Edward Nankervis has over 15 years of experience in financial services including credit analysis, risk assessment, collections, and customer service. He is currently a Credit Analyst at Toyota Financial Services where he analyzes commercial loan applications, assesses risk, and makes underwriting decisions. Prior to this, he held finance and credit roles at Experian, Chrysler Financial, and other organizations where he managed teams, originated credit, reviewed dealership finances, and more. He has a Bachelor's degree in Marketing and Human Resources from Temple University.

1. EDWARD NANKERVIS
 16875 Lynn Lane, Apt 4
Huntington Beach, CA 92649
 714.337.1992  enankervis@yahoo.com
PROFESSIONAL SKILL SUMMARY
Highly analytical, goal-oriented, and customer focused professional with wide-ranging experience in providing
comprehensive service and solutions to internal and external clients. Solution focused leader who is adept at
generating profitability and growth within the organization; balancing risk while growing revenue. Possess a proven
ability in creating and maintaining collaborative relationships with both internal and external clients resulting in top-
producing relationships. Possess strong presentation, negotiation, and communication skills.
PROFESSIONAL EXPERIENCE
TOYOTA FINANCIAL SERVICES  TORRANCE, CA
CREDIT ANALYST – COMMERCIAL FINANCE JULY 2014-PRESENT
Analyze and issue credit decisions on retail and lease commercial equipment loan applications for three designated
territories consisting of more than 50 dealerships. Loan analysis includes assessing credit, capacity to service the
debt, collateral position, and stability of the loan applicant. Review and analyze Experian and PayNet commercial
credit reports, financial statements, corporate tax returns, Secretary of State filings, and personal guarantees to assess
and mitigate risk. Prepare concise written summary to support underwriting decision. All credit decisions
communicated to dealerships within departmental scorecard objectives.
 Work collaboratively with dealerships, Regional Sales Managers, and customers in performing formal line
of credit reviews. Spread and analyze financial statements to assess liquidity, cash flow, and financial
trends. Identify and explain significant variances and present formal write up with recommendations to
management.
 Assist dealers in restructuring deals to assist customers with cash flow challenges while explaining credit
decisions with sufficient information. Provide consistency in purchase policy and quality on every credit
decision.
 Collaboratively work with Sales and Marketing departments in order to identify new business opportunities
and to develop customer loyalty.
EXPERIAN NORTH AMERICA  COSTA MESA, CA
FINANCE SUPERVISOR – CREDIT & COLLECTIONS NOV 2009-JULY 2014
Manage credit origination on all business to business credit applications submitted to the Order to Cash (OTC)
Finance Department. Possess an individual credit authority of $300K. Risk assessment includes legal entity
verification, analysis of payment trends and trade lines on commercial credit reports, financial statement analysis
when necessary on large credit requests, and assessing personal credit reports of guarantors when applicable. Work
closely with Sales in obtaining necessary documentation from clients as needed and in communicating credit terms
issued. Set up and maintain credit files on clients including periodic credit reviews on larger and/or troubled
accounts and communicating risk assessments to regional Finance and Sales teams. Manage a team of 2-5 collections
agents assigned to designated portfolios of accounts. Proactively review Accounts Receivable reporting on a weekly
and monthly basis to identify risk, delegate collections assignments, and implement holds on accounts as needed.
Manage escalated customer accounts to facilitate resolution through detailed account reconciliation, structured
repayment plans, and negotiation of final account settlements.
 Actively involved in the creation and implementation of standardized credit and collections practices and
guidelines in accordance with the needs and objectives for all Finance Departments serviced by OTC
Finance.
 Worked closely with our internal legal department in standardizing credit and collections documents such
as Credit Applications, Suspension Notices, Termination Notices, Demand Letters, Settlement Agreements,
and Non-Disclosure Agreements.
 Collaboratively worked to streamline work flow processes between Credit, Sales, and Client On-boarding.

2. CHRYSLER FINANCIAL SERVICES AMERICAS LLC  IRVINE, CA
DEALER CREDIT ANALYST FEB 2007-SEP 2009
Provide expertise in reviewing and analyzing dealership financial statements. This includes performing accounting
adjustments as well as performing analysis of cash flow, financial trends, and dealership liquidity to mitigate risk
and ensure compliance of dealerships’ financial position to corporate lending standards. Work collaboratively with
legal counsel in developing, implementing, and tracking Demand Letters, Recapitalization Agreements, Forbearance
Agreements, and Liquidation Agreements on troubled dealerships. Perform regular document and UCC reviews on
wholesale accounts to ensure that liens are properly attached and perfected. Negotiate with other lenders on
wholesale acquisitions and divestitures.
 Underwrote commercial credit packages for Capital loans, Real Estate loans, Revolving Lines of Credit,
Construction loans, and Wholesale Line requests. Each credit package included a full financial analysis of
the dealership entity and owner. Presented credit package and recommendations to senior management.
 Managed the liquidations of private capital dealerships and publicly traded dealer groups. Coordinated
inventory repurchase activities with various manufacturers. Collaboratively worked with lender
representatives, auditors, transportation companies, auctions, and the manufacturers to secure, track, and
liquidate dealer inventory, assets, and operating proceeds.
 Actively worked with Chrysler LLC in facilitating and financing dealer network consolidation deals. These
deals included structuring and facilitating new credit lines, monitoring transactions, and negotiating with
Chrysler LLC for additional capital and guarantees as needed.
CHRYSLER FINANCIAL SERVICES AMERICAS LLC  IRVINE, CA
RETAIL CREDIT ANALYST SEP 2004-FEB 2007
Analyzed and issued credit decisions on retail and lease auto loan applications for a designated territory of more
than 30 dealerships. Loan analysis included assessing consumer credit, capacity to service the debt, collateral
position, and stability of the loan applicant. Credit application decisions communicated within a 30 minute turn-
time. Highly knowledgeable in assessing information reported on Equifax, Trans Union, and Experian. Oversaw
and managed electronic funds transfer (EFT) funding of retail and lease contracts. Worked with dealerships to collect
or correct missing or inaccurate contract paperwork and/or stipulations.
 Successfully built, managed, and maintained customer relationships to consistently exceed consumer retail
market penetration, FICO penetration, loss, and ROE goals within the territory. Solicited business from
dealerships through engaging in direct win-win negotiations to satisfy customers while promoting various
retail and lease programs and incentives.
CHRYSLER FINANCIAL SERVICES AMERICAS LLC  PHILADELPHIA, PA
COLLECTIONS & CUSTOMER SERVICE SUPERVISOR MAR 2002-SEP 2004
Trained, motivated, and developed a team of 5-20 Customer Service Representatives. Through one-on-one
interaction and utilization of internal IT systems, ensured employee compliance with schedules and productivity
goals. Monitored and evaluated employee phone calls to ensure compliance with company policies and procedures.
Monitor and review all past due accounts to evaluate effectiveness and to formulate revised collections strategies.
Assisted with and resolved escalated customer service and collection calls.
CHRYSLER FINANCIAL SERVICES AMERICAS LLC  PHILADELPHIA, PA
COLLECTIONS & CUSTOMER SERVICE REPRESENTATIVE FEB 2000-MAR 2002
EDUCATION
Bachelor of Business Administration
Double Major in Marketing and Human Resource Administration
Temple University – Fox School of Business & Management  Philadelphia, PA: 2000
TRAINING AND CERTIFICATION
ISO 9001 Certified
Fair Debt Collections Practices Act / Fair Credit Reporting Act / Federal Truth in Lending Act / Equal Credit Opportunity Act
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