Equipment Leasing and Finance Association - Equiping Business for Success

Credit & Collections Management Conference

June 03, 2019 - June 05, 2019

Hilton St. Petersburg Bayfront
St. Petersburg, FL

Innovation & Evolution: Digitizing for the Future

Conference Attire: Business Casual

Credit and Collections Management Conference & Exhibition addresses the new and emerging issues relevant to credit and collections professionals and emerging professionals in the equipment finance industry. The 2019 conference will include sessions on the economy, the equipment finance cycle, alternative financing, human capital issues, the legal and regulatory environment, data analytics, risk and bankruptcy, and other relevant topics. Additionally, the conference will provide ample opportunity to network with colleagues in the equipment finance industry.

Program Highlights

  • What’s Hot? What’s Not? What’s Next?
  • Credit & Collection Managers Effectiveness Survey Results and Discussion
  • Digital Transformation
  • Bank and Non-Bank Roundtable Discussions
  • Legal Update
  • Recession Readiness, Leading Indicators, Is it Really Coming?
  • Preventing Fraud in Equipment Leasing
  • And MUCH more!

Exhibitor & Sponsorship Opportunities

An exhibition is held in conjunction with this conference and many sponsorship opportunities are available. To receive more information about exhibiting or sponsoring, please contact Steve Wafalosky at 440-247-1060 or

Registration Fees

Price Description Amount
Attendee (ELFA Member, 1st Person) $1225.00
Attendee - Non Member (All) $2450.00
Attendee Additional (ELFA Member) $1105.00
Committee - Member $610.00
Exhibitor Additional (Member) $1105.00
Exhibitor Additional (Non Member) $1105.00
First Time Attendee To The Conference $1050.00
Speaker - Non Member (Attending Entire Conference) $610.00
Speaker -Member (Attending Entire Conference) $610.00
Spouse/Companion of Member $250.00
Spouse/Companion of Non Member $250.00

View cancellation and other policies

Conference Schedule

Session descriptions and speakers are all located in the conference schedule.


Special Networking Events

Pre-Conference Meet & Greet
Sunday, June 2nd * 6:45 - 7:30 pm
Are you arriving Sunday evening and looking for something fun? Well, you’re not alone! Stop by Tangerine at the conference hotel to meet your fellow conference attendees, have a drink and maybe meet a few people to grab dinner with that evening. This is an informal event, but registration is requested through the online conference registration. This is a sponsored event. No additional fee to attend.

Women's Council Brunch
Monday, June 3rd * 11:00 am - 12:15 pm
A wonderful opportunity to network with individuals from across the leasing and finance industry who have an interest in furthering the success of talented women in the industry. No additional fee for conference registrants; however, we do ask that all participants register for this event through the online conference registration.

Tampa Bay Dinner Cruise
Monday, June 3rd * 6:30 - 9:00 pm
(pre-registration and additional fee required)

Welcome Aboard! Enjoy two hours aboard a yacht dinner cruise around Tampa Bay. The yacht is a multi-deck boat which will cruise Tampa Bay offering spectacular water views. Boarding time is at 6:30 pm, sailing from 7:00 - 9:00 pm. All passengers MUST board by 6:50pm. Departing directly across the street from the conference host hotel at Demons Landing, this is a perfect way to spend a St. Pete evening!

This event is NOT included in your conference registration fee and is $85 per person. The fee includes: a 2 hour cruise, a buffet dinner and an open beer and wine bar.$85 fee includes: a 2 hour cruise, dinner and bar service.

Exhibit Area
Monday, June 4 - Wednesday, June 5th * Refreshment Breaks, Breakfast and Receptions Held Here
The Exhibit Area is always a popular place to meet during the conference. Located centrally to the conference sessions, various financial service companies provide information and solutions to your daily professional struggles. Stop by and meet our fantastic exhibitors to see how they can help make your professional life a little easier. All refreshment breaks, breakfasts and most receptions will be held in this area.

Available Functions

  Bank Roundtable
  Tampa Bay Yacht Dinner Cruise
  New Comers Reception
  Non-Bank Roundtable
  Women’s Council Brunch


Bob Beckett

Senior Director, Global Data & Insight
Dun & Bradstreet

Bryan Clark

Vedder Price P.C.

Bryan Clark is an Associate at Vedder Price and a member of the Litigation group in the firm’s Chicago office.
He has an extensive privacy and data privacy practice that includes privacy class action defense, mobile-marketing litigation, class action TCPA litigation, and data breach response.
Mr. Clark presents on issues related to digital privacy and data breach before a national audience.  He is a member of the Trial Bar for the Northern District of Illinois and has first-chair trial experience in federal court. As a litigator, Mr. Clark has been involved in a broad range of matters in addition to media and privacy, including topics as diverse as loan enforcement and foreclosure, consumer fraud, environmental, construction and insurance law.

Robert Cohen

Moritt Hock & Hamroff LLP

Robert S. Cohen is a Partner at Moritt Hock & Hamroff LLP, with offices located on Long Island and in New York City. With over 26 years of experience in all facets of the equipment leasing and asset based lending industries, Bob's practice is devoted to commercial litigation, creditors' rights, corporate transactions and bankruptcy matters. Bob has particular experience in the documentation of financial transactions, enforcement of equipment leases and secured loans, as well as the negotiation of workouts and resolutions. He frequently serves as a speaker and author on various topics relating to the leasing industry.
Bob devotes a significant portion of his time as an active member of ELFA, serving on its Credit and Collections Management Committee, as well as participating as a presenter at its various conferences, including its 2013 Legal Forum Conference, and 2012 and 2011 Credit and Collections Conferences where he served as a speaker at sessions on litigation strategy, electronic discovery, forbearance agreements, lease/secured transaction documentation and legal updates in the finance industry. He is also an active member of NEFA, serving on both its Legal and Education Committees and participating as a presenter at its annual conferences.
In 2012, Bob also presented at the Association of Commercial Finance Attorneys' CLEW Conference. In addition to his professional endeavors, Bob is an active supporter of the Special Olympics of New York-Long Island Region, where he has served as a Chairman of its Annual Gold Coast Tour for Champions Golf Outing for the past eleven years.   

Robert Fagan

Vice President of Customer Service & Collections
Eastern Funding LLC

Arlene Gelman

Vedder Price P.C.

Arlene N. Gelman is a Shareholder at Vedder Price in the firm's Commercial Litigation and Corporate Reorganization, Bankruptcy and Insolvency groups and currently serves as Co-Chair of Vedder Price's Creditors' Rights and Collections group.

Ms. Gelman concentrates her practice in the representation of lenders, equipment lessors and other creditors in U.S. state, federal district, appellate and bankruptcy courts, including prosecuting numerous breach-of-contract and replevin actions and representing the interests of secured and unsecured creditors in various state courts and in bankruptcy matters.

Ms. Gelman is a graduate of the University of Illinois (B.A., with distinction, 1989) and Boston University School of Law (J.D., 1994), where she was an Edward F. Hennessey Scholar. Ms. Gelman also served as a staff attorney to the U.S. Bankruptcy Court for the Northern District of Illinois; Law Clerk to the Honorable Ronald Barliant, Bankruptcy Judge for the Northern District of Illinois; Law Clerk to the Honorable Eugene Wedoff, U.S. Bankruptcy Judge for the Northern District of Illinois; and Law Clerk to the Honorable Joan H. Lefkow, U.S. District Court Judge for the Northern District of Illinois.

Ms. Gelman presented the secured creditor's perspective as a speaker and panelist in the program "Triage for the Financially Distressed Business," hosted by the Committee on Business Bankruptcy and the Committee on Corporate Governance at the American Bar Association's 2009 Annual Meeting.

Ms. Gelman spoke as a panelist on the topic of forbearance agreements at the Equipment Leasing and Finance Association's 2017 Equipment Management Conference & Exhibition.

Ms. Gelman spoke as a panelist on the legal update panel at the Equipment Leasing and Finance Association's 2018 Credit & Collections Management Conference, where she also serves as a committee planning member.

Ms. Gelman has been selected by her peers from 2013 to 2018 as a Leading Lawyer in Bankruptcy & Workout: Commercial and Creditor’s Rights/Commercial Collections. In addition, Ms. Gelman has received an "AV Preeminent" Peer Rating in Martindale-Hubbell.

Daniel Goderis

Director, Portfolio Management
GreatAmerica Financial Services

Dan joined GreatAmerica Financial Services Corporation in September of 2001 and during his tenure has provided portfolio management leadership in nearly every one of GreatAmerica's business units. In his current role, he is responsible for leading the portfolio management team of nearly 30 individuals across all business units. In addition to maintaining acceptable levels of delinquency and minimizing write-offs, he is charged with setting the strategic direction of the function and ensuring that GreatAmerica Financial Services has the right team members, training and tools to be successful in our changing markets. Before joining GreatAmerica, Dan held collection leadership positions with GE Capital Vendor Financial Services in National Accounts, Sundry, and Office Equipment business units. Prior to this, he was the General Manager of H & R Receivables Management.

Dan has been a member of the ELFA Credit and Collections Conference Committee for the past 7 years as well as a regular panel speaker at the conference.
Education: University of Illinois Urbana-Champaign.

Jennifer Gould

Stark & Stark, P.C.

Jennifer D. Gould is a Shareholder at Stark & Stark, PC, a regional law firm with offices in Pennsylvania, New Jersey and New York, where she is a member of the Bankruptcy & Creditor's Rights, Litigation, and Business & Corporate Groups. Jennifer represents financial institutions, equipment lessors, private equity firms, and other businesses in state, federal and bankruptcy courts nationwide. She also counsels clients in connection with commercial loan and lease documentation as well as general corporate legal issues. Jennifer is a long time member of the Equipment Leasing and Finance Association (ELFA) and serves on ELFA's Legal Committee following six years on the Credit & Collection Management Conference Committee. Jennifer has published articles and lectured on a wide range of issues pertaining to the turnaround and equipment leasing industries.  She resides in Bucks County, Pennsylvania with her husband and seven year-old son.  

Dustin Jeffries

Director of Operational Risk
GreatAmerica Financial Services

Dustin joined GreatAmerica in February of 2004.  From 2004 to 2007, he led the company’s Vendor Operations Group at a corporate level.  From that time, he became the Director of Operational Risk and led the company’s first State of the Portfolio which identifies and strategizes how to handle various forms of risk to GreatAmerica.  Dustin is currently in charge of the company’s credit scoring strategy and is leading the effort of streamlining the credit function through process improvements and technological enhancements.
Before joining GreatAmerica, Dustin served as the IT Director for Lamar Bank & Trust Company.  Prior to this, he was a Financial Portfolio Consultant for Accenture covering the utilities industry in the Eastern US, Central & South America.  Dustin has a Bachelor of Science degree in International Business from the University of North Carolina at Charlotte.  

Nicholas Jones

Vice President, Credit & Operations
Volvo Financial Services

Nicholas Jones is Vice President of Credit and Operations for the Americas Region at Volvo Financial Services, the global finance arm of the Volvo Group, one of the world’s leading manufacturers of trucks, buses, construction equipment, and marine and industrial engines. Nicholas’ region encompasses the United States, Canada, Mexico, Brazil, Chile and Peru and he leads the functions that include portfolio management, risk analysis, credit, documentation and funding, and booking processes in those diverse markets.

Nicholas joined Volvo Financial Service in 2005 and has held a range of senior management roles in credit, risk, operations and market optimization within the organization in Europe and North America. Prior to joining Volvo Financial Services, he worked in several independent and captive equipment finance and leasing organizations over his 20+ year career. Nicholas holds an MBA from Georgia State University and a Bachelor of Science degree in Finance from Northern Illinois University, and resides in Greensboro, North Carolina with his wife and son.

Chris Jung

Cisco Systems Capital Corporation

I have been at Cisco for 11 years, all in credit roles, beginning with Canada and then taking the North America role, followed by the Americas Trade Credit role, and now Americas Trade Credit and Latam Term Credit. Prior to Cisco I managed the credit department at Mitel Networks, which included a roughly $500M captive leasing portfolio. In this role I was also responsible for preparing quarterly reporting to the Mitel board of directors with regards to economic indicators, portfolio analysis, and trends.  Prior to that role I was the controller for the Nevada, Utah, and Colorado branch locations, which included oversight for Accounting, Inventory Management, and branch P&L's. Previously I spent three years in Leasing Sales.
I received my bachelors with a dual major in Finance/Economics from the University of Nevada. And then my Masters in Science, Finance, also from the University of Nevada.

Rachel Kling

Lending Manager
Wells Fargo Equipment Finance

Dominick Longo

Health Care Credit Manager
TIAA Commercial Finance, Inc.

Lou Maslowe

Chief Risk Officer
Marlin Capital Solutions

Lou Maslowe is Senior Vice President and Chief Risk Officer for Marlin Capital Solutions. Prior to joining Marlin in January of 2017, Mr. Maslowe was employed by DLL, most recently as Chief Risk Officer of the Americas..

Mr. Maslowe has more than 30 years experience in the equipment finance and asset based lending industries. Prior to joining DLL, Mr. Maslowe held senior risk and commercial roles with HSBC Business Loans, HP Financial Services, ORIX Financial Services, and Westinghouse Credit Corporation.

Mr. Maslowe earned an MBA from Drexel University with a concentration in Marketing and received his undergraduate degree in Finance from Bloomsburg University.

Chris Maudlin, CLFP

SVP, Chief Credit Officer
Wintrust Specialty Finance

Scott McCann

Sr. Credit Manager, Bank Channel
Wells Fargo Equipment Finance

Scott McCann joined Wells Fargo Equipment Finance (WFEF) in Minneapolis, MN in 2002, and is currently a Senior Vice President and Senior Credit Manager for WFEF's Bank Channel. WFEF is a diverse equipment finance company operating in the U.S. and Canada, with a managed portfolio totaling nearly $50 billion in assets. Scott’s underwriting teams are situated in multiple locations throughout the U.S., and are responsible for managing a $10 billion portfolio comprised of equipment finance transactions, primarily with customers of Wells Fargo Bank.

Scott has over 20 years of experience in the equipment finance industry; he previously worked as a bank regulator for 11 years, including as a National Bank Examiner for the Office of the Comptroller of the Currency.

Scott holds a bachelor's degree in Business Administration from Augustana College, Rock Island, IL.

Eric McGriff

Chief Credit Officer
TIAA Commercial Finance, Inc.

Patrick Moore

Manager, Credit Strategy Consulting
PayNet, Inc.

Patrick Moore has been at PayNet as Manager: Credit Strategy Consulting since 2012, responsible for credit/risk strategy consulting to lenders based on peer benchmarking, credit score analyses, and Strategic Business Reviews.  He is also very involved in PayNet’s industry-wide analysis and the creation and publishing of PayNet’s statistical indices.  Prior to PayNet he had almost ten years’ experience in small business lending with GE Capital, as a Credit Manager of a team at GE Commercial Distribution Finance, and as a Risk Analyst at GE Transportation Finance.  He has a B.S. in Finance from the University of Illinois at Urbana-Champaign, and an M.B.A. from the University of Chicago Booth School of Business.

Michael Mount, CLFP

SVP, Credit Executive
U.S. Bank Equipment Finance

Michael A. "Mic" Mount joined U.S. Bank Equipment Finance in Portland, Oregon in May 2012 and is currently a Senior Vice President and the Department Head for mid/large ticket underwriting and portfolio review. U.S. Bank Equipment Finance manages a $10 billion equipment portfolio, with transactions originated through vendor and direct channels.

Prior to transitioning to U.S. Bank, Mic was Senior Vice President and Credit Executive at Key Equipment Finance (KEF), where his responsibilities included oversight of the credit underwriting process and credit teams located in offices in the U.S. and Europe. Headquartered outside Boulder, CO, KEF is an affiliate of KeyCorp and managed a $7 billion equipment portfolio at the time of Mic's departure.

Prior to joining KEF in 2001, Mic had worked as a national bank examiner with the Office of the Comptroller of the Currency, as a consultant with a national bank accounting & consulting firm, and as a commercial lender at a Midwest-based regional bank.

Mr. Mount holds a bachelor's degree in business administration from the University of Colorado at Boulder and was awarded the right to use the Chartered Financial Analyst (CFA) designation in 2002. He remains involved with the CU Alumni Association and previously served on the Association's Board of Directors and as Treasurer.

Joel Naroff

President and Founder
Naroff Economic Advisors

Joel L. Naroff is the President and founder of Naroff Economic Advisors, a strategic economic consulting firm. He advises companies from a wide range of industries on the risks and opportunities that economic developments may have on the organization's operating environment.
Joel is the author, with veteran reporter Ron Scherer, of Big Picture Economics: How to Navigate the New Global Economy, published in April 2014. The book, written for everyone, provides a roadmap for decoding the mysteries of a tumultuous economy. It helps people put the pieces together and form frameworks for future decision-making.
Joel works with firms across the country. He is an economic advisor to Beneficial Bank, Emerald Asset Management, Investors Bank, Berkshire Hathaway HomeServices Fox & Roach, Realtors, Trefoil Properties and Spectrum Alliance. He consults with banks on asset/liability, economic growth and credit risk issues, corporations on economic risk as well as business and marketing opportunities. He is an economic and financial advisor to state and local governments. He has testified in front of Congress on economic and fiscal policy matters.
A nationally recognized economic forecasting expert, Joel has received numerous honors.  He was the named by Pulsenomics as the top forecaster, of 100 economists, in the 2015 Zillow Home Price Expectations Survey for his five-year housing price forecast. He was also ranked third in forecast consistency. In 2011, for the second time in five years, he received the National Association for Business Economics Outlook Award as the top economic forecaster. NABE is the premier professional association for business economists and those who use economics in the workplace. He also received the award in 2007. In 2008 he was awarded the Lawrence Klein Award for Blue Chip forecasting excellence. This is one of the oldest and most prestigious forecasting honors. It is named after the Nobel Laureate in Economics who received the award in 1980 for the creation of econometric models and the application to the analysis of economic fluctuation and economic policies. He was also named the Bloomberg Business News 2008 top economic forecaster. In 2006, Joel was MSNBC's top forecaster. He was the first independent economist to win the CBS MarketWatch Economist of the Month award.
Joel is often quoted in the national press, including Business Week, The Wall Street Journal, The New York Times, USA Today, Financial Times and Newsweek. Internationally, his materials are quoted by almost every national news agency. He appears frequently on CNBC, Fox Business News and Bloomberg Television. In addition, he has been on ABC’s The World News Tonight, The CBS Evening News, The News Hour with Jim Lehrer, The Wall Street Journal Report, BNN in Canada, and local television stations throughout the Northeast. Joel writes a column and a blog for the Philadelphia Inquirer, does business commentary for KYW Newsradio in Philadelphia and can be heard often on the national news radio networks.
An accomplished public speaker, Joel's humor and unique ability to make economics understandable have brought him a wide following. His presentations on national, international, regional and industry topics show how evolving economic trends can impact businesses, governments, educational institutions and not for profits.
From 1999 to 2009, Joel served on a consulting basis as Chief Economist for Commerce Bank/TD Bank. Before that he was Chief Economist at First Union Bank and First Fidelity Bancorp. Prior to moving into banking, Joel was a tenured professor in the Isenberg School of Management at the University of Massachusetts at Amherst.
Joel received bachelors degrees in economics and chemistry from Stony Brook University and his Ph.D. in economics from Brown University. He is a member of the Board of Directors of the Economy League of Greater Philadelphia, teaches at the ABA Stonier Graduate School of Banking and the Pennsylvania Bankers Advanced School of Banking, is a past Chair of the American Bankers Association’s Economic Advisory Committee and is a past President of the Philadelphia Council of Business Economists.

Dana Pace

Senior Vice President, Director of Operations & Asset Resolution
PNC Equipment Finance, LLC

Sarah Palmer

Underwriting Executive
Key Equipment Finance

Frank Peretore

Member of the Firm
Chiesa Shahinian & Giantomasi PC

Frank Peretore has served as a trusted legal advisor and counselor to national and regional banks and finance companies ranging from closely held companies to Fortune 100 companies. Frank has over 30 years of experience in commercial lending and leasing with a concentration in equipment finance and leasing and other asset based lending. Frank's representation includes drafting master documentation for equipment leasing and asset based lending for direct and private label programs, TRAC, FMV and other true lease structures, leases intended as security, equipment finance agreements and vendor programs, as well as purchase/sale of one-off deals and full portfolios. Frank's representation has also included the enforcement of lessors' and secured creditors' rights in thousands of matters in the state, federal and bankruptcy courts.

As a long-standing leader in his field Frank has published highly-acclaimed books titled "Workouts and Enforcement for the Secured Creditor and Equipment Lessor," (Lexis/Nexis 2015 edition) and "Secured Transactions for the Practitioner, How to Properly Perfect Your Personal Property Lien and Assure Priority." In 2015, Frank was nominated by Leasing News as one of the 25 most influential attorneys in the U.S. in the Equipment Leasing and Finance Industry.

Prior to joining the firm, Frank was a founding member of the law firm of Peretore & Peretore, P.C.

Frank received his J.D. from Georgetown University Law Center where he was a member of the Dean's List. Frank received his B.S. in Economics from State University of New York College at Oneonta where he graduated with high honors.

Ralph Petta

President and CEO
Equipment Leasing and Finance Association

Ralph Petta is the President and CEO of the Equipment Leasing and Finance Association (ELFA), the premier trade association representing 550+ member organizations in the $1 trillion equipment finance sector. Mr. Petta leads the organization in executing its mission to foster business development, deliver industry information and analysis, provide educational opportunities and advocate for the industry. He is also President of the Equipment Leasing & Finance Foundation, which is dedicated to inspiring thoughtful innovation and contributing to the betterment of the equipment leasing and finance industry.

Mr. Petta, an authority in the business of equipment finance, has been with the association since 1987. Before assuming the role of President and CEO in January 2016, he served as Chief Operating Officer for six years, providing coordination, direction and oversight of ELFA programs and services designed to add value to the association's member organizations. Prior to that, he served as Interim President. From 1987 to 2010 he was Vice President-Research & Industry Services, managing ELFA's information, benchmarking and market research initiatives. Throughout his career at ELFA, Mr. Petta has assumed leadership roles in virtually all functional areas within the organization, including governance, membership marketing, communications, business and professional development, state advocacy and the association's affiliated Foundation.

He is often quoted in industry trade publications and is a frequent speaker about the role of equipment finance in the U.S. economy and trends and developments in the equipment finance sector.

Mr. Petta is a member of the American Society of Association Executives (ASAE), as well as ASAE's Key Industry Association Committee (KIAC).  He completed the ASAE/University of Maryland College of Business and Management executive development certificate program in association management. He also was selected for and participated in the ASAE Future Leaders Conference. Mr. Petta is a member of the Exchequer Club of Washington, DC.

Before joining ELFA, Mr. Petta worked for nine years in the office of United States Senator Sam Nunn, serving in a variety of professional capacities. He was Senator Nunn's legislative assistant when he left to join the association. Mr. Petta graduated from Syracuse University, earning a B.A. degree in political science.  

Kevin Prykull, CLFP

SVP & Credit Underwriting Executive
PNC Equipment Finance, LLC

Kevin P. Prykull has worked at PNC in risk management and leasing for more than 29 years. He manages all of the credit underwriting and portfolio functions for PNC’s leasing and equipment financing subsidiaries. He is responsible for the credit and risk activities within leasing, equipment finance, vendor, Canada, alternative energy, and corporate aviation -- including the underwriting and approval of new transactions, portfolio management, and related credit administration matters. PNC’s combined leasing and equipment finance portfolio exceeds $14 billion in assets making the firm the 3rd largest bank leasing company in the country.

Kevin has over 38 years of work experience. He actually has worked twice for PNC and returned in 1999 to establish a credit function for PNC Leasing (predecessor of PNCEF). His other work experience includes: an independent finance company (Senstar Capital Corporation), national lease consulting firm (Amenbal, Deane and Associates), a Fortune 500 manufacturer and captive lessor (Joy Manufacturing), and a local regional bank (Equibank). The majority of his background is in the area of credit, equipment, leasing and consulting.

Mr. Prykull holds an undergraduate degree in accounting (BSBA) from Duquesne University and a Masters in Business Administration (MBA) from Robert Morris University. Although he does not practice, Kevin has passed the Pennsylvania CPA exam.

Prykull has been an active member of Equipment Leasing and Finance Association (ELFA) for more than 25 years. Since 2008, he has served as chair, member and leader on the association’s Credit and Collections (C&C) Planning Committee. In 2013 he was the recipient of the ELFA Distinguished Service Award. The award honors individuals who have made significant contributions to the association and the equipment finance industry. Recently Kevin was invited to join the Research Committee involved in the annual publication of the Summary of Equipment Finance Activity (SEFA).

Kevin has earned and maintains the Certified Lease and Finance Professional (CLFP) designation offered through the CLFP Foundation. Kevin was elected to the Board of Directors of the CLFP Foundation originally in January of 2018 and has been active on the Body of Knowledge Committee and functions as the Subject Matter Expert (SME) for credit. He has volunteered time to teach at the CLFP Foundation’s Academy as well. He is as an Adjunct Professor in Finance at Duquesne University where he has taught for over 30 years. Kevin is a native of the Pittsburgh, PA area and resides in Peters Township with his wife Karen. He has three grown children.

Barry Ripes

Managing Director
PayNet, Inc.

Barry is Managing Director of Commercial Finance at PayNet, responsible for business development, and management of PayNet’s Commercial Finance team in the United States. Barry has also personally managing many of PayNet’s key relationships. Barry has been at PayNet for 7 years. Prior to joining PayNet Barry was president and founder of Struan Partners, LLC, a futures broker group in US Treasuries at the Chicago Board of Trade.  

Jennifer Rosenberg

Senior Credit Officer
Fifth Third Equipment Finance

Jennifer Poland Rosenberg is the Senior Credit Officer for MB Equipment Finance, overseeing credit and equipment management. She has more than 20 years of experience in risk management, financial analysis and business valuation.
From 2012 until the merger with MB, she was senior vice president, credit for Cole Taylor Equipment Finance. Prior to that, Rosenberg was senior manager with Tucker & Meltzer Valuation Advisors in Baltimore where she focused on corporate valuations of closely held businesses and private equity investments. She spent three years as a risk manager for GE Capital Corporation where she was responsible for underwriting and closings of commercial loans and leases. Rosenberg also held roles with LaSalle National Leasing Corporation, Morgan Stanley, and Ernst & Young LLP earlier in her career. She had earned and held both the CPA and ABV accreditations, both of which are no longer active.

She earned a B.A. in Business Accounting from Franklin and Marshall College, Lancaster, Pennsylvania.

Jud Snyder

BMO Harris Equipment Finance Company

Jud Snyder is the President of BMO Harris Equipment Finance Company and BMO's Senior Executive for Southeast Wisconsin.
Jud joined the Bank in 1994 and is responsible for leading the growth and development of BMO Harris Equipment Finance Company. This includes strategic and managerial responsibility for sales, operations, underwriting and equipment management capabilities within the Equipment Finance Company.
Prior to taking on his current role, he had roles in credit, sales and sales management in Equipment Finance prior to taking on the President's role in 2008. In 2010, he moved into the bank as M&I's Head of Specialized Industries. In this role he was responsible for Equipment Finance, Global Trade, Health Care, Dealer Finance, Agribusiness and Sponsor Finance. Following the BMO acquisition in 2011, he moved back into the head role at Equipment Finance with the mandate to leverage the business across BMO and grow the business to scale.
Jud obtained his BA in Russian and Economics from UW Madison ('94). He is currently the Chairman and an Officer of ELFA (Equipment Leasing and Finance Association). He also serves on the Board of Directors for the Milwaukee Ballet (Immediate Past Chair & President and Executive Committee Member), The Boys and Girls Clubs of Greater Milwaukee (Trustee), United Way of Greater Milwaukee & Waukesha County, Teach for America and Froedtert Health Systems.
Jud lives in Whitefish Bay, Wisconsin with his five children.

James St. Clair

Outsourcing Director

James (Jim) K. St. Clair is Director of Outsourcing at De Lage Landen F.S. with 30 years experience in portfolio management, risk management, commercial and consumer collection, special workouts, repossession, litigation and bankruptcy in the financial services industry. In addition to leading a seasoned team of Litigation Specialists, he manages the company’s 3rd party outsourcing partners, including collection agencies, repossession agents and law firms.  
St. Clair joined De Lage Landen F.S. from Bank of America as VP Risk Operations  for 16 years and managed a staff of 40 skilled professionals with a small to middle market portfolio of delinquent, workout, litigation and bankrupt leases with a combined exposure exceeding $5 billion and 120,000 lease schedules.
Before his work at Bank of America, St. Clair worked for the Michigan collection law firm of Douglas Shermetta where his role included enforcement of consumer bankruptcy reaffirmations, post judgment enforcement, payment negotiations, locating and attaching debtor assets to satisfy open judgments and collateral recovery.  
St. Clair is a member of the 2014 ELFA Credit & Collections Management Committee.

Thomas Ware

Senior Vice President, Analytics and Product Development
PayNet, Inc.

Thomas Ware has 30 years’ experience in small business lending, working with banks and finance companies.  He began his career at a consulting firm that is now part of Oliver Wyman, and started in finance with a subsidiary of First Interstate Bancorp, the seventh largest U.S. bank at the time.  He has held a variety of credit and general management positions, including Senior Vice President, Operations & Chief Credit Officer of American Express Equipment Finance.  He became acquainted with PayNet as a potential customer, while serving as Vice President & General Manager of a billion-dollar business unit at CNH (Case) Capital Corporation, and began working at PayNet in 2001.
At PayNet, Mr. Ware is responsible for the development of new products and services, including credit scores (such as the PayNet MasterScoreSM), predictive models (PayNet AbsolutePD®), and industry indices (the Thomson Reuters/PayNet Small Business Lending Index, “SBLI”).  He is also responsible for PayNet’s consulting services such as Strategic Business Reviews and Peer Lender Benchmarking.
Mr. Ware is a Trustee of the Equipment Leasing & Finance Foundation, a member of its Executive Committee, and Chairman of its Research Committee.  He is also a member of the Equipment Leasing & Finance Credit & Collections Committee, and previously served on the Board of Governors of the Risk Management Association’s Washington D.C. & Maryland Chapter.  He is a frequent contributor to Equipment Leasing Today and the Monitor, where he published as a three-part series of articles, “The 12 Secrets of Commercial Credit Scoring.”  Mr. Ware received a BA with Distinction in Mathematical Economics from Dartmouth College and later earned an MBA from Harvard.

Amy Wingate

Chief Credit Risk Officer
Cisco Systems

Amy Wingate is the Chief Credit Risk Officer for Cisco Systems. Based in Las Vegas, NV, Amy has been with Cisco for twelve years. Prior to that Amy was VP of Credit for CitiCapital in the Industrial Equipment space and Director of Financial Services for GE Capital's Access Distribution Business. Working over 25 years in trade, loan and lease finance, Amy has extensive experience in managing credit portfolios. Amy has served on the Credit and Collections planning committee for the 2016, 2017 and 2018 conferences. Amy holds a BS in Business Administration and Accounting from the University of Colorado and earned an MBA with a Finance Emphasis from Grand Canyon University.


Hotel Information

A block of rooms is being held for attendees of the 2019 Credit & Collections Management Conference at the Hilton St. Petersburg Bayfront hotel, 333 1st Street South, St. Petersburg, FL 33701 at a discounted rate of $169 +tax. Check in time is 4:00 pm and check-out time is 11:00 am. Please call Reservations at 1 (800) 774-1500 or use the link below before the discounted room rate deadline of Sunday, May 12, 2019. Reservations made after May 12, 2019 are based on the hotel pricing and this group rate will no longer be offered.

Make hotel reservations online here:

The Hilton St. Petersburg Bayfront hotel puts you in the heart of the Waterfront District in downtown St. Petersburg near popular cultural attractions, shops, dining, entertainment experiences and sports venues.

Whether it's a relaxing dip in the outdoor pool or a snack to go from the 24-hour Corner Pantry, Hilton St. Petersburg Bayfront hotel offers the services you need, the amenities you expect, and the extras you deserve.

Getting There

The Hilton St. Pete Bayfront is 22 miles from the Tampa International Airport (TPA). Approximate cost from the Tampa International Airport to Hilton St. Pete Bayfront is approximately $50.00 one-way with Super Shuttle and $55.00 one-way via Taxi.

The St. Petersburg-Clearwater International Airport is another airport option in the area. Approximately 15 miles from the conference hotel a Supper Shuttle ride will cost about $35.00 one-way and Taxi will be about $30.00 one-way.

Self-parking is available at the hotel for $14.00 per day as a hotel guest. Valet parking is not offered. Non-hotel guests are allowed to park at the hotel, but availability is not guaranteed.

Things To Do:

Explore The Dali Museum located across the street from the Hilton St. Pete Bayfront with the world’s most comprehensive collection of Salvador Dali artwork. After viewing the work of Dali take a quick trip over to the Museum of Fine Arts which includes a vast collection of fine art and antiquities. For baseball fans, enjoy a game at Tropicana Field just blocks away from the hotel. And even football fans are just a 20 minute drive from Raymond James Stadium, home to the Tampa Bay Bucs. So much to do for everyone! Click here for a full list of information from the hotel.

Hilton St. Petersburg Bayfront
3331st St S
St Petersburg, FL 33701

Get directions

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

If you would like information on exhibiting at this conference, please contact Steve Wafalosky at or 440.247.1060.

Certified Lease & Finance Professional Foundation (CLFP)

The CLFP Foundation is a certifying body created in 1980 to raise industry standards among equipment leasing and financing professionals. The Foundation serves as the governing body for CLFP certification and recertification. We provide access to education, training and certification testing through strategic partner alliances.  
To become a CLFP, a candidate must have a minimum time in the equipment leasing and finance industry and pass an eight-hour exam. The CLFP Foundation provides the following study tools to prepare for the exam: Body of Knowledge, The Certified Lease & Finance Professionals' Handbook; Certification Exam Outline with Sample Questions; CLFP Mentor Program; and the Academy for Lease & Finance Professionals.  For more information, please visit our website at:


A company’s ability to access and act upon information about their customers, prospects and suppliers is often the difference between winning and losing.  Whether making credit decisions, assessing the health of suppliers, prioritizing sales efforts or dealing with many other B2B interactions, companies need accurate insights delivered in a useful form when and where they’re needed.
Specifically for ELFA members, we provide B2B credit data and monitoring services that credit and collections professionals in the equipment finance industry to make better decisions.
For over 20 years, Cortera has provided innovative business information and workflow automation solutions.  Our combination of proprietary technology platforms and flexible, open data-on-demand layers allow us to deliver high value, low cost solutions to companies of all shapes and sizes.

Dun & Bradstreet

Dun & Bradstreet enables companies around the world to improve their business performance, through the strength of our Data Cloud and the solutions it powers. Comprising more than 300 million entities from around the globe, our Data Cloud contains the broadest and deepest set of commercial data and analytical insights available, helping customers to improve business performance by accelerating revenue, reducing cost, managing risk and transforming their business.

Garnet Capital Advisors, LLC

  • Headquartered in New York, with offices in Boston, Atlanta, Houston, Minneapolis, and San Juan.
  • Senior management has over 100 years combined experience in the loan-sale advisory business since the late 1980’s.
  • Employs 27 professionals focused on loan sale advisory.
  • Compliant with both the PCI-DSS and ISO 27002 international data-security standards.
  • Fully vetted and vendor-approved by government agencies and dozens of major institutions nationwide.
  • Sales database of over 23,000 secondary market participants.
  • Our closing rate for commercial and residential sale transactions is 98%.


MicroBilt is the leading data provider for skip tracing and collection needs. Designed to help debt collection professionals in all aspects of their work, MicroBilt’ s suite of recovery and skip tracing tools provide quick, convenient, and current data that help you prioritize and successfully track people down and collect. MicroBilt provides multiple alternative and collections-specific credit reports, as well as bank account data and more.

MicroBilt also provides a full suite of underwriting and verification solutions in support of small business lending and merchant cash advance. MicroBilt’s Instant Bank Verification (IBV) provides access to detailed real-time and historical bank account information on a business or consumer’s banking activities and account status with over 95% account coverage.

PayNet, Inc.

PayNet, Inc., is the leading provider of credit ratings on small businesses enabling lenders to manage credit risk, grow earning assets and operate credit processes at lower cost. PayNet maintains the largest proprietary database of small business loans, leases and lines of credit encompassing over 24 million contracts worth over $1.6 Trillion. Using state-of-the-art analytics, PayNet converts raw data into real-time marketing intelligence and predictive information that subscribing lenders use to make informed small business financial decisions and improve their business strategy. For more information, visit


Exhibitor profile is not available at this time.

RTR Services, Inc.

Since 1990 RTR Services Inc. has provided specialized, nationwide asset management services to the leasing and financial industry. We specialize in equipment inspections, appraisals, collections, repossessions and remarketing of commercial equipment. We're a company founded on integrity, dependability, market knowledge, sales results, cost effectiveness and accountability. RTR's provides "a higher standard in asset management" which is why banks and finance companies nationwide are choosing RTR as their asset management company.

Our staff of proven professionals are experienced in providing services that are customized to meet your needs. We are committed to your success and are dedicated to seeing that you get the personal attention and flexible services you expect and deserve. We are confident that we are the professionals you can turn to and trust to provide competent, cost-effective solutions to all your inspection and asset management needs.

RTR is a full service, in house, Asset Management Company that utilizes our own staff to provide the following services.

  • Cost Effective Inspections
  • Pre & Post Funding
  • Condition Reports, Photo's
  • Delinquent Accounts
  • Repossessions
  • Appraisals
  • Asset Remarketing
  • International "OFAC" Compliant
  • Equipment Verification / Audits
  • Business and Fleet Liquidations
  • Collections -

United Field Chase

Exhibitor profile is not available at this time.