Chad Kethcart has over 9 years of experience in automotive financial services with BMW Group Financial Services, where he was promoted 6 times into roles managing teams and projects. He has experience supervising teams of up to 8 people and leading cross-functional projects. Kethcart most recently worked as the Retail Credit Team Leader for the Western Region, where he built relationships and oversaw training. He has a Bachelor's degree in Music from Elmhurst College and is pursuing a Master's degree in Jazz Studies from Indiana University.

1. CHAD M. KETHCART
18110 Center Avenue  Homewood, IL 60430
phone: (812) 272-8404  email: chad.kethcart@gmail.com
Over nine years of automotive financial services experience with BMW Group Financial Services, promoted six times into
roles servicing customers, retailers, and internal and external partners nationwide. Over five years of management and
leadership experience, supervising teams of up to eight direct reports, with additional cross-functional project
management proficiency within areas of process improvement, system enhancement, and compliance.
Experience
BMW Financial Services: Hilliard, Ohio (9/2007–10/2016) Relocated to Illinois
BMW, MINI, Rolls Royce, Motorrad and Multi-Make New Business/Retailer Services:
Retail Credit Team Leader, Western Region (6/29/2015–10/19/2016)
Managed a team of seven Retail Credit Analysts that perform underwriting research and analysis of
consumer data and information throughout the Western Region of the United States and nationwide in order to
mitigate risk while maximizing portfolio growth.
– Built and enhanced internal, external and retailer partner relationships that contributed to consistent
annual 1st
and 2nd
place JD Power and Associates awards for dealer satisfaction.
– Coordinated and conducted training and coaching throughout third-party credit buying system overhaul
and replacement.
– Served as Retailer Services subject matter expert for global cross-functional team to enhance retailer
dealer front-end system.
Funding Team Leader, Eastern Region (8/18/2014–6/28/2015)
Managed a team of eight Quality and Control Specialists primarily servicing the Eastern Region of the United
States, but nationally as well, to ensure proper funding of approved contracts through adherence to company,
state, and federal guidelines and regulations.
– Worked with third-party vendors and managed a project to create a compliant process for “rewind
accounts” that required system enhancement to save time, money, and alleviate liability and customer
complaint.
– Led a cross-functional project team to overhaul reconciliation processes impacting cash and accounting
relating to funding or system error.
New Business Training Analyst (4/22/2013–8/18/2014)
Facilitated new-hire and transferring associate onboarding, orientation, and continuing development while
conducting presentations, managing departmental training programs/courses, and creating training materials
utilizing PowerPoint, Excel, Word, and SharePoint.
– Point person and/or manager for all process improvement projects related to system enhancements,
Management by Fact, Regional IT Alignment, and Lean/Six Sigma Black Belt initiatives affecting the New
Business Department.
– Prioritized and led projects relating to compliance as results of internal, state, or federal audit or
examination.
Retail Credit Analyst (1/17/2010–4/21/2013)
Structured, negotiated, and professionally communicated credit decisions upon analyzing and interpreting
consumer and business credit data to BMW, MINI, Rolls Royce, Motorrad, and multi-make brands’ retailer
finance and sales staff.
– Coordinated department scheduling and weekly section reporting communications.
– Renamed and restructured the Credit Department back-up buyer program to feature more diverse
interaction and exposure with heightened accountability.

2. Quality and Control Specialist (12/1/2009–1/16/2010)
Performed contract and ancillary funding package documentation quality review while upholding all applicable
federal, state, and internal compliance regulations and policies and procedures.
– Coordinated with internal departments, dealership finance staff, and regional sales and marketing
managers to facilitate adherence to dealer bulletins and company funding guidelines.
Regional Services Center/Inbound Call Center:
Remarketing Team (7/1/2008–12/7/2009)
Utilized internal, internet market, and auction resources on a daily basis to facilitate negotiations of off-lease
vehicle purchases.
– Partnered with management to develop and establish this new remarketing sales team job as a result of a
successful pilot program.
Lease-End Specialist (9/11/2007–7/1/2008)
Facilitated vehicle remarketing and sales, account maturity, and collection maintenance with support of brand
benefit initiatives.
– Consistently led the Lease-End team in BMW Credit Card sales, insurance call transfers, and extended
warranty sales.
– Crafted sales training tip communications and presented to the section on a monthly basis.
– Served as an associate Lease-End Trainer.
Additional Responsibilities / Engagement
New Business / Retailer Services:
Lean/Six Sigma Black Belt Candidate; Regional IT Alignment system enhancement team; completion of annual
“Management By Fact” cross-functional projects; back-up credit buyer for Alphera Financial Services; mentor for Back-Up
Credit Buyer program; presented for inter-departmental “Roadshow” and classroom training sessions; Lean/Six Sigma
Black Belt, Efficient Dynamics, Introduction to Lean Tools, and Rapid Decision Making training courses; Commercial
Finance Training Program
Inbound Call Center:
Lease-End Department Trainer; eResponse Team and Maturities back-up member; Lease-End email communication and
Lease-End contact committee members; crafted Lease-End training and sales tip communications
Education
Indiana University – Bloomington, IN  M.M. Jazz Studies (pending), GPA 4.0
 Major concentrations: Jazz Studies, drum set and percussion
 Awards/Honors: IU Music Merit Scholarship, 2004 Avedis Zildjian Percussion Scholarship, Leonard and
Maxine Ryan Memorial Scholarship, Phi Kappa Phi Honors Society, North Texas University Travel Grant,
Dean’s List
Elmhurst College – Elmhurst, IL  B.A. Music, May 2004, GPA 4.0
 Major concentrations: Music, Jazz Studies, drum set and percussion
 Awards/Honors: Music Merit Scholarship, Phi Kappa Phi Honors Society, Lambda Sigma Chi Music Honors
Society, Dean’s List