Tom Ryan

Background

About Tom Ryan

I am a Dealer Finance Relationship Manager experienced in commercial banking, providing financing to privately-held automotive dealerships in the Maine market. My team and I serve dealerships with revenues of $8 million to $400 million, and provide financing from $1 million to $100 million with an emphasis on Floorplan, working capital needs, acquisitions, refinances, partner buyouts and real estate. Dealer Finance Products/Services: 1) Floorplan financing - new and used vehicle inventory 2) Term Debt - acquisitions, dividend recaps, refinances, and partner buy-outs. 3) Revolving Lines of Credit and Asset-Based Lending Revolvers - working capital and general corporate purposes. 4) Syndications - club deals with other regional banks. 5) Enterprise Payments - deposit accounts, ACH, wires, remote recapture for checks, merchant services, A/R&A/P automation, and purchase cards with cash back rebates. 6) Equipment Lines - capital leases for shop equipment, computers, furniture & fixtures, etc. 7) Interest Rate Swaps - to hedge interest rate risk. 8) FX - to hedge currency risk. 9) Private Banking - wealth management, investment management and trust accounts, succession planning, and corporate cash management accounts with fixed income portfolio returns. 10) Commercial Mortgages - owner occupied and non-owner occupied real estate (NOORE lending). 11) Residential Mortgages with preferred rates. Contact Info: Office #:(207)874-7029 thomas_ryan@keybank.com Experienced sales, credit, and operations manager with leadership experience within a Fortune 500 company. Ability to build and lead high performing teams during organization transitions while meeting corporate goals. Expertise in commercial and consumer lending in both a captive and bank environment. Employs a collaborative management style and diplomatic communication to motivate and achieve consensus across all organizational levels.