Thomas H McCarthy Greenwood Village, CO 80111 Phone; 303 845 2291 E-mail: tommccarthy98@yahoo.

com

Summary Statement Goal oriented, successful sales consultant. My extensive experience working in dealerships and captive finance companies has allowed me to grow and manage dealer relationships, I was awarded the Top Gun award a few times with my current employer Credit Acceptance. Core Competencies MBA degree Demonstrate proficiency in identifying opportunities by effectively analyzing circumstances. Identify problems and find solutions that result in increasing business. Strong performance in management positions at these companies Ford, GMAC, GE, Zurich, Wells Fargo. Experiences Credit Acceptance Credit Corporation (CACC) 2001 -2013 Market Area Manager Established a brand where none existed prior to me employment, Increased the contract production from 27 contracts per month to 500, making Credit Acceptance the top subprime lender in the in Colorado. Enrolled over 300 dealers including 3 national franchise (only person to do that in the company) accounts including Auto Nations. 50% of the producing dealers are Independents. Created over a dozen news articles on best practices for the company's monthly national news report called The Credit Report.

Colorado Independent Dealers Association (CIADA): Facilitated sales seminars at CIADA and CACC WFS now called Wells Fargo. 2000-2001 Marketing Manager Territory included western and northern Colorado and Wyoming. 75% of the accounts were franchise dealers. John Elway Honda and Phil Long Auto Group 1998-2000 Finance Manager Responsible for contracting customers and protecting the dealer from compliance and disclosure issues. Sell the paper (hang the paper) to banks, finance companies and credit unions for maximum profit. Structured car deals at the desk to insure profitability. Train new salesmen. GE Capital National 1997-1998 Market Director - Service Contract Division. GE Capital was the largest independent provider of extended service contracts in the nation. I oversaw the independent brokers in several states.

Thomas H McCarthy Greenwood Village, CO 80111 Phone; 303 845 2291 E-mail: tommccarthy98@yahoo.com Mountain Parks Finance - a division of Community First Bank Share 1995-1998 VP of Marketing and Operations The entity was created for the purpose of getting into the indirect auto business to both independent and franchise dealers for a 6 state area including Texas. 70% of the production originated from independent dealers. Enrolled over 300 car dealers. Purchased 10 million dollars of bulk receivables from BHPH independent dealers. Responsible for pricing and selecting retail contracts in the portfolio The CEO and I were the original employees. We grew this operation to 65 employees and generated 50 million dollars of receivables. Supervised the collections and sales staff. Created policies and underwriting guidelines. I helped with the merger of Pacific Finance Group in Boulder, a company I co-owned with 2 million dollars of receivables.

TranSouth Financial Services 1994-1995 Regional Branch Manager I was the first employee hired. Started this operation to give the company name recognition in in Colorado, Utah and Wyoming. Responsible for hiring and training the underwriters, sales and the clerical staff. Grew the business from zero contracts to over 200 per month in less than 6 months. The majority of the business was created from 25 independent dealers in Colorado. Dealers in Utah and Wyoming were all franchise dealers. Universal Underwriters 1991-1994 GE Capital was the largest independent provider of extended service contracts in the nation. I oversaw the independent brokers in several states. The credit life and extended service contracts program was just created to compliment the garage liability product. The current sales staff knew very little about dealership operations or what a finance manager did. My job was to cross train the insurance representatives on how to a market the newly created credit insurance and extended service contract product. I conducted seminars to dealership F&I managers so they would be more effective in selling the ancillary products. I was able to earn the President Producers Club award given to the top 20%. 13 years at GMAC: 1977 - 1985 My career started here as a field collector. After demonstrating superior performance, I was promoted to Credit Analyst. I evaluated financial statements to determine floor plan limits and conducted period audits for the purpose of seeing if the account was out of trust. Analyzed dealer income statement and balance sheets to determine the level of credit risk. Transferred and promoted to Denver to oversee the collection department of 35 collectors. Hired collectors and completed performance reviews.

Thomas H McCarthy Greenwood Village, CO 80111 Phone; 303 845 2291 E-mail: tommccarthy98@yahoo.com GMAC Transferred to Denver 1985 -1991 Transferred to the Dealer Sales Department and was assigned to the VP of sales in Detroit to service a 6 state area. I was assigned to special tasks such as integrating the EDS automated sales line project for underwriting retail loans. Transferred to the Golden Colorado Branch to underwriter for the top producing GM dealers. I was popular with the car dealers, so I was transferred to the leasing department, which at that time was the largest producing branch of retail leasing in the country. Education University of Phoenix: MBA with nearly a perfect 4.0 grade. Focus on Business Management. This was accomplished while working full time and bringing up a family and volunteering for the BSA University of NY at Albany: Bachelors Degree in Finance and Marketing References available upon request