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William Crow's Experience:
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Business Control Officer at Santander Bank, NA
November 2020 - Present | Dallas, TXFirst-line risk professional assigned to the auto dealership lending portfolio of the bank. Responsible for identifying, assessing, monitoring and resolving risk issues relative to the line of business.
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Credit Risk Review Analyst at Santander Holdings USA
March 2016 - Present | Dallas, TXMaking sure the group's policies "talk the talk", their actions "walk the walk" and that both align with the expectations of our customers and governmental regulators.
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Portfolio Manger II / Credit Analyst II at Santander Bank, NA
April 2013 - April 2016 | Dallas, TXCurrently responsible for underwriting of new business and periodic review of existing dealer relationships, including floor plan, real estate, term loans and revolving lines of credit. Originally a member of the Risk Management team, responsible for monitoring of dealer credit facilities for the Chrysler Capital portfolio. Facility types include dealer floor plan, real estate, term loans and lines of credit. Performs analysis, conducts reviews and makes recommendations regarding the continuation, expansion and/or reduction of dealer credit facilities. Also recommends changes to risk ratings and level of account monitoring as needed. Ensures compliance with bank and regulatory requirements. Previously served as Senior Credit Analyst, providing direction and guidance to retail credit team members, decisioning retail exceptions to credit policy and handling escalated dealer issues. Received Excellence Award in April 2014. Chrysler Capital is an affiliate of Santander Bank.
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Area Credit Manager at PACCAR Financial
March 2007 - 2012 | Denton, TXTook over an under-performing team, successfully managed turnaround during an economic downturn. Reduced credit losses and strengthened underwriting while building the portfolio. Supervised staff of analysts responsible for providing credit to purchasers of transportation equipment. Maintained effective wholesale and retail relationships with franchised equipment vendors. Exercised seven-figure credit authority and produced recommendations for larger credit lines. Oversaw dealer floor plan financing, including monitoring of limits, current balances, and oversight of inventory auditing. Total portfolio size in my area of responsibility was in excess of $1/2 billion.
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Senior Loan Officer at CitiCapital
October 2006 - March 2007Responsible for underwriting loans, leases and lines of credit under a private label finacing program.
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Ass't Franchise District Manager at H&R Block
May 2006 - October 2006Trained to partner with franchisees in all facets of tax office operation. Goals include ensuring franchisee's adherence to company standards; monitoring accuracy of recordkeeping; assisting with business planning, site location and business development; assisting franchisees in their dealings with corporate headquarters. Also worked as a certified tax preparer for Block for the 2004-2006 tax seasons.
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see description at various
August 2002 - May 2006Operated own multi-vendor retail business for two years (closed at end of building lease), then worked for various mortgage-related entities as originator, as a wholesale executive plus as a relationship manager for a credit counseling organization.
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VP / Director of Operations at Citicapital (Citigroup)
February 1986 - August 2002Promoted through branch operations to the rank of VP, where I handled wholesale (dealer floor plan) credit accounts throughout the U.S. Managed staff of analysts, made credit decisions with seven-figure authority and produced recommendations to management committee on larger facilities. Prior positions included area/branch management, sales management, and retail (end-user) credit management and underwriting. Portfolio under my management was in excess of $500 million. ? As a sales manager, exceeded goal of a 20% annual increase in loan production. ? Took an acquired portfolio with 30-day delinquency of 49% and reduced delinquency to under 1% within nine months. ? Introduced numerous process improvement initiatives resulting in cost savings, enhanced controls and more efficient operating procedures. One example was development and installation of a statistical model for managing dealer floor plan credit limits, resulting in a more accurate, definitive approach to monitoring limits. ? Managed department in aggressively-growing branch, tripling total loans outstanding over a three-year span. Increased efficiencies in order to achieve this growth without increasing headcount.
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VP / Director of Operations at Associates Commercial Corp
1986 - 2002CitiCapital was the successor to Associates.