STEVE L HARWOOD
3320 Quartz Lane, Apt D26  Fullerton, CA 92831  (714) 343-6076  stevelharwood@gmail.com
Professional Profile Seasoned commercial and consumer credit underwriter 16 years of experience acknowledged for sound decisionmaking talents borne of in-depth analysis, business acuity, and big picture vision. Proven record of success in
cultivating new business relationships, increasing overall profitability, and providing a high level of customer
service. A clear understanding of the importance of maintaining and expanding customer relationships, developing
new business, reviewing existing Lease arrangements and negotiating appropriate lease structures. Initiates actions
proactively by seeking out and suggesting alternative ways to do business that go beyond what is usual, regular, or
customary.
Work Experience
Credit Manager, First Financial Corporate Services, Inc, Placentia, California
2011 - 2015
Essential functions include the credit evaluation of all potential debt and single investor leases reviewing and analyzing financial
statements, D&B, Lexis, Moody's, DAC bond of new and existing customers for credit risk and make appropriate credit limit
recommendations within corporate credit policy guidelines and in support of business revenue and profitability goals
Prepared a detailed analysis of a potential lessee’s financial position by evaluating the balance sheet and income statements, as well as the
debt covenants and cash flow. A detailed write up is provided to the lenders and investors to help with the evaluation of the credit and
equity risk
Responsible for pricing transactions given credit, collateral, term, customer, potential competition. Confirmed EOT estimates while
estimating debt rate or single investor pricing in order to achieve set target yields given deal, competition, and relationship considerations.
Demonstrated a clear understanding of the importance of pricing to ensure that most approvals where converted into funded transactions
Developed and built strong strategic lender relationships with sources that addressed company objectives of retaining transactions residual
upside and lease servicing income
 Supported a 25 person sales team responsible the placement of more than 250 lease contacts totaling $126MM in originations
 Helped created a new app-only small ticket funding program with a lending partner that generated an additional $18MM in new
lease originations in 2014
 Finished 2014 with record total contract volumes achieving 118% of revenue and contract volume goals with more than 250
funded contracts and $126MM in total originations generating $1.8MM of gross profit
 FFCSI's credit quality continues to be excellent with only 0.5% of all portfolios delinquent with losses not exceeding 0.3% across
all portfolios
 FFCSI was ranked in March, 2013 by Monitor as the 14th largest independent lessor in the U.S.
 First Financial ranks no. 1,554 on the 2013 Inc. 500|5000 with three-year sales growth of 191%
Credit Manager / Relationship Manager, ENvision Capital Group, LLC, Newport Beach, California
2009 - 2010
Reviewed all new and existing clients' lease applications responsible for evaluating both personal and business credit information, including
credit reports, financial statements, and equipment values. Analyzed credit files and prepared equipment lease packages for placement with
the appropriate funding sources
Present written reports detailing the financial position and cash flow of the client, potential risks, collateral position, strengths, and
weaknesses with recommendations for credit structure, risk rating, pricing, and credit approval
Followed up with and assisted sales group with any required approval contingencies to help secure final funding
 Supported a 12 person sales team responsible the placement of more than 120 leases contacts totaling $19MM in originations
generating $462,000 of gross profit
 Created and maintained a middle-market offering metrics providing real-time financial, credit and residual data for each funding
source allowing for the detection of any possible rate, structure, or credit challenges at deals inception. This metrics improved the
overall timing of each lease proposal and reduced transaction turnaround by 25%
Credit Analyst, GMAC - (American Suzuki Financial Services), Anaheim, California
2004- 2009
Performed retail and commercial credit underwriting for American Suzuki Motor Corporation acting as their captive finance company
responsible for originating automobile retail installment contracts for 64 dealers in 11 Western States
Reviewed incoming Lease/retail applications for American Suzuki Motor Corporation's dealer body making final credit decision based on
good business sense
Built and maintained strong dealer relationships through the effective communication of all credit decisions and by consistently providing
the highest level of service to the dealer body
Effectively negotiated credit decisions that helped generate Suzuki's sales growth while still supporting GMAC's business revenues and
profitability goals
 Finished 2005 & 2006 ranked #1 nationwide in new dealer business adding a total of 32 new dealers to my territory during this
time. Finished 2007 ranked #2 nationwide in total contract volume achieving 118% of revenue and contract volume goals while
maintaining a profitable portfolio that had one of the lowest delinquency/charge off rates company-wide
 Consistently exceeded area performance objectives for total contract volume and active dealers averaging more than 160 lease and
retail contracts per month with 58 active dealers
Credit Supervisor / Golf Car Leasing, Yamaha Motor Corporation, Cypress, California
2000 - 2004
Coordinated and develop marketing materials with the sales group based on sales forecasts and other market information that required
attendance at offsite dealer, consumer, and Yamaha sales meetings
Trained and managed a support staff with the preparation of high quality written reports analyzing business financial statements and other
credit information
 Managed a $160 million-golf car lease portfolio responsible for the final credit review and any recommendations for all new Lease
business
 Directly involved with the expansion of Yamaha's golf car business with the development and promotion of some creative finance
and incentive programs designed improve sales profitability and inventory levels for the golf car group
Lease Portfolio / Team Leader, Toyota/ Lexus Financial Services, Irvine, California
1998 - 2000
Essential functions include compiling financial statements, investigating all available sources of credit and financial information contained
in bank files and data systems as well as outside sources
 Started at an entry-level position and was promoted to team leader in less than a year, supervising eight associates
 Assigned additional responsibility as wholesale auditor responsible for the physical verification and reconciliation of a dealer’s
outstanding wholesale obligation, under all wholesale lines
Education
Bachelor of Science, Business Finance, California State University, Long Beach, California
Skills
Proficient in a vast array of office and web-based applications, including Excel, Word, PowerPoint, Lease Plus, LeasePak, LeaseSoft, D&B,
Lexis, Moody's, DAC bond and various other online credit reporting services.