marc williams

* Underwrote commercial equipment leases and approve those that are determined to be creditworthy for Direct Capital’s portfolio. This includes reviewing business reports such as Dun & Bradstreet, reviewing consumer credit reports for applicable business owners and reviewing other financial information. * Has saved the firm several hundred thousand dollars in detecting applications that were clear to be fraudulent transactions using various fraud prevention research techniques. * Assisted in writing training manual regarding what we do in the Credit department when reviewing potential customers for leases. * Promoted from Underwriter I to Underwriter II in 2012.

Underwrote timeshare receivables for contracting developers and made recommendations for purchase. This included reviewing consumer credit reports, calculating debt/income ratios and reviewing files for completeness of documentation. Assisted corporate financial decision-making through analysis of credit worthiness of individual consumers, overall portfolio performance of respective developer and other factors. Prepared disbursement closing sheets upon approval of loan, which documents status of the particular closing, as well as respective developer’s account status with Ansley, i.e., amount of credit remaining, amount used in particular closing, expiration date of contract, etc. Audited and managed developer loan portfolios including tracking of sales and collection statistics. This included reporting weekly sales statistics to company President and preparing monthly chargeoff reports for defaulted consumer loans in order to obtain a spread back from respective developers of those consumers. Underwrote up to $1 million per week in timeshare receivables.

* Performed collection activities on delinquent accounts via telephone and negotiated payment plans to accommodate the consumer and the company. * Monitored individual and unit’s monthly collection statistics to assure that collection goals are being met. * Consistently ranked among top 25% of Collectors in unit. * Millions of dollars in loan balances dropped during tenure. * Mentored and assisted fellow co-workers on collection techniques.

Serviced loans and lines of credit for contracting financial institutions via phone and written correspondence. This included responding to inquiries of consumers and financial institutions regarding account disputes. Researched and resolved account inquiries that could not be handled via telephone. This includes contacting bank branch for documentation, reviewing documents from an imaging system, and reviewing statements via Fiche. Prepared research spreadsheet for a particular client’s Vice President that consisted of account disputes that could not be handled by our company as an outsourcing agency.

* Review equipment vendors -- whether their relationship with the firm is new or existing -- which includes working with our Sales department to develop programs to enhance our business strategy with said vendors while effectively managing risk. * Manage and update Credit policies and Industry White Papers. * Work alongside with other departments in providing necessary data to internal and external auditors.

Underwrote commercial equipment leases and made recommendations for purchase. This includes reviewing business reports such as Dun & Bradstreet, reviewing consumer credit reports for applicable business owners and reviewing other financial information. Reviewed files during the pre-funding stage to check for completeness and accuracy as well to confirm that any approval stipulations had been met. Reviewed business information on new equipment vendors and made recommendation of eligibility of becoming a vendor for the company. Also, periodical review was done of the lease portfolios of our existing vendors to analyze quality of payment history of their customer base.

* Oversaw collection activities on delinquent accounts for our store location and managed customer accounts to resolve payment problems. * Managed day-to-day store operations including sales, rental application approval, customer contract review, etc. * Promoted from Account Manager. Once promoted, managed collection activities of two other Account Managers in store. * Maintained less than 10% account delinquency for store location, which was among best in company.

* Manage a team of 3 within the Credit department to ensure Underwriting quality guidelines are being met and time management of new business workflow is being handled efficiently. * Underwrite commercial equipment leases and approve those that are determined to be creditworthy for Direct Capital’s portfolio. This includes reviewing business reports such as Dun & Bradstreet, reviewing consumer credit reports for applicable business owners and reviewing other financial information. * Has saved the firm several hundred thousand dollars in detecting applications that were clear to be fraudulent transactions using various fraud prevention research techniques. * Assisted in writing training manual regarding what we do in the Credit department when reviewing potential customers for leases. * Periodically audit deals we have funded to ensure our Funding Managers have provided standard documentation we need for records of vendor approval. * Consistently one of the top producers in terms of lease approvals while keeping losses from defaults very low.