JEFFERY VIVIANO

12552 Eagle Run Drive

Omaha, Nebraska 68164
402-496-2971 (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, Nebraska
Division head responsible for credit administration, documentation operations a
nd compliance activity for $4.1B Corporate Banking Group consisting of Agricultu
re, Commercial Bank, Community Bank, Correspondent Bank and Commercial Real Esta
te divisions
Designed and implemented centralized administration model for Corporate Banking
Group, developing organizational structure, processes and procedures for nine l
ocations
Utilized Six Sigma methodology to realize $3.1MM in savings over two year perio
d by reducing cycle time from 14 to 8 days, reducing critical errors from 1.73 d
efects per unit to 0.16, and achieving a 1.3 sigma improvement
Accountable 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 banks
Member of First National Bank of Omaha Strategic Leadership Planning Team, Cred
it Policy Committee and chairman of Operational Risk Council, as well as member
of Corporate Banking Group Strategic Leadership Council and Loan Committee
Also responsible for management of $450M First National Equipment Financing, In
c. portfolio.
Vice President/Senior Credit Officer Omaha, Nebraska
Accountable for leading credit, documentation and risk management functions for
$450MM First National Equipment Financing, Inc. small ticket and middle-market
lease and loan portfolio
Performed duties of senior credit officer, including senior credit decision-mak
ing for organization, liaison with senior credit officers of both bank and holdi
ng company, and risk assessment
Restructured origination operations to achieve a 57% improvement in cycle time
and 29% reduction in overall costs
Led team in designing and implementing new front-end lending system, streamlini
ng credit adjudication process for organization, and developed training programs
for credit and documentation analysts, achieving 34% increase in efficiency
Member of senior strategic leadership team for organization, as well as member
of First National Bank of Omaha Credit Policy Committee
Assisted in strategic planning for organizational entry into asset diversificat
ion, 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, Minnesota
Responsible for risk management functions for $1.3B Small Fleet Services busine
ss unit serving vehicle fleets 350 in number and below in North America
Accountable for underwriting and portfolio surveillance, reporting performance
metrics to both Strategic Leadership Team and senior corporate risk management v
ia monthly dashboards and quarterly portfolio reviews
Coordinated the transition of two portfolio acquisitions ($321MM & $115MM), and
led risk management team through revamping of underwriting processes and struct
uring options to reduce net write-offs by 32bps
 Acted as champion for Six Sigma projects which expanded underwriting strike zon
es for both new and existing customers, provided a prospect screening tool for s
ales utilization, credit and services overline reductions and reduction in cycle
time from an average of three days down to five hours

Risk Manager Vehicle Alliance Eden Prairie, Minnesota

Accountable for team of underwriters evaluating risk for new and existing TRAC
lease and loan customers, as well as providing management for $675MM portfolio o
f vehicle lease fleets of 150 units and below
Earned Six Sigma Green Belt certification for cross functional work process pro
ject reducing total new customer cycle time from prospect to first order from 11
4 days down to 31 days.
Responsible for tracking of portfolio metrics and development of loss projectio
ns, watch list generation and reporting to senior risk management
Assisted in developing new processes for identifying new target markets for org
anization and creating new underwriting process methods for individual markets i
ncluding direct, dealer and broker channels
Initiated system of audit of key underwriting concepts for understanding custom
er 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 bu
siness unit of captive organization.
Accountable for direct management of operations unit with matrix responsibiliti
es for marketing, collection, litigation and asset management functions
Overarching profit and loss responsibility for business unit, reporting to Glob
al Vice President of Operations. Responsible for leading business component of
first-ever securitization of operating lease portfolio, as well as establishing
and developing syndication relationships
Additional relationship responsibilities include interface with outside investm
ent community as well as with senior management of both captive finance and pare
nt manufacturing organizations.
National Operations Manager Racine, Wisconsin
Functioned as National Operations Manager for Diversified Financial Services Di
vision reporting to Senior Vice President and General Manager
Member of management committee establishing strategic plan for $1B non-captive
division and its associated policies and procedures
Responsible for auditing, budgeting, reporting, transactional funding and e-bus
iness strategies for division
Accountable for interface with parent company audit, legal and securitization f
unctions
Handled process flow analysis for division, as well as revamping of transaction
al documentation and lien perfection issues
Duties ultimately added included responsibility for repossession and litigation
management teams servicing the non-captive portfolio
LINC Capital, Inc. August 1999 to June 2000
Director of Operations Chicago, Illinois
Responsible for the overall operations of the five business unit Vendor Service
s division, including the transition of operational activity from the regionally
located business units to home office in Chicago, Illinois, reporting to divisi
onal general manager
Participated in strategic planning for both the corporation and division, inclu
ding the consolidation of business units into the vendor services group
Collaborated with senior management and systems group to develop e-commerce str
ategy for corporation, including proprietary e-LINC integrated front-end system
Worked 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 f
or model, and operational presentation of e-LINC system to corporation and its b
usiness units
Revamped existing workflows to streamline a new consolidated process for divisi
on; established new guidelines with regard to qualification of vendor and broker
relationships

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

Senior Credit Manager/Credit & Lease Operations Manager Austin, Texas
Responsibilities included acting as senior credit manager in charge of establis
hing credit policy and procedure for parent company, and functioning as credit &
lease operations manager for leasing division of organization
Oversaw 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 organiza
tions with regard to credit and leasing; interviewed, hired and trained entirely
new credit and leasing staff
Coordinated with Decision Systems Inc. leasing computer software conversion
Revamped credit processes for both the corporation and leasing company, and dev
eloped a leasing documentation department
Involved in decision making process for lease operations including establishing
and maintaining discounting relationships with lending partners, establishing r
ate guidelines, assisting in the determination of compensation for sales organiz
ation, and strategic planning for leasing company
Headed 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 April
1998
Credit Manager/Credit Manager Relationship Austin/Dallas, Texas
Functioned as credit manager for Newcourt Financial in Dallas, Texas, and as cr
edit manager for the relationship group of accounts for Newcourt/Dell Computer C
orporation joint venture in Austin, Texas
Responsible for the establishment and maintenance of credit standards and opera
tions of the four largest customer bases of Dell for DFS, handling establishment
of credit department for DFS, including obtaining credit resources, creating fo
rmats for credit analysis and write-ups, filing systems, etc. as well as develop
ment of system for ongoing credit reviews
Worked with Newcourt senior credit management to establish credit criteria for
large ticket leasing transactions up to $70MM. Oversaw preparation of credit pr
oposals for Newcourt credit and investment committees
Responsible for hiring and management of credit analysts and credit specialists
, including evaluation of skill levels, granting of credit authorities and revie
w of employee performance
Charged 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, Texas
Responsible for daily operations and maintenance of relationships with fifty in
ventory finance customers, handling operational functions of business with end t
o end responsibility, beginning with customer at application point and following
through to liquidation and disposal of assets, if necessary
Initial decision-making responsibilities included the establishment of original
credit facility through financial statement analysis, credit and business repor
t review, interaction with dealer to determine the size, scope and nature of the
 inventory finance credit facility to be extended, and continued through the pro
curement of pertinent documentation to properly secure the credit facility, incl
uding the proper filing of UCC information and the negotiation of intercreditor
agreements
Maintenance of account operations included the identification and resolution of
customer inquiries and resolving collection questions while protecting the coll
ateral position of the organization
Accountable for maintaining up-to-date risk ratings of dealer accounts by analy
zing subsequent and interim financial statements and dealer performance history

Zone Credit Analyst Overland Park, Kansas

Primary duties included performing credit decision-making functions for invento
ry finance credit facilities for equipment dealers by analyzing financial statem
ents, investigating business credit references, reviewing documentation and repo
rting requirements for documentation and activation of dealer relationships
Responsible for the identification of conflicting lienholders and the subsequen
t negotiation of intercreditor subordination agreements. Extensive interface wi
th members of sales force, as well as individual dealers, to determine backgroun
d and business plans of potential customers, and negotiation of terms of dealer
programs
Accountable for the establishment and maintenance of dealer relationships into
database of organization, as well as reviews of existing relationship documentat
ion and performance assessments

Senior Operations Coordinator Carrollton, Texas

Main accountabilities included obtaining and analyzing commercial credit inform
ation, reviewing financial statements and tax returns to determine the credit wo
rthiness of equipment dealers and lessees, and handling the documentation and bo
oking of lease transactions for the Leasing Services organization
Decision-making responsibilities included the approval/rejection of applicants
on both secured and unsecured lease contracts, approval of dealers and brokers,
and recommendation for acceptance of leasing programs and collateral; designated
as high credit pen for South Central regional processing team, and was responsi
ble for the analysis of largest credit transactions for the team
Initially responsible Dallas, Texas area vendor-based transactions as well as e
mployee training and maintenance of vendor relationships; progressed into handli
ng all facets of equipment broker relationships for the team
Primary focus began with approval process of broker relationships and transacti
ons with customers; position expanded into solicitation of brokers and developme
nt 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 transacti
ons throughout the organization.
Norwest Financial Leasing, Inc. October 1985 to September 1990
Credit Analyst Arlington, Texas
Initially responsible for the gathering and analysis of credit information on c
ommercial small ticket equipment leasing transactions; position focused upon the
analysis of financial statements and tax returns, as well as business and credi
t reports, for the approval of both dealers and lessees
Responsible for the initial implementation of dealer programs for the branch, g
rading of lease receivables, maintenance of credit files and the training of new
employees
Assistant Collection Supervisor Des Moines, Iowa
Accountabilities included the collection of the highest priority delinquent lea
ses through written and verbal communication with customers, including the imple
mentation of legal and repossession strategies
Experience in training, developing and motivating collection analysts through s
upervisory activities, auditing of collection accounts, and one-on-one contact
Responsible for the achievement of bad debt goals for $20MM branch of the corpo
ration
Collection Analyst Des Moines, Iowa
Responsible for the collection of 250-300 delinquent leases per month, employin
g various collection strategies including negotiation, written and verbal commun
ication, and legal remedies with customers in order to bring accounts current or
recommend approaches for disposing of assets
Extensive phone work with dealers, customers and legal administrators; also res
ponsible 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 Iowa
Des Moines, Iowa Pella, Iowa
Diploma May 1981 Bachelor of Arts Degree - May 1985
Internship - Iowa State Legislature - Spring 1985
Six Sigma Certification 2004 GE Leadership Training 2004
Change Acceleration Process Certification 2003
HONORS AND ACTIVITIES
Elfun GE Community Service GE Fleet Services Risk Management Award 2004
GE Fleet Services United Way Campaign Board Member CNH Capital Employee Award 2
002
Norwest Financial Partners in Progress with DMISD Triad Systems Financial Corp
oration Manager Award 1998
Member, Equipment Leasing & Finance Association AT&T Leasing Services Employee
Award 1994
Member, National Association of Credit Management Norwest Financial Leasing Em
ployee Award 1988
Scoutmaster, Boy Scout Troop #165 Assistant Scoutmaster Boy Scout Troops #281
& #165
References available upon request