Dwayne P. Cavanaugh
PROFESSIONAL EXPERIENCE

Reyna Capital Corporation, a subsidiary of Reynolds & Reynolds6/00 to 10/08
Senior Financial Services Representative (West, Central and Canadian Markets)
Responsible for managing entire lease transactional process, customizing, negotiating and structuring financial terms and conditions, credit underwriting and preparation of documentation. Provide customer service excellence, fulfilling contractual obligations, responding to customer urgencies at top speed. Review and evaluate cash and credit applications with credit approval authority up to $250k. Prepare and present credit analysis for all transactions in excess of $250k for additional co-signature(s). High visibility and interaction with customers, close liaison with Reynolds Account Managers. Relationship building with existing and new accounts. Strategic planning, design and implementation of seasonal and special promotional programs, conducted jointly with the parent company. Review, adjust and implement pricing parameters w/ assistance of SuperTrump. Lead, advised and coached Reynolds Account Managers of basic tax advantages with equipment leasing. Consult, teach, and train benefits of leasing equipment to new and existing account executives. Worked collaboratively in a matrixed team environment. Manage, coordinate, and prepare end of term residual invoices with customers, negotiating final buyouts, renewal billings, or return of equipment. Provided leadership and guidance to lease administration team. Performed monthly audits of residual management portfolio for compliance with Sarbanes Oxley. Implemented change of operational processes and improved efficiencies. Implement and initiate UCC filing activations / terminations, insurance claims and coordinated lease assignment documentation.
Accomplishments:
Led Canadian IDMS financing program, training Account Managers how to structure loans rather than leases and how to navigate through the special financing processes mandated by General Motors.
Championed a single $1MM Knockout sales closing with account manager by creating creative financing proposals for two automotive retailers.
Promoted to Senior Financial Services Representative, increasing credit approval authority to $250k and accepting increased leadership roles within Reyna Capital Corporation.
Team Leader for launch of ReyLine, a business revolving line of credit for Reynolds customer base. ReyLine is as a short-term, alternative source of repayment to cash and lease options.
Earned Top Financial Services Representative for receipt of early lease termination cash and for certificate of acceptances received towards the booking of new business.
Recognized as Top Financial Services Representative from "rolling" approximately 42 percent of eligible existing customers into new Reynolds products and leasing services.
Increased residual income by over 25 percent.

Spectra Precision Credit Corp., a division of LINC Capital, Inc.5/96 to 6/00
North America Lease Manager
Full responsibility for the $30M vendor relationship portfolio within the United States and Canada including sales operations, sales support, and portfolio management, training seminars and personnel development. Responsible for developing new vendor relationships. Managed a staff of six Assistant Lease Managers. Oversee all credit applications, with direct approval authority for requests between $20k-$100k within the United States and Canada, ensuring credit and documentation risks are properly identified and rated, and performing reviews for vendor programs and end-user credit. Given full autonomy for all proposed applications in excess of $100k, including pricing and collateral structures, sales training sessions, late charge waivers, and other business decisions.
Accomplishments:
Achieved a record sales volume of $3.2MM and overall first quarter volume of $5.8MM within small ticket lease portfolio.
Conceived and directed the sales operations and sales support divisions to improve market presence and internal efficiencies; increased allied product volume 30 percent.
Developed and implemented the first recorded credit policy, providing guidelines for employees and outside funding sources.
Created a standardized credit approval memo for approvals in excess of $40k.
Reengineered portfolio management processes, increasing recovery monies 30 percent.

Bank One, Dayton, Ohio, N.A.1/94 to 5/96
Commercial Credit Analyst
Responsible for written narrative and financial analysis of commercial credit, servicing relationship managers (RM) within commercial, real estate, business and private banking areas; statement spreading and analysis, focusing on industry analysis, financial capacity, identifying cash flow repayment source, collateral analysis, loan pricing evaluation, preparation of loan documentation approved by Legal Department; managed Credit Agreement servicing; sales calls with RMs; negotiate credit structure and pricing of commercial loans.
Accomplishments:
Completion of American Banking Associations Initial Credit Education (ICE) 10/94 and Advanced Credit Education (ACE) 9/95. These courses were customized for Bank One employees.
Recipient of a Witty award 8/95 for significant sacrifice of personal time and demonstration of teamwork to meet compliance with loan review.

Transamerica Commercial Finance Corporation1987 to 1994
Branch Operations Manager12/91 to 1/94
Full responsibility for strategic planning and implementation of all regional business activities. Oversaw annual portfolio of $30 million. Oversaw credit applications up to $100k. Prepared vendor marketing analyses by product line, industry and region. Monitor P&L of branch.
Accomplishments:
Recipient of the Top Gun Award (Top 20 percent) for 2 out of 2 years eligible.
Created and introduced internal collection policies to decrease past due charges by 30 percent.
Established approved liquidation programs to reduce aged inventory.

EDUCATION

Master of Business Administration, University of Dayton, 1999
Bachelor of Business Administration, University of Kentucky, 1987
Major: Finance