Ben Carlile

Novato, CA 415-209-3271 bencarlile9@gmail.com www.linkedin.com/in/bencarlile

COMMERCIAL CREDIT PORTFOLIO EXECUTIVE

Small Business Lending| Credit Collections | Portfolio Management | Originations
Start-up, Turnaround & High-Growth Environments
Dynamic, top-performing leader with a stellar track record of starting up and leading early- to mid-stage B2B financial
service companies focused on the small business market. Expertise in generating diversified portfoliosconsistently
outperforming industry peers during times of rapid growth, margin compression, economic challenge, and regulatory
burden. Flexible and innovative with ability to anticipate and adapt to changes in market demand, lending requirements,
and economic trends. Authentic and ethical leader with strong commitment to client satisfaction and team performance.

Leadership Skills & Qualifications

Small Business Underwriting

Commercial Financing & Leasing
Client Relations & Development
Team Leadership & Training

Syndications & Acquisitions

Portfolio Due Diligence
Compliance & Audits
Contract Negotiations & Legal

Risk Management & Collections

Asset Evaluation & Remarketing
Credit Policies & Processes
Strategic Business Planning

Career Highlights

Played leading role in establishing Allegiant Partners as an ethical and well-run finance company, instilling
a culture of focus and innovationthrough periods of rapid growth, economic crisis, recession, and recovery.
Contributed to new portfolio growth of $60M at Allegiant, managing delinquencies and charge-offs to <0.4%,
and driving high-margin performance comparable to the A-Grade portfolios of the best-managed banks.
Established and instituted all policies and procedures for credit, collections, and customer service
operations, driving sales, controlling credit exposure and limiting losses, while maximizing revenues for Allegiant.
Developed, trained, and led credit, collections and customer service professionals, creating a scalable
platform for growth and leading Allegiant to achieve results beyond expectations and projections.
Led the operations that grew managed assets from $10M to $750M for Trinity Capital Corporation while
developing a servicing business that generated $13M in annual fee income.

Leadership Experience & Achievements

Allegiant Partners Inc. San Rafael, CA

1999 Nov. 2014

(Independent commercial finance company founded in 1998 providing equipment financing to small businesses in the U.S.)
Managing Director

Challenged to start up the credit, collections, customer service and sales operations. Partnered closely with CEO to develop
business plans, access capital, acquire bank lines, hire and manage personnel, implement processes and grow revenues.
Managed negotiations and relationships with preferred clients, broker-originators, credit data sources, attorneys and
collection organizations. Owned performance of $60M portfolio. Led and managed 2-10 direct reports. Board Member.

Built a fresh credit platform that doubled the volume of high-quality, prime and non-prime loan
originationsprocessed without adding staffforging a unique collaboration between credit and sales groups.
Drove exceptional vintage static pool results as Chief Credit Officer and collaborated with CEO to expand
bank credit facilities with lower cost of funds and improved loan covenants along with lower loan loss reserve
contributions and additional successful debt and equity raises.
Collaborated to increase EBTDA up 54% from 2012 to 2013 while managing account quality and risk
to produce performance comparable to the A grade credits of a strong bank portfolio but with higher yields.
Reduced delinquencies from 22% to 4.6% within 4 months on a $13M deeply discounted purchased
portfolio of document deficient leases, turning around the performance and substantially increasing returns.
Evaluated and championed board decisions regarding business strategies, business transformation,
mergers and acquisitions, joint ventures, capital investments and budgets.
Earned recognition for expertise and knowledge of commercial loan and lease contracts, compliance issues,
the U.C.C., debtor settlements, lease accounting practices and the underwriting of complex transactions.

Ben Carlile
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Leadership Experience & Achievements (Continued )
Trinity Capital Corporation San Francisco, CA

1988 1999

(A privately held equipment leasing company.)

Vice President of Credit Administration

Hired as Credit Manager to improve front end operations and turn around an underperforming small business portfolio.
Quickly promoted to VP to lead credit and collections for this leveraged privately held equipment leasing company. Led and
managed a team of 25 professionals. Owned performance for various portfolios totaling up to $750M.

Helped grow assets under management from $10M to $750M, leading the front-end and back-end credit,
collection and customer service operations for clients such as Steelcase, Tandem, NEC, Wells Fargo, and Octel.
Reduced delinquencies and charge-offs by 50% within 3 months, establishing sound credit and collection
processes, and training credit, collections, and customer service personnel.
Played an integral role in helping to establish a strong, well-managed company reputation, modeling
leadership behaviors and a commitment to an exceptional company culture and strong performance.
Led and managed strong portfolio growth, performance and earnings that resulted in Trinitys successful
acquisition by Bank of the West in 2002.

Previous Career Assignments

Assistant Vice President, Credit Card ReceivablesBank of America, San Francisco, CA (1986 1988)
Assistant Manager, Sales FinanceCIT, Portland, OR; Sacramento, San Mateo, Santa Ana, CA (1984 1986)

Professional Affiliations
MemberEquipment Lease and Finance Association (ELFA)
Organizing Member & PresenterELFA Credit & Collections Conference (2013 - 2015)
Leasing News Advisory Board Since November, 2014

Education
Bachelor of Science (B.S.), EconomicsWillamette University, Salem, OR