John Thomas
Caddo Mills
Summary
Experienced leader delivering quality results in commercial finance, consumer finance and structured finance, with deep experience in asset based lending and lender finance. C-Suite experience as President, CRO and COO. Skilled in developing and maintaining internal and external relationships to facilitate achievement of strategic initiatives and organizational goals. Able to thrive in a fast-paced environment leveraging credit skills, operational skills, and management skills to ensure team success.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Managing Director, Asset Based Lending Team Leader
AloStar Capital Finance
- Managed a team of five (5) Portfolio Managers with 50 accounts totaling in excess of $1B in commitments across traditional ABL, Structured Finance, Lender Finance and Commercial Real Estate transactions. Responsible for performance evaluations, staffing, account assignments and managing the overall efficiency of the team.
Senior Relationship Manager
Regions Business Credit
- Managed a portfolio of 14 customers, including two of the largest customers at Regions Bank. Responsible for cross-selling ancillary bank products, managing customer financial performance and various collateral performance and metrics to ensure compliance with covenants. Assisted customers and managed bank group expectations during dividend recaps, restructurings, and loan workouts.
Senior Account Executive / Underwriter
Wells Fargo Capital Finance / Lender Finance
- Responsibilities included oversight of deal structure, due diligence, and assessment of financial and collateral performance of asset-based lenders & factors, senior debt funds, equipment leasing companies, healthcare lenders, venture debt lenders and other types of specialty finance companies. Responsibilities include structured pricing, eligibility criteria, covenants, advance rates, capitalization, and collateral monitoring strategy and appraisal methodology.
Account Executive
CIT Business Credit
- Managed a portfolio of 12 customers with facility sizes ranging from $5MM to $500MM. Customers ranged from large public companies to sole proprietors and S-Corps with dramatically different levels of sophistication. Managed customer financial performance and various collateral performance and metrics to ensure compliance with covenants. Collateral reporting varied from monthly Borrowing Base Certificates to daily reporting of sales invoices, credits, collections and adjustments. Assisted customers and managed bank group expectations during dividend recaps and restructurings, as well as loan workouts and liquidations.
Corporate Credit Analyst
Lehman Brothers
- Monitored a portfolio of assigned counterparties as well as relevant financial/market developments in cooperation with front office colleagues. Analyzed credit standing of counterparties to ensure safety and soundness of lending activities. Determine and maintain internal credit ratings and other risk metrics of the assigned portfolio. Provide training and guidance to junior credit officers particularly with respect to credit analysis as well as policy and regulatory adherence.
Jr. Account Executive, Field Examiner, Operations Specialist, Internal Audit and Compliance
Bank of America Business Credit
Managing Director - Head of Lender Finance
Texas Capital Bank
07.2023 - Current
- General managerial oversight of business as well as responsible for creating a business plan, credit guidelines, underwriting policies and procedures for Lender Finance and go to market strategy aligned with the bank’s overall strategy. Expand the Bank’s offerings to include traditional structured credit transactions, senior secured revolvers, unitranche, asset management, programmatic securitizations, and other financial products. Strategically exit specific transactions and grow lasting relationships with Clients.
President, COO & CCO
Encina Lender Finance, LLC
03.2020 - 07.2023
- Responsible for high level decisions that impact the company’s financial health and performance and responsible for making sure employees followed the organization’s vision and mission statements as well as company core values. Create strategies and directions for teams to follow to improve the organization’s efficiency and performance. Meet with team leads or executive members to receive updates and provide constructive feedback on ways for each department to improve its processes. Communicate with management teams to understand concerns, challenges and issues, as well as develop innovative solutions to potential issues and oversee the performances of executives and managers to ensure their teams are meeting deadlines, delivering quality work and reaching departmental goals.
- Brainstorming and planning long-term and high-level strategies to improve organizational processes
- Developing and updating company’s procedures and policies as needed
- Negotiate company contracts with vendors, clients, and investors to ensure all information is complete and accurate
- Preparing reports for and presenting to board of directors during meetings and providing accurate updates.
Managing Director, Head of Lender Finance
AloStar Capital Finance
03.2013 - 04.2020
- General managerial oversight of business, obtained board approval for the following: underwriting policies and procedures for each specialty finance vertical; recommendations and modifications to credit underwriting memos, due diligence, account management, surveillance and audit processes; meeting new business growth and pricing targets as set by senior management within target market of $10-40 million credit facilities; recommending third party vendors; and training/development of staff. During tenure team closed and underwrote more than $1.1billion in commitments with nearly $750MM in funded loan balances across 59 transactions across 14 consumer & commercial specialty finance company verticals.
Education
Master of Science - Banking And Finance
Dowling College
Oakdale12-2000
Bachelor of Arts - Business Management And Communications
Adelphi University
05-1995
Skills
- Credit risk assessment
- Financial analysis
- Comprehensive asset management
- Audit and compliance management
- Credit workout
- Syndication and origination experience
- Client relationships
- Strategic planning
- Business development
Certification
Formal Credit Training - Manufacturers Hanover Trust
Timeline
Managing Director - Head of Lender Finance
Texas Capital Bank
07.2023 - Current
President, COO & CCO
Encina Lender Finance, LLC
03.2020 - 07.2023
Managing Director, Head of Lender Finance
AloStar Capital Finance
03.2013 - 04.2020
Managing Director, Asset Based Lending Team Leader
AloStar Capital Finance
Senior Relationship Manager
Regions Business Credit
Senior Account Executive / Underwriter
Wells Fargo Capital Finance / Lender Finance
Account Executive
CIT Business Credit
Corporate Credit Analyst
Lehman Brothers
Jr. Account Executive, Field Examiner, Operations Specialist, Internal Audit and Compliance
Bank of America Business Credit
Master of Science - Banking And Finance
Dowling College
Bachelor of Arts - Business Management And Communications
Adelphi University
C-Suite Leadership
- Overseeing an organization's business operations and credit/risk management ensuring the company has proper operational and financial procedures, as well as designing and implementing operational and credit strategies, plans and procedures.
- Partnered with executives and board members to drive, influence, and collaborate on the accomplishment of business objectives and overall company goals. Advised on risk issues to influence strategic direction and long-term business planning and ensured compliance with regulatory rules and expectations. Manage processes and systems for establishing managerial and employee responsibility for risk management, including enforcing clear roles and responsibilities, ensuring appropriate incentive structure and proper accountability.
Section name
- Manufacturers Hanover Trust Formal Credit Training
- Chemical Bank Credit Training
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