Patrick Inks

Background

About Patrick Inks

Accomplished People/ Business Leader within the Consumer and Commercial Lending Industry.Experience with Strategy Development and Implementation with Consumer & Commercial Lending to Prime and Subprime clients; Retail Banking; Buy Here Pay Here Portfolio Evaluations, Servicing and Lending; Automotive, Powersports, Marine, Recreational Vehicle, Trailer, Heavy Equipment, Mortgage, Credit Card, and Manufactured Housing Financing; Loan Origination and Servicing Systems Development and Customization, Custom Origination and Behavior Scoring; Dealership Sales, F&I, and Operations Management.CORE COMPETENCIES Credit Risk Management & Credit Risk Modeling – o Custom Origination and Behavior Scoring Development and Implementation o PD*LGD*EAD Loss Forecasting and Stress Testing o Risk Based Pricing and Lending Guidelines Development and Implementation o First in Independent Floorplan Lending to offer Auto-Decisioning of credit requests o Created Company Strategy to exit Large Unprofitable relationships and focus on Profitable Core Customers based on Risk Based Pricing and Portfolio Segmentation 15+ yrs Lending/Leasing Operations Management – o Underwriting, Customer Service, Collections, Repossessions o Customized and Installed several Loan Origination Systems o Credit Committee Oversite, Policy Committee Member o Created Underwriting and Loan Servicing Guidelines and Policies o Manage Vendor Relations with Experian, Equifax, Transunion, Lexus-Nexus, CT Lien 10+ yrs Field Sales, Internal and External Sales Management Prime, Sub-Prime, Deep Sub-Prime Consumer & Commercial Lending Buy Here Pay Here and Lease Here Pay Here Automotive Financing Commercial Leasing and Fleet Management Lease & Loan Portfolio Origination and Servicing Technology and Business Project Management Professional (PMP) Profit & Loss Management Strategic Planning & Vision Teambuilding & Leadership Forecasting & Budgeting Banking Regulatory Compliance Business Process Optimization• Business Valuations• Extended Warranty Programs, GAP Insurance, Credit Life & Disability, Collateral Protection Plans