Kathy Bedford
McKinney,TX
Summary
Results-driven risk management and finance professional with over 25 years of diversified experience in financial service industry. Proven track record of achieving results through collaborative efforts and strategic planning. Skilled in risk management, funding, consumer credit analysis, credit management, compliance, and data analysis. Known for adaptability, reliability, and effective communication in dynamic environments. Experienced Lead Consumer Credit Risk Officer with high integrity and deep knowledge of the consumer credit environment to support the business needs in Consumer Credit and Risk Department.
Overview
25
25
years of professional experience
Work History
Lead Consumer Credit and Risk Officer
Harley Davidson Financial Services
09.2019 - Current
- Business owner of processes and business outcomes and therefore leads the design of processes, procedures, and culture that deliver best in class Consumer Originations lending capabilities.
- Collaborated with cross-functional teams to identify, assess, and mitigate potential risks across the organization.
- Analyze business performance and stakeholder needs and translate them into effective requirements that drive valuable systems changes and then develops and execute test plans that reduce defects and speed release cycles while coordinating the install of pricing and program changes.
- Drives projects and initiatives that improve consistency, accuracy, and efficiency within Originations through project plans, communication plans, and sustainment plans while implementing effectiveness measures to monitor and evaluate quality and accuracy.
- Designed custom training programs to educate employees on best practices in managing risks within their respective roles.
- Influenced appropriate risk management prioritization on front lines to promote strategic objectives while meeting operational risk program expectations.
- Engaged in complex data analytics, quality assurance and database management to quantify and substantiate observations and lend credence to proposed operational enhancements.
- Took initiative in gathering information and solving problems independently within highly structured corporate environment.
- Produced and analyzed scorecards and other performance management tools to identify and mitigate risk exposure and monitor progress towards stated project goals.
- Participated in audit reviews, providing expertise on risk-related matters and ensuring accurate documentation of findings.
- Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
Consumer Credit Manager
HARLEY-DAVIDSON FINANCIAL SERVICES
09.2008 - Current
- Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
- Provides management of day-to-day operations of 13 consumer credit analysts by coordinating resources to deliver service and productivity metrics while managing dealer relationships across the United States and Canada
- Examines credit risk elements of the most complex credit files to promote and sustain profitable growth
- Worked cross-functionally with sales, management, and other departments to maintain effective operations.
- More than 80% of credit analysts rank in top 20% for production, quality or leadership skills
- Created educational material and serves as Consumer Credit Trainer, conducting over 60 underwriting dealer sessions with more than 1,200 participants to help maximize sales development and strengthen credit negotiations
- Implemented successful launch of Retail Optimization Telecommuting Project in consumer underwriting resulting in over 40% of underwriting staff working remote
- Recognized with Black Level Continuous Improvement Award for work from home program
- Served as project lead and subject matter expert for Consumer Credit Operations on launch of multimillion-dollar Telecommunication project
- Led strategic research team to collect and analyze dealer market finance effectiveness resulting in key initiatives to support system automation plans
Interim Commercial Marketing Manager
HARLEY-DAVIDSON FINANCIAL SERVICES
06.2019 - 01.2020
- Planned and coordinated the Annual Dealer Meeting Worldwide Show HDFS Underwriting video with HDFS Marketing Director
- Showcased talents in production as narrator of HDFS Underwriting to promote Credit Online Applications (COA), benefits of rehash process, and training available to dealers
- Prepared and coordinated detailed data analysis for Risk and Pricing executive leadership meetings to include multiple finance promotions and pricing change initiatives
- Executed retail rate change initiative with key stakeholders successfully across consumer operations for United States dealers
- Led and coordinated multiple retail marketing campaigns and finance promotions for United States and Canada markets
- Managed Harley-Davidson Visa dealer channel incentives designed to improve visa usage and increase enrollment
- Coordinated, reported and communicated payouts for internal and external winners by partnering with US Bank
- Researched and submitted data for FDIC Audit by coordinating with marketing and creative agencies to secure pertinent files
Origination Manager
HSBC FINANCE CORPORATION
07.1999 - 07.2008
- Managed monthly quotas in excesses of $12M to meet or exceed department goals as high as $80M
- Managed and motivated employees to be productive and engaged in work.
- Developed a strong company culture focused on employee engagement, collaboration, and continuous learning opportunities.
- Increased market share with strategic business development efforts, expanding into untapped markets.
- Authorized and coordinated over 50 high level exceptions daily to ensure profitability metrics were not compromised by utilizing profit structuring tool, exception handling policies and credit management experience
- Produced and managed over $59M in new loan originations in Q1 and Q2 of 2008
- Oversaw credit and funding operations of 250 dealerships in the Southeast region
- Wrote and implemented standard operating procedures for credit personnel to ensure consistency in unit operations
- Earned 5 promotions throughout HSBC career to include Funder, Funding Supervisor, Credit Officer, Senior Credit Officer and Originations Manager for Funding & Credit
Education
Bachelor of Arts - Business Administration And Management
University of Phoenix
Dallas, TXBusiness Studies -
San Diego State University
San Diego, CASkills
- Operational Risk
- Consumer Credit Training
- Risk Mitigation
- Dealer Relationship Management
- Employee Development
- Project Management
- Risk mitigation strategies
- Credit Analysis
- Consumer Credit & Funding Management
- Effective Communication
Affiliations
- Delta Mu Delta Honor Society - Member of Lambda Sigma Chapter International Honor Society
Timeline
Lead Consumer Credit and Risk Officer
Harley Davidson Financial Services
09.2019 - Current
Interim Commercial Marketing Manager
HARLEY-DAVIDSON FINANCIAL SERVICES
06.2019 - 01.2020
Consumer Credit Manager
HARLEY-DAVIDSON FINANCIAL SERVICES
09.2008 - Current
Origination Manager
HSBC FINANCE CORPORATION
07.1999 - 07.2008
Bachelor of Arts - Business Administration And Management
University of Phoenix
Business Studies -
San Diego State University
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