George Artus
Cell Phone # 914-844-3473
EXPERIENCE:
HITACHI CAPITAL AMERICA, Norwalk, CT 9/07 – Present
AVP – Senior Credit Analyst
- Closely review and analyze the corporate financial statements of existing or perspective customers which includes a complete assessment of company cash flows and a detailed balance sheet evaluation
- Complete annual reviews of assigned commercial customers to ensure that a thorough credit risk analysis is fully developed and communicate the results of this analysis to senior management.
- Produce and analyze financial projections, as required, in order to assess the long-term viability of a customer’s cash flows in support of potential transactions.
- Complete a thorough due diligence investigation for all perspective customers.
- Complete a written credit recommendation for Hitachi Capital’s Home Office Chief Credit Officer in Tokyo, Japan for any credit line requests that exceed the domestic approval authority of $2 million.
- Supervise and manage a support team which includes a staff of four administrators and a junior credit analyst
- Maintain a credit request pipeline to ensure a timely turnaround for all credit underwriting requests
- Administer several reporting mechanisms to assist senior management in monitoring of the exiting portfolio
- Review UCC filings and Subordination requests to ensure proper legal position is maintained in all transactions
- Communicate with corporate legal counsel to ensure proper corporate/legal position in any negotiated agreements
- Assess recovery potential in the event of a customer default and manage the recovery process to it’s conclusion
- Work closely on special projects that come from the corporate parent company located in Japan.
- Interact with the field marketing staff located nationwide to ensure that open and timely communication is maintained for all credit requests while providing the marketing department with any assistance required.
- Attend various trade shows or manufacturer’s conference to support relationships established by the marketing staff
- Maintain and build relationships with the senior staff of various manufacturing companies that are seeking to establish and/or maintain financial relationships with Hitachi Capital
CHRYSLER FINANCIAL, Pearl River, NY (11/91 – 9/07)
Relationship Manager (8/99 – 9/07)
Coordinated the financial, credit, contract & wholesale agendas between Chrysler Financial and assigned dealerships
- Maintained proper documentation of all interactions with dealers utilizing the Salesforce.com platform
- Initiated and participated in credit file review process for real estate mortgages, capital loans, credit lines, equipment loans, wholesale takeovers, mergers and acquisitions
- Analyzed & monitored financial statements of clients within an assigned territory to identify opportunities or needs
- Performed Cash Flow Analysis of client operations to identify areas of financial strength and challenges
- Performed Industry Peer Comparisons on a variety of operational and financial indicators
- Forecasted annual/monthly financial targets and managed territory performance towards achievement of goals
- Monitored financial audits of dealerships to ensure accuracy & communicate results to upper management for review
- Two time winner of Chrysler Financial High-Performer Award
Commercial Credit Analyst / On-Site Auditor (9/98 – 7/99)
- Prepared financial statement spreads for a detailed credit analysis of existing and prospective dealerships
- Prepared detailed credit file reviews that was utilized in the credit underwriting decision process for capital loans, credit lines, equipment and real estate loans, wholesale takeovers and mergers & acquisitions
- Acquired and leveraged knowledge of the Uniform Commercial Code to ensure proper legal position on assets
- Performed on-site financial audits of dealerships that were requesting new financing or were in a “Trouble” condition
- Reviewed dealer’s financial reports and banking transactions which would be analyzed and compiled to validate the actual financial strength of the dealership at a particular point in time.
- Analyzed all available information and completed a written audit report which was then presented to the senior management of Chrysler Financial as well as the appropriate personnel of the dealership for discussion and decision making requirements.
Consumer Credit Analyst (11/96 – 8/98)
- Reviewed, analyzed and authorized credit advances for consumer loans.
- Authorized contract stipulations and details of contract agreements between retail consumers and Chrysler Financial
- Analyzed and developed an industry expertise in competitor rates and programs.
- Authored monthly reports on the competitive landscape for decisions on interest rate adjustments
Lease Re-marketing Manager (7/95 – 10/96)
- Selected to manage, train and evaluate ten members of the lease department customer service and collection teams
- Supervised and managed the northeast lease remarketing process for Chrysler Financial
- Recipient of the Chrysler Financial “Exceed to Succeed Award” for the creation and successful implementation of the Lease Remarketing Disposal Unit, which liquidated $250 million in residual balances within a 90 day period.
Customer Service Representative (10/93 – 6/95)
- Provided customer service and collection services for retail and lease accounts
Field Auditor (10/91 – 9/93)
- Conducted wholesale dealer inventory audits and assisted with dealership financial audits
ADDITIONAL:
- Hitachi Capital Training Program – Moody’s RiskCalc and Modeling Default Risk
- Chrysler Corporate Training Program – Salesforce.com, Financial Statement Analysis, Cash Flow & Frozen Capital Analysis, Consumer Credit Lending, Dealer Strategy Analysis, Contract Documentation, Bank Cutoff and Reconciliation, Negotiation and Selling Skills and others
- Microsoft Office: Word, Excel and PowerPoint, Internet Explorer
EDUCATION: ST. JOHN’S UNIVERSITY
MBA, Finance, June 2000
BS, Finance, June 1991