Stephen Overlock
San Marcos,CA
Summary
Accomplished equipment finance professional with over 25 years of experience driving direct sales, leading syndication, and spearheading vendor program development in commercial lending. Demonstrated success in personal sales, building and scaling finance divisions, and forging strategic funding partnerships. Experienced in originating, structuring, and managing equipment finance solutions for companies of all sizes and credit profiles across a wide range of industries.
Overview
32
32
years of professional experience
Work History
Vice President, Equipment Finance
Lendspark Corporation
Carlsbad, CA
01.2007 - Current
- Built the Equipment Finance Division from the ground up, securing top-tier syndicate lending partnerships for transactional funding.
- Oversaw all aspects of personal deal execution, including origination, credit, documentation, and funding with a focus on transaction size of 50k to 5MM.
- Scaled operations by hiring and training teams in sales, credit and funding coordination.
- Developed vendor and manufacturer point of sale Financing programs.
- Launched a Broker Desk supporting independent loan brokers nationwide with the sale of equipment Finance & leasing solutions to their clients.
Director, Bank Referral Network
Alliance Capital Corporation
Laguna Niguel, CA
01.2005 - 01.2007
- Created a new division connecting community banks with equipment Finance solutions.
- Delivered presentations and implemented programs for regional banks nationwide.
- Continued to manage and grow my own portfolio of equipment vendors & clients while simultaneously developing syndicate lending relationships for mid & large ticket equipment leasing.
- Spearheaded the introduction of new lending products including Factoring, PO Financing, and Unsecured Lines of Credit, while also successfully selling these products.
Sales-Licensed Property & Casualty Insurance Agent
Southwest Risk Management
Tempe, AZ
01.2004 - 01.2007
- Obtained my California Property and Casualty Broker-Agent License through the CA Department of Insurance and sold P&C insurance products as an add on service to my established client base while simultaneously continuing my role in the Equipment Finance Industry.
Sales Manager, Syndication Desk
Venserv, Inc., Inc.
Phoenix, AZ
01.2002 - 01.2004
- Led the mid-ticket syndication desk for a Warburg Pincus-backed equipment lender.
- Managed a 12-person sales team which has no industry experience.
- Procured and maintained relationships with syndicate lenders.
- Assisted a Marketing Team to define target verticals and campaigns.
- The division I led was the most profitable of any during my tenure with the company.
Vice President Equipment Finance
Alliance Capital Corporation
Charlotte, NC
01.1999 - 01.2001
- Launched and operated an East Coast sales office independently.
- Established regional bank relationships for syndicate funding solutions.
- Developed and managed key vendor programs in various industries.
National Accounts Manager
Alliance Capital Corporation
Marina del Rey, CA
01.1996 - 01.1998
- First hire and top performer at a fast-growing startup (Inc. 500 #63).
- Contributed to national growth and recognition through high-impact sales and client retention.
- Led vendor program development and repeat business strategy.
National Accounts Manager
Balboa Capital Corporation
Los Angeles, CA
01.1993 - 01.1995
- Successfully completed a comprehensive 30 day equipment Finance training program, mastering deal structuring, pricing, deal flow, present value calculations and margins.
- Prospected and closed equipment Finance transaction via cold outreach and industry research.
- Created targeted vendor programs that delivered consistent business.
- Represented the company at trade shows and industry events.
Education
Bachelor of Science - Marketing
Pennsylvania State University, Smeal College of Business
State College, PA06.1993
Skills
- Loan origination and closing
- Client engagement and relationship building
- Reading and interpreting financial statements
- Negotiation and syndicate lending
- Sales strategy and price structuring
- Sales leadership and management
Timeline
Vice President, Equipment Finance
Lendspark Corporation
01.2007 - Current
Director, Bank Referral Network
Alliance Capital Corporation
01.2005 - 01.2007
Sales-Licensed Property & Casualty Insurance Agent
Southwest Risk Management
01.2004 - 01.2007
Sales Manager, Syndication Desk
Venserv, Inc., Inc.
01.2002 - 01.2004
Vice President Equipment Finance
Alliance Capital Corporation
01.1999 - 01.2001
National Accounts Manager
Alliance Capital Corporation
01.1996 - 01.1998
National Accounts Manager
Balboa Capital Corporation
01.1993 - 01.1995
Bachelor of Science - Marketing
Pennsylvania State University, Smeal College of Business
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