Bradley Lincoln
Tampa,FL
Summary
Detail-oriented individual with extensive experience in portfolio management, data analysis, and risk management. Demonstrated success in leading initiatives that enhance operational efficiency and fraud prevention, ready to contribute to strategic portfolio optimization.
Overview
13
13
years of professional experience
4
4
years of post-secondary education
Work History
Portfolio Manager - Consumer Lending
Ford Motor Credit Company
Tampa, FL
02.2022 - Current
- Manage diverse auto lending portfolios to optimize risk and return, and meet company profitability objectives.
- Leverage data and AI to proactively analyze market trends to adjust portfolio strategies.
- Lead efforts to prevent consumer fraud by implementing strategies and adapting to the constant change of fraud and other threats to risk.
- Collaborate with cross-functional teams to align financial objectives.
- Assist in managing the lending department's operations (200+ people). Led department kaizen to increase efficiency in both process time and headcount.
- Regularly (weekly and monthly) report and present data for all US business to executive team with analysis to support data.
Dealer Credit Lending Specialist
Ford Motor Credit Company
Tampa, FL
09.2018 - 01.2022
- Completed financial analysis for Ford franchised dealerships by fully understanding each dealer's financial health, market conditions, and liabilities to Ford.
- Assisted Ford dealers secure loans for their floorplan inventory, construction, mortgage, revolving lines of credit, and more. Each lending product required different scopes of analysis and risk management.
- Assisted Ford dealers and in-market Sales team in understanding financing options for various lending products offered.
Team Leader - Originations (Auto Lending)
Ford Motor Credit Company
Tampa, Florida
05.2017 - 08.2018
- Led teams of credit analysts in the Southeast Market Area with focus on optimizing customer service processes for improved dealer satisfaction.
- Traveled in the Southeast Market Area to build relationships with dealers, make formal introductions to new staff, and train dealers as needed.
- Coordinated training sessions for new employees to ensure employee growth and operational efficiency.
- Managed scheduling and resource allocation to meet staffing requirements effectively.
Credit Analyst
Ford Motor Credit Company
Tampa, Florida
01.2015 - 04.2017
- Analyzed credit applications for vehicle financing and loan approvals.
- Evaluated customer creditworthiness using financial data and risk assessment tools.
- Collaborated and negotiated with dealers to address customer inquiries and concerns.
Sales Executive (Executive Events)
IQPC
Tampa, FL
01.2013 - 10.2014
- Called C-Level Executives (Fortune 500) and secured attendance to niche conferences.
- Built confidence and personal growth by cold-calling and regularly conversing high level executives.
- Traveled and hosted events which required meeting high expectations by the attendees.
- Continue to maintain network that was built during this role.
Education
Bachelor of Science - Finance
The University of Tampa
Tampa, FL 08.2008 - 05.2012
Skills
- Portfolio management
- Risk assessment and management
- Data analysis
- Lending - auto, capital, construction, mortgage, revolving lines
- Operations management and efficiency
- Executive reporting and discussions
- Fraud detection and identification
- Project management
Timeline
Portfolio Manager - Consumer Lending
Ford Motor Credit Company
02.2022 - Current
Dealer Credit Lending Specialist
Ford Motor Credit Company
09.2018 - 01.2022
Team Leader - Originations (Auto Lending)
Ford Motor Credit Company
05.2017 - 08.2018
Credit Analyst
Ford Motor Credit Company
01.2015 - 04.2017
Sales Executive (Executive Events)
IQPC
01.2013 - 10.2014
Bachelor of Science - Finance
The University of Tampa
08.2008 - 05.2012