Ericsson September 2000 - June 2003
Freddie Mac March 1999 - September 2000
Associates First Capital November 1998 - March 1999
Lucent Technologies July 1995 - November 1998
DacEasy Inc. May 1986 - July 1995
Skills
Performance Tuning, Disaster Recovery, Databases, Unix, High Availability, Unix Shell Scripting, SDLC, Solaris, SQL, Database Design, Sybase, PL/SQL, Data Migration, SSIS, HP-UX, Relational Databases, Programming, Linux, Oracle, Oracle SQL, Replication, Oracle E-Business Suite, SSRS, SQL Server, T-SQL, Deployment, Ultipro, Awk, Sed, Sarbanes-Oxley, HIPAA, ITIL v3 Foundations...
Education
The University of Texas at Dallas 1984 — 1986
BS, Business Administration
Moody's Investors Service March 2003 - Present
Deutsche Bank January 2000 - March 2003
Associates First Capital January 1996 - January 2000
Federal Reserve Bank of Dallas January 1990 - January 1996
Skills
Corporate Finance, Private Equity, Economics, Strategy, Credit, Business Strategy, Fixed Income, Credit Risk, Valuation, Financial Modeling, Portfolio Management, Credit Analysis
Education
Colby College
Bachelor of Arts (BA), Economics
London School of Economics and Political Science
Master of Science (MSc), Economics
University of California, Los Angeles
PhD, Economics
ForeFront Logic September 2001 - Present
ALLIANCE DATA SYSTEMS 1999 - 2001
ASSOCIATES FIRST CAPITAL 1998 - 1999
SPS Payment Systems 1987 - 1998
Skills
HTML, SQL, Project Mangement, Business Intelligence, Project Management, Business Analysis, Software Development, Software Project..., Web Development, JavaScript, Microsoft SQL Server, Agile Methodologies, SDLC, Integration, Requirements Analysis, E-commerce, Strategic Planning, Cross-functional Team..., Program Management, Management, Vendor Management, Customer Service
Education
Carthage College 1964 — 1968
BS, Business Administration and Management, General
Santander Bank, N.A. November 2013 - Present
Saxon Mortgage December 2007 - November 2013
General Electric Capital Corporation 2005 - 2007
GE Commerical Finance 2005 - 2007
CitiCapital Commercial Corporation 1989 - 2005
Associates First Capital 1989 - 2005
Skills
Litigation Management, Due Diligence, Corporate Governance, Corporate Law, Mergers, Risk Management, Loans, Loan Servicing, Licensing, Contract Negotiation, Real Estate, Securitization, Joint Ventures, Banking, Legal Writing, Mortgage Banking, Finance, Bankruptcy, Mergers & Acquisitions
Education
Bowling Green State University
B.S. in Business Admin., Magna Cum Laude, Business Pre-law
The Ohio State University
J.D., with honors, Law