Nancy Young

Broad market and operational management responsibility for the St. Louis region of Ford Motor Credit Company.Charged with managing $1.6B loan portfolio. Direct staff of 92. Devised and executed market planning and credit underwriting strategies for 100+ commercial accounts. Oversaw training of key sales personnel. Regarded as regional expert in loan workout initiatives handling distressed and high-risk accounts.Applied lending authority to originate up to $18 million in commercial loans per client.  Decisioned an average of 15 commercial client reviews and $60 million in loan approvals monthly.

Key Achievements:

• Consistently exceeded expectations in new business development, risk mitigation, and strategic business planning.Credited for consulting with business partners and improving client operating profitability by $1.5M in 2007 and 2008.
• Earned multiple promotions in recognition of superior leadership skills.
• Credited for managing distressed commercial loans in excess of $40 million with a loss ratio of less than 2.5% (1995 – 2009).
• Direct all aspects of direct sales and client relations support for 100+ commercial accounts achieving exceptional client satisfaction ratings 6 consecutive years.
• Honored as ‘Top Achiever’ with a top 5% management performance rating (2005).
• Directed business unit to 5 pt better-than-objective market share achievement (2008).
• 5 pt YOY customer satisfaction improvement (2008); and 1 pt YOY improvement in ROE (2007).
• Ranked 1st out of 11 regional districts in operational profits and ROE in 2008.
• Achieved 99% employee satisfaction, beating out both the regional and national ratings (2008).
• $5.0M better-than-objective in profits (2007); $8.4M better-than-objective in operational profits (2006).
• 27 pt better-than-objective market share achievement and a 5 pt better-than-objective ROE (2006).
• Ranked 2nd out of 11 regional districts in operational profits and ROE (2005).

Continued forward progression with this leading Automotive Financial Services firm to directall operational services for Lending, Customer Service, Sales, Dealer Support and Risk Management for $1B (Charlotte) and $500M (Greensboro) in retail, loan and wholesale receivable portfolio. Supervise daily sales activities for team of five Sales Managers. Organized sales territory, established prospecting targets, and devised and implemented effective sales strategies to capture new opportunities and grow continuing business. Cultivated key relationships with clients to maximize partnerships and negotiate revolving, capital, and mortgage loans.

Key Achievements:

• Led turnaround of the wholesale and retail sales operations for the $1B Charlotte, lending operations, achieved double-digit growth in retail volume, and profit/market share growth three consecutive years.
• Developed and implemented innovative sales strategies, launched new products, and provided training and support to 40 commercial clients in the Greensboro territory.
• Demonstrated high-level expertise in supervising team of 42 / 27 direct reports in both locations.
• Streamlined sales and business development operations at the Greensboro operations center which lead to $500M in revenue growth.
• Reduced problem resolution time table by successfully analyzing issues, root causes and initiating appropriate solutions to resolve issues quickly and efficiently.