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JEFFERY VIVIANO12552 Eagle Run DriveOmaha, Nebraska 68164402-496-2971 (H) 630-842-9473 (C)jvb1f082@westpost.net

WORK EXPERIENCE

First National Bank of Omaha March 2005 to January 2010

Vice President of Corporate Administration Omaha, NebraskaDivision head responsible for credit administration, documentation operations and compliance activity for $4.1B Corporate Banking Group consisting of Agriculture, Commercial Bank, Community Bank, Correspondent Bank and Commercial Real Estate divisionsDesigned and implemented centralized administration model for Corporate BankingGroup, developing organizational structure, processes and procedures for nine locationsUtilized Six Sigma methodology to realize $3.1MM in savings over two year period by reducing cycle time from 14 to 8 days, reducing critical errors from 1.73 defects per unit to 0.16, and achieving a 1.3 sigma improvementAccountable for team leading First National of Nebraska ($20B holding company)enterprise-wide adoption of a business lending platform for four metro banks and

twelve affiliate banksMember of First National Bank of Omaha Strategic Leadership Planning Team, Credit Policy Committee and chairman of Operational Risk Council, as well as memberof Corporate Banking Group Strategic Leadership Council and Loan CommitteeAlso responsible for management of $450M First National Equipment Financing, Inc. portfolio.

Vice President/Senior Credit Officer Omaha, NebraskaAccountable for leading credit, documentation and risk management functions for$450MM First National Equipment Financing, Inc. small ticket and middle-marketlease and loan portfolioPerformed duties of senior credit officer, including senior credit decision-making for organization, liaison with senior credit officers of both bank and holdi

ng company, and risk assessmentRestructured origination operations to achieve a 57% improvement in cycle timeand 29% reduction in overall costsLed team in designing and implementing new front-end lending system, streamlining credit adjudication process for organization, and developed training programsfor credit and documentation analysts, achieving 34% increase in efficiencyMember of senior strategic leadership team for organization, as well as memberof First National Bank of Omaha Credit Policy CommitteeAssisted in strategic planning for organizational entry into asset diversification, including identification of new markets and approval of financing programs

GE Commercial Finance, Fleet Services March 2002 to March 2005

Director of Risk Management Eden Prairie, MinnesotaResponsible for risk management functions for $1.3B Small Fleet Services business unit serving vehicle fleets 350 in number and below in North AmericaAccountable for underwriting and portfolio surveillance, reporting performancemetrics to both Strategic Leadership Team and senior corporate risk management via monthly dashboards and quarterly portfolio reviewsCoordinated the transition of two portfolio acquisitions ($321MM & $115MM), andled risk management team through revamping of underwriting processes and structuring options to reduce net write-offs by 32bps

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Acted as champion for Six Sigma projects which expanded underwriting strike zones for both new and existing customers, provided a prospect screening tool for sales utilization, credit and services overline reductions and reduction in cycletime from an average of three days down to five hours

Risk Manager Vehicle Alliance Eden Prairie, MinnesotaAccountable for team of underwriters evaluating risk for new and existing TRAClease and loan customers, as well as providing management for $675MM portfolio of vehicle lease fleets of 150 units and belowEarned Six Sigma Green Belt certification for cross functional work process project reducing total new customer cycle time from prospect to first order from 114 days down to 31 days.Responsible for tracking of portfolio metrics and development of loss projections, watch list generation and reporting to senior risk managementAssisted in developing new processes for identifying new target markets for organization and creating new underwriting process methods for individual markets including direct, dealer and broker channelsInitiated system of audit of key underwriting concepts for understanding customer backgrounds and hazardous material transportation

CNH Capital, Inc. July 2000 to March 2002

Leasing Manager Racine, Wisconsin

Direct responsibility for overseeing management functions for $850MM leasing business unit of captive organization.Accountable for direct management of operations unit with matrix responsibilities for marketing, collection, litigation and asset management functionsOverarching profit and loss responsibility for business unit, reporting to Global Vice President of Operations. Responsible for leading business component offirst-ever securitization of operating lease portfolio, as well as establishingand developing syndication relationshipsAdditional relationship responsibilities include interface with outside investment community as well as with senior management of both captive finance and parent manufacturing organizations.

National Operations Manager Racine, Wisconsin

Functioned as National Operations Manager for Diversified Financial Services Division reporting to Senior Vice President and General ManagerMember of management committee establishing strategic plan for $1B non-captivedivision and its associated policies and proceduresResponsible for auditing, budgeting, reporting, transactional funding and e-business strategies for divisionAccountable for interface with parent company audit, legal and securitization functionsHandled process flow analysis for division, as well as revamping of transactional documentation and lien perfection issuesDuties ultimately added included responsibility for repossession and litigationmanagement teams servicing the non-captive portfolio

LINC Capital, Inc. August 1999 to June 2000

Director of Operations Chicago, IllinoisResponsible for the overall operations of the five business unit Vendor Services division, including the transition of operational activity from the regionallylocated business units to home office in Chicago, Illinois, reporting to divisional general managerParticipated in strategic planning for both the corporation and division, including the consolidation of business units into the vendor services groupCollaborated with senior management and systems group to develop e-commerce str

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ategy for corporation, including proprietary e-LINC integrated front-end systemWorked with systems group to add Fair, Isaac scoring model into front-end syst

em, as well as outlining initial overlays for eCredit integration of rule sets for model, and operational presentation of e-LINC system to corporation and its business unitsRevamped existing workflows to streamline a new consolidated process for division; established new guidelines with regard to qualification of vendor and brokerrelationships

CCI-Triad/Triad Systems Financial Corporation April 1998 to August 1999

Senior Credit Manager/Credit & Lease Operations Manager Austin, TexasResponsibilities included acting as senior credit manager in charge of establishing credit policy and procedure for parent company, and functioning as credit &lease operations manager for leasing division of organizationOversaw transition of leasing operations from Livermore, California to Austin,Texas as a result of the acquisition of Triad Systems by Cooperative Computing,Inc., handling transitional issues involved with the joining of the two organizations with regard to credit and leasing; interviewed, hired and trained entirelynew credit and leasing staffCoordinated with Decision Systems Inc. leasing computer software conversionRevamped credit processes for both the corporation and leasing company, and developed a leasing documentation department

Involved in decision making process for lease operations including establishingand maintaining discounting relationships with lending partners, establishing rate guidelines, assisting in the determination of compensation for sales organization, and strategic planning for leasing companyHeaded task force with managers of corporation to streamline workflows and hand-offs between departments.

AT&T Capital/Newcourt Financial/Dell Financial Services September 1990 to April1998

Credit Manager/Credit Manager Relationship Austin/Dallas, TexasFunctioned as credit manager for Newcourt Financial in Dallas, Texas, and as credit manager for the relationship group of accounts for Newcourt/Dell Computer C

orporation joint venture in Austin, TexasResponsible for the establishment and maintenance of credit standards and operations of the four largest customer bases of Dell for DFS, handling establishmentof credit department for DFS, including obtaining credit resources, creating formats for credit analysis and write-ups, filing systems, etc. as well as development of system for ongoing credit reviewsWorked with Newcourt senior credit management to establish credit criteria forlarge ticket leasing transactions up to $70MM. Oversaw preparation of credit proposals for Newcourt credit and investment committeesResponsible for hiring and management of credit analysts and credit specialists, including evaluation of skill levels, granting of credit authorities and review of employee performanceCharged with the assimilation of employees into credit culture of company, and

trained employees in use of all software applications utilized

Regional Manager of Accounts Dallas, TexasResponsible for daily operations and maintenance of relationships with fifty inventory finance customers, handling operational functions of business with end to end responsibility, beginning with customer at application point and followingthrough to liquidation and disposal of assets, if necessaryInitial decision-making responsibilities included the establishment of originalcredit facility through financial statement analysis, credit and business report review, interaction with dealer to determine the size, scope and nature of the

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inventory finance credit facility to be extended, and continued through the procurement of pertinent documentation to properly secure the credit facility, including the proper filing of UCC information and the negotiation of intercreditoragreementsMaintenance of account operations included the identification and resolution ofcustomer inquiries and resolving collection questions while protecting the collateral position of the organizationAccountable for maintaining up-to-date risk ratings of dealer accounts by analyzing subsequent and interim financial statements and dealer performance history

Zone Credit Analyst Overland Park, KansasPrimary duties included performing credit decision-making functions for inventory finance credit facilities for equipment dealers by analyzing financial statements, investigating business credit references, reviewing documentation and reporting requirements for documentation and activation of dealer relationshipsResponsible for the identification of conflicting lienholders and the subsequent negotiation of intercreditor subordination agreements. Extensive interface with members of sales force, as well as individual dealers, to determine background and business plans of potential customers, and negotiation of terms of dealerprogramsAccountable for the establishment and maintenance of dealer relationships intodatabase of organization, as well as reviews of existing relationship documentation and performance assessments

Senior Operations Coordinator Carrollton, TexasMain accountabilities included obtaining and analyzing commercial credit information, reviewing financial statements and tax returns to determine the credit worthiness of equipment dealers and lessees, and handling the documentation and booking of lease transactions for the Leasing Services organizationDecision-making responsibilities included the approval/rejection of applicantson both secured and unsecured lease contracts, approval of dealers and brokers,and recommendation for acceptance of leasing programs and collateral; designatedas high credit pen for South Central regional processing team, and was responsible for the analysis of largest credit transactions for the teamInitially responsible Dallas, Texas area vendor-based transactions as well as e

mployee training and maintenance of vendor relationships; progressed into handling all facets of equipment broker relationships for the teamPrimary focus began with approval process of broker relationships and transactions with customers; position expanded into solicitation of brokers and development of programs as well.Co-authored broker manual utilized across the organization as reference guide,and developed committee of analysts within company to work with broker transactions throughout the organization.

Norwest Financial Leasing, Inc. October 1985 to September 1990

Credit Analyst Arlington, TexasInitially responsible for the gathering and analysis of credit information on c

ommercial small ticket equipment leasing transactions; position focused upon theanalysis of financial statements and tax returns, as well as business and credit reports, for the approval of both dealers and lesseesResponsible for the initial implementation of dealer programs for the branch, grading of lease receivables, maintenance of credit files and the training of newemployees

Assistant Collection Supervisor Des Moines, IowaAccountabilities included the collection of the highest priority delinquent leases through written and verbal communication with customers, including the imple

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mentation of legal and repossession strategiesExperience in training, developing and motivating collection analysts through supervisory activities, auditing of collection accounts, and one-on-one contactResponsible for the achievement of bad debt goals for $20MM branch of the corporation

Collection Analyst Des Moines, IowaResponsible for the collection of 250-300 delinquent leases per month, employing various collection strategies including negotiation, written and verbal communication, and legal remedies with customers in order to bring accounts current orrecommend approaches for disposing of assetsExtensive phone work with dealers, customers and legal administrators; also responsible for the preparation of all bankruptcy documentation and legal retention, as well as probate court proceedings

EDUCATIONAL BACKGROUND

Theodore Roosevelt High School Central University of IowaDes Moines, Iowa Pella, IowaDiploma May 1981 Bachelor of Arts Degree - May 1985

Internship - Iowa State Legislature - Spring 1985

Six Sigma Certification 2004 GE Leadership Training 2004Change Acceleration Process Certification 2003

HONORS AND ACTIVITIES

Elfun GE Community Service GE Fleet Services Risk Management Award 2004GE Fleet Services United Way Campaign Board Member CNH Capital Employee Award 2002Norwest Financial Partners in Progress with DMISD Triad Systems Financial Corporation Manager Award 1998Member, Equipment Leasing & Finance Association AT&T Leasing Services EmployeeAward 1994Member, National Association of Credit Management Norwest Financial Leasing Employee Award 1988Scoutmaster, Boy Scout Troop #165 Assistant Scoutmaster Boy Scout Troops #281

& #165

References available upon request