J. Christopher Pictor

A highly results-oriented and driven professional with over 25 years of extensive experience in the subprime automotive lending sector. J. Christopher Pictor excels in dealer relationship management, strategic sales and marketing, and cultivating robust dealer relationships. He possesses a proven track record of significantly increasing loan volume, optimizing portfolio yield, and implementing effective risk management and compliance strategies. Adept at leadership, team building, coaching, and training, he leverages strong communication and analytical skills to drive business growth, enhance profitability, and ensure operational excellence in fast-paced, growth-oriented environments.

• Sales & Marketing Strategy: Designing and executing programs to drive significant loan volume and market share.
• Dealer Relationship Management: Building, maintaining, and expanding high-performing dealer networks.
• Portfolio Growth & Yield Optimization: Managing multi-million dollar portfolios with a focus on profitability and low charge-offs.
• Risk Management & Compliance: Implementing policies and procedures to mitigate risk and ensure regulatory adherence.
• Team Leadership & Development: Recruiting, training, and coaching high-performing teams with minimal turnover.
• Business Management: Strategic planning, decision-making, and operational oversight.
• Communication & Negotiation: Fostering effective internal and external relationships.
• Analytical Skills: Data-driven decision making for improved performance.
• Loan Underwriting: Proficient in assessing creditworthiness and approving loan applications.
• Deal Closure: Expertise in finalizing loan agreements and capturing business.
• Market Share Expansion: Strategic in growing a company's presence within its target market, shown by efforts to gain market share with franchise and independent automotive dealers.

• Portfolio Growth: Built and managed a $129 million subprime auto portfolio with a 31% yield and 11% look-to-book ratio.
• Sales & Business Development:
• Increased loan volume by 198% in two years through tailored dealer programs.
• Doubled business volume in 60 days at United Auto Credit Corporation.
• Signed 60+ dealers in 90 days, with 42 producing deals within 30 days.
• Increased subprime auto loan production by 127% in 2014, resulting in the Indiana region becoming the second highest producing region for the company.
• Grew a loan portfolio by 30% ($9M to $12M) at CNAC, leading to a promotion to Managing Partner.
• Achieved 87% gap penetration and $6.4M in fees on a $72M portfolio in 2022.
• Risk Mitigation & Efficiency:
• Reduced mechanical charge-offs by 20% and eliminated mechanical losses at CNAC through new communication and payment policies.
• Created new procedures that led to an average increase of 40-60 leads generated and 7-10 new customers per month.
• Team Leadership: Successfully hired and trained two teams of employees for new stores, maintaining optimal staffing levels with minimal turnover.