Stephany Lacey
Centerton,AR
Summary
Dynamic asset manager with a proven track record at an independent automotive dealership, overseeing multimillion-dollar asset bases. Expert in asset-backed financing and cash-flow modeling, I excel in optimizing capital allocation and fostering lender relations. My strategic leadership drives operational efficiency and enhances risk management, ensuring sustainable growth and profitability.
Overview
23
23
years of professional experience
Work History
Owner / Asset Manager
Residential Real Estate Portfolio - Carthage & Joplin, MO
01.2004 - 01.2025
- Owned and managed 20+ residential properties, acting as lead asset manager across acquisition, operations, and disposition.
- Analyzed asset-level performance, NOI, cash flow, and long-term value creation.
- Oversaw operating budgets, capital expenditures, and financing strategies.
- Coordinated refinancing activity and lender relationships.
- Supervised third-party property managers while retaining financial and strategic control.
Owner / Asset Manager
Independent Automotive Dealership & Finance Operations
01.2002 - 01.2025
- Founded, owned, and operated a high-volume automotive dealership managing a multimillion-dollar asset base consisting of vehicle inventory, receivables, and fixed assets.
- Served as primary asset manager, overseeing acquisition, valuation, depreciation, and disposition of inventory assets.
- Managed asset-based (warehouse/floorplan) credit facilities, including borrowing base calculations, lender reporting, curtailments, covenant compliance, and paydowns.
- Directed daily liquidity management, ensuring sufficient funding for inventory acquisition, operations, and debt service.
- Partnered directly with banks and lenders to negotiate financing terms, limits, pricing, and amendments.
- Built and reviewed cash-flow and inventory-turn models to optimize funding costs, asset velocity, and return on capital.
- Oversaw risk management related to asset concentration, market volatility, pricing exposure, and credit availability.
- Led all lender audits, reconciliations, and compliance reviews.
- Relevant Translation for ABS / Structured Finance: Asset pools
- Warehouse lines
- Borrowing bases
- Cash-flow waterfalls
- Credit risk
- Capital efficiency
Education
Bachelor's Degree - Business Administration
Missouri Southern State University
01.2005
Skills
- Asset-Backed & Structured Financing
- Warehouse / Floorplan Facilities
- Liquidity & Funding Operations
- Asset Valuation & Risk Management
- Cash-Flow Modeling & Forecasting
- Lender & Investor Relations
- Capital Allocation & Optimization
- Compliance & Covenant Oversight
Summary - Capital Markets Structured Finance
Hands-on experience managing asset-backed financing structures through warehouse-style lending facilities. Deep understanding of how asset performance, cash flow, and credit terms interact within financing structures. Experience aligning lender requirements, operational realities, and liquidity needs. Strong ability to review and interpret asset-level and portfolio-level cash-flow models. Comfortable working with banks, lenders, auditors, and external stakeholders in regulated environments.
Timeline
Owner / Asset Manager
Residential Real Estate Portfolio - Carthage & Joplin, MO
01.2004 - 01.2025
Owner / Asset Manager
Independent Automotive Dealership & Finance Operations
01.2002 - 01.2025
Bachelor's Degree - Business Administration
Missouri Southern State University