Equipment Leasing and Finance Association - Equiping Business for Success

Credit & Collections Management LIVE!

June 07, 2021 - June 08, 2021

Virtual Event

Managing Risk in a New World

Credit & Collections Management LIVE! Managing Risk in a New World is the first virtual edition of this esteemed event and promises another program packed with engaging, timely content, as well as ample opportunity for networking and connecting.

Virtual Conference & Exhibition

Registered Attendees:

Welcome to Credit & Collections Management LIVE!. We are excited for a wonderful virtual conference. Registered attendees may enter the conference through the link below beginning at 8:00am ET on Monday, June 7th.

To log-in to the event, copy and paste this link into Google Chrome:
then enter the Passcode: ELFACC.

Should you run into firewall or VPN issues, try accessing the event from your personal laptop/computer.
Here are some tips to help eliminate any issues you might have connecting to the conference:

  • Position yourself in a place with consistent, high speed internet.
  • Turn off VPNs and strict corporate firewalls. These throttle upload speed, causing lag, and can potentially block audio and video streams.
  • Use a desktop/laptop computer. The platform is not mobile-friendly.
  • Use Google Chrome or Firefox. These browsers are optimal for the platform.

The 2-day conference agenda addresses the new and emerging issues relevant to credit and collections professionals in the equipment finance industry through the lense of our new business environment. The 2021 conference will include sessions on the economy, alternative financing, human capital issues, the legal and regulatory environment, risk and bankruptcy, and other relevant topics. We foresee this conference reaching a whole new audience with the more accessible virtual offering and welcome all new and seasoned attendees to enjoy the content, networking and exhibitions.

Program Highlights:

  • Credit Modeling
  • Economic Outlook Keynote Address with Tom Jalics of Fifth Third Bank
  • Legal Update
  • Bank and Non-Bank Panel Discussions
  • The "Other" Side of the Pandemic
  • And MUCH more!

Exhibitor & Sponsorship Opportunities

A virtual exhibition will be 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 - 3 or more from a Member Company $500.00
Attendee - ELFA Members Only $595.00
Attendee - Member $595.00
Attendee - Non Member $795.00
Committee - Member $295.00
One Day Speaker $0.00
Speaker - Member $295.00

View cancellation and other policies

ELFA 2021 Credit   Collections Management LIVE! Schedule of Events

Below is the general schedule of events. Session descriptions and speakers are all located in the conference brochure, linked on the left side of this web page. Please note, all conference times are based in the Eastern Time zone.

Monday, June 7th

All times are listed in Eastern Time zone.

11:00am - 12:00pm ET - Opening General Session, Part 1

12:00 - 12:45pm ET - Opening General Session, Part 2

12:45pm - 1:15pm ET - EXHIBIT HALL OPEN

1:15pm - 2:15pm ET - Concurrent Breakout Sessions (2 Sessions)

2:15pm - 2:45pm ET - EXHIBIT HALL OPEN

2:45pm - 3:45pm ET - KEYNOTE General Session
  • Keynote Speaker: Tom Jalics, Chief Market Strategist Vice President, Fifth Third Bank
3:45pm - 4:15pm ET - EXHIBIT HALL OPEN

4:15pm - 5:00pm ET - Day 1 Closing General Session

Tuesday, June 8th

9:45am - 10:45am ET - Senior Management Breakfast (By Invitation Only)

11:00 - 12:15pm ET - Welcome to Day 2 General Session

12:15pm - 1:00pm ET - EXHIBIT HALL OPEN

1:00pm - 2:00pm ET - Concurrent Breakout Sessions (2 Sessions)

2:00pm - 2:30pm ET - EXHIBIT HALL OPEN

2:30pm - 3:30pm ET - Closing General Session

3:30pm - 4:30pm ET - Closing Virtual Reception

Available Functions


Djuana Beamon

Chief Diversity Officer
People's Capital and Leasing Corp.

I am a seasoned diversity practitioner with more than 20 years experience in various business capacities. I'm experienced in leading D&I strategies for organizations to find new ways to enhance their cultures and celebrate our unique differences and collective similarities.

Through my professional career, I have lead diversity and Inclusion efforts in various companies and industries with increasing responsibility and scope. I am a thought leader in the DEIJ space and have been a featured guest on podcasts including The Winters Group Inclusion Solution Live, The Power of Owning Your Career, and 94.3 WYBC's Electric Drum as well as features in Savoy and Latino Leaders Magazines and as a guest on Bonnie Marcus’ “Women Mean Business” radio Show. I have also been a keynote speaker at local and national conferences and events.

I enjoy serving my community through volunteerism and have served as the Director, Diversity & Inclusion for the CT SHRM HR State Council as well as on the Advisory Board for the creation of the Human Capital Management Media's Diversity Value Index. I previously served on the Board of Our Piece of the Pie, and currently serve as a Board Trustee and Chair of the Governance Committee for the Harriet Beecher Stowe Center in Hartford, CT. I am humbled to be inducted into the 2019 class of 100 Women of Color and named as a 2018 Honoree by the Minority Inclusion Project.

I received my MBA as well as a Graduate Certificate in HR Management from the University of New Haven and a BSBM degree from Albertus Magnus College. I also received a Certificate in Diversity Management and Cornell Certified Diversity Professional/Advanced Practitioner Certification (CCDP/AP) from Cornell ILR. I am a certified diversity facilitator on topics including Unconscious Bias, Appreciating Differences, and MBTI among other D&I disciplines. I am a lifetime member of the National Black MBA Association, and a member of the National Society of Hispanic MBAs.

Specialties: Diversity & Inclusion Strategy and Leadership, Talent Management, Leadership Development, Relationship Management, Training & Development.

Alexander Darcy

Askounis & Darcy, PC

Alex Darcy is a shareholder at Askounis & Darcy PC in Chicago.  Alex specializes in representing banks, finance companies, and vendors in equipment lease litigation, appellate, bankruptcy and transactional matters.  He has litigated equipment leasing related matters in all fifty states and Puerto Rico.  Since graduating in 1993 from The Washington University School of Law in St. Louis, he has practiced exclusively in the equipment finance area with Tom Askounis.  
Alex cut his teeth on the $180 million Recomm equipment leasing fraud, a mid-1990s Ponzi scheme in which the vendor rebated a portion of the lease payments back to the lessees through separate, undisclosed "royalty" contracts.  More recently, Alex worked to uncover fraud in the Wildwood Industries and Equipment Acquisition Resources matters.  He also defended an equipment finance company from the Federal Trade Commission's challenge to floating forum selection clauses in equipment lease contracts, winning dismissal of that part of the Federal Trade Commission's Complaint.  
Alex is licensed to practice law in Illinois, California, and Maryland, as well as numerous federal courts throughout the country.  He is a 1987 graduate of Hamilton College.    

Doug DiFilippo


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 on representing the interests of equipment lessors and secured and unsecured creditors in various state and federal courts and in bankruptcy proceedings throughout the country, including prosecuting numerous breach-of-contract and replevin actions.

In 2020, Ms. Gelman was included on Lawdragon’s list of the 500 Leading U.S. Bankruptcy and Restructuring Lawyers. Since 2013, she has been selected by her peers as a Leading Lawyer in Bankruptcy & Workout: Commercial and Creditor’s Rights/Commercial Collections. She has also received an "AV Preeminent" Peer Rating in Martindale-Hubbell.

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, U.S. 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.

Past ELFA speaking events include:

Speaking as a panelist at ELFA's 2020 Webinar: Covid-19's Hidden Costs: Bankruptcy, Repossessions & Challenging Legislation

Speaking as a panelist on the Legal Update panel at ELFA's 2019 Legal Forum

Speaking as a panelist on the Legal Update panel at ELFA's 2018 and 2019 Credit & Collections Conferences

Speaking as a panelist at ELFA's 2017 Equipment Management Conference and Exhibition on the topic of forbearance agreements

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 35 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 and 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 10 years as well as a regular panel speaker at the conference.

Education: University of Illinois Urbana-Champaign.

Stephanie Hasenbos-Case

Chief Human Resources Officer

Thomas Jalics

Chief Market Strategist, Vice President
Fifth Third Bank

Tom Jalics is the Chief Market Strategist at Fifth Third Bank where he is responsible for leading the Investment Management Group's asset allocation process, both strategic and tactical, which informs the management of the ~$29 billion in assets under management (AUM) at the bank. He provides internal and external communication on the economy and the markets, making public speaking and media appearances on behalf of the bank. Additionally, Tom is a discretionary investment portfolio manager focusing on high net worth clients. Prior to his current role, Tom was Director of Asset Allocation at the firm. With over 20 years of industry experience, Tom has been a sought after industry expert and commentator having been quoted in the media including The Wall Street Journal, Bloomberg Business News, The Economist, and Reuters.

Tom has also appeared on television and radio including Bloomberg (Television, Radio, and Business News), CNBC, and CBS Radio Chicago. Tom earned a Bachelor of Arts in Chemistry and Economics from Miami University and an MBA from the University of Chicago. He has earned his Chartered Financial Analyst (CFA) professional designation.

Nicholas Jones

Vice President, Credit & Risk Region North America
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

Senior Manager, Credit and Risk Management
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.

Cecile Latouche

Atalaya Leasing

Cecile Latouche is a Director at Atalaya Leasing. She has over 15 years of leasing experience in originating, structuring and underwriting commercial transactions. Prior to joining Atalaya, Cecile was the Credit Risk Officer for the equipment finance segment at Sterling National Bank, Sumitomo Mitsui Finance and Leasing (SMFL) and Societe Generale Equipment Finance where in her leadership role she was instrumental to the development and growth of the company’s footprint in the US.

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

Chris Maudlin, CLFP is the Chief Credit Officer for Wintrust Specialty Finance, a Division of Beverly Bank & Trust Company, N.A. Prior to joining Wintrust, he was SVP Risk and Analytics for Hanmi Bank and VP Commercial Credit Manager for Banc of California. Chris has more than 15 years’ experience in commercial equipment finance serving in a variety of roles for both independent lessor’s as well as bank owned finance companies. Chris earned his Certified Lease & Finance Professional designation in 2013 and is actively involved in supporting the industry. Chris currently serves on the ELFA Credit & Collections Committee and speaks regularly at conferences around the country.

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 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

President / Founder
Pinnacle Advisory Services

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.

Dana Pace

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

Sarah Palmer

Underwriting and Asset Management Executive
Key Equipment Finance

Sarah Palmer was named Senior Vice President of Credit Underwriting for Key Equipment Finance (KEF) in 2016, overseeing the underwriting activities for KEF’s Bank Channel and Specialty Finance originations. Palmer also oversees the portfolio management activities for the KEF portfolio. Most recently, Palmer began oversight of the Asset Management activities for KEF, including new business support for equipment leases and end of term remarketing events.

Previously, she served as Credit Executive for commercial credit risk across KEF, and Vice President of Credit Operations and Reporting, providing support for the KEF Credit team across all risk disciplines related to underwriting, financial analysis, project management, and data reporting. Palmer began at Key Equipment Finance in 2006 as a Credit Analyst.

Palmer serves on the Credit and Collections Planning Committee for ELFA, and is also a member of the Captive & Vendor Finance Business Council Steering Committee for ELFA.

Palmer earned her bachelor’s degree in finance from the University of Colorado at Denver.

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 for PNC Equipment Finance -- retired

Kevin P. Prykull, CLFP
Retired SVP & Credit Underwriting Executive
PNC Equipment Finance, LLC (PNCEF)

Kevin P. Prykull is a seasoned equipment leasing and finance professional specializing in credit risk management. He has over 42 years of industry experience and worked for PNC Bank for more than 30 years until his recent retirement. At PNCEF he managed all credit underwriting, approval and portfolio functions for PNC Bank’s leasing and equipment financing subsidiaries. He was responsible for the credit and risk activities within the direct segments and specialty businesses like corporate aviation, municipal, alternative energy, structured finance, Canada, and vendor -- including the underwriting and approval of new transactions, portfolio management, and related credit administration matters. PNC’s combined leasing and equipment finance portfolio exceeds $18 billion in assets making the firm the 3rd largest bank leasing company in the country.

His prior work experience includes: an independent finance company (Senstar Capital Corporation), global lease consulting firm (Amenbal, Deane and Associates), a Fortune 500 manufacturer and captive lessor (Joy Manufacturing), and a local regional bank (Equibank). Much of his background is in risk, credit, equipment, leasing, teaching, 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 is an active member of the Equipment Leasing and Finance Association (ELFA). Since 2008, he has served in various roles as chair, member and leader on the association’s Credit and Collections (C&C) Planning Committee and Conference. In addition, Kevin is responsible for the Credit Manager Survey whose results are presented annually at the conference. He was the recipient of the ELFA Distinguished Service Award. The award honors an individual who has made significant contributions to the association and to the equipment finance industry. Kevin is active on the ELFA’s Research Committee and is involved in the annual publication of the Summary of Equipment Finance Activity (SEFA). Kevin has been interviewed and quoted in numerous articles for the ELFA Leasing Today magazine and the Monitor.

Kevin has earned and maintains the Certified Lease and Finance Professional (CLFP) designation offered through the CLFP Foundation. Kevin is on the Executive Committee of the CLFP Board serving as the Immediate Past President. He chairs the Body of Knowledge and Recertification Committees. Further he functions as the Subject Matter Expert (SME) for all credit and risk matters. Kevin teaches at the Academy for Lease and Finance Professionals (ALFP), including the newest “virtual” ones. Kevin is an Adjunct Professor in Finance at Duquesne University. A native of the Pittsburgh, PA area, Kevin resides in Peters Township with his wife Karen. He has three grown children and three grandchildren.

Kevin P. Prykull
506 Harvest View Drive
Venetia, PA 15367

(412) 337-0250

Jennifer Rosenberg

Senior Vice President, Senior Credit Officer
Fifth Third Bank

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.

Kris Snow

Cisco Systems Capital Corporation

Kristine (Kris) A. Snow has more than two decades of commercial leasing and finance experience. In 2009, she joined Cisco Systems Capital Corporation, a wholly owned subsidiary of Cisco Systems, Inc. As President, she leads the company's global captive finance and certified remanufactured equipment businesses. Kris previously served as President of Global Vendor Finance at CIT Group.

Kris is currently serving as the Chairman of the Board at ELFA. During her tenure, Kris has been an active participant serving on the Board of Directors from 2008-2011 and returned to the Board in 2017. In addition to her current position on the Board, she is a member of ELFA's Executive, Nominating and Personnel Committees. Previously, she served as Chair of the Captive and Vendor Finance Business Council Steering Committee. She has also served as a participant in the Equipment Leasing & Finance Foundation's Industry Future Council and a contributor to previous “State of the Equipment Finance Industry” reports.

Outside of ELFA, Kris has been involved in numerous civic and community organizations. She serves on the Gonzaga University Board of Trustees and is Board Member Emeritus for St. Mary's College School of Economics and Business Administration. She was honored by the Computer Reseller News 2019 Women of the Channel list, received the Silicon Valley Business Journal's Women of Influence award, and the YWCA Tribute to Women Award for the Silicon Valley.

Kris holds a Bachelor of Science degree in Mechanical Engineering from Gonzaga University and a Master of Business Administration from St. Mary's College of California.

James St. Clair

Outsourcing Director

James (Jim) K. St. Clair is Director of Outsourcing at De Lage Landen F.S. with 39 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 DLL. 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 2021 ELFA Credit & Collections Management Committee.

Scott Thacker, CPA, CLFP

Chief Executive Officer
Ivory Consulting Corporation

Mr. Thacker is the CEO of Ivory Consulting, the software and consulting company that has helped define the modern equipment finance industry with SuperTRUMP, the proven solution for modeling and pricing equipment leases and loans. Scott is Chair of the Equipment Leasing & Finance Foundation, Chair of ELFA Equality and a member of the ELFA Financial Accounting Committee.

He was previously a member of the ELFA Board of Directors and of the Association’s Operations and Technology Committee for five years, three of them as Chair, as well as the co-director of the Foundation’s Research Committee.

Throughout his more than 30-year international career, Scott has helped transform businesses through product and service innovations, new business initiatives, M&A activities, and financial transactions.

Prior to joining Ivory Consulting, Scott was a partner at Accenture and founding member of the management consulting group focused on providing solutions to the North American equipment leasing and asset finance industry. Previously, he was instrumental in creating Oracle’s now widely used Oracle Lease and Finance Management software application, and with American Airlines, where he was involved in executing aircraft, equipment and real estate leases as well as other financial transactions. Scott was a founding member of both AMR Consulting Group, an affiliate of American Airlines, and AT&T Solutions, a division of AT&T.

Scott received an M.B.A. in Finance from The Wharton School of the University of Pennsylvania and a B.S. in Accounting from the Wake Forest University. He is a CPA and CLFP.

Thomas Ware

Tom Ware Advisory Services, LLC

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.


Who should attend?
Senior Vice Presidents, Vice Presidents, Directors and Managers of credit and collections, Chief Credit and Risk Officers, credit analysts, collection associates, documentation specialists, and service providers to the industry.

What is Credit & Collections Management LIVE!?
Credit & Collections Management LIVE! is an innovative virtual event that will deliver value to the entire ELFA membership. This isn’t just another video conference. We’ll use cutting-edge technology tools to learn—and network—together. We can’t wait to show you our interactive virtual platform featuring unique opportunities you’ve never experienced at an ELFA event. Get ready for top-notch programming, lower registration fees, no hotel and travel costs—all designed to help ELFA members come together as a community to create connections, share insights and prepare for what’s coming next.

When will registration open?
Registration will open in early April.

Will there be an exhibit hall?
Yes. You won’t want to miss our multimedia virtual exhibit hall experience, featuring first-rate solutions for the equipment finance industry. From live presentations to video chats, you’ll discover the latest resources for your business.

Will I be able to network?
Yes. You’ll have multiple opportunities to expand your professional network, engage with other attendees and create lasting connections.

What are the fees to attend and what do they include?
Registration is for the two-day virtual event. The registration fee is:
  • $595 for ELFA Members
  • $795 for Non-members
What are some key benefits?
  • No plane tickets or hotel rooms needed. You can attend from anywhere.
  • Drastically discounted registration fees and expanded content make it easier for you and your employees— representing a wide range of job responsibilities and experience levels—to attend.
  • Expand your professional network with formal and informal virtual networking.
  • Focus on the issues that matter to you through targeted sessions and interactive discussions with experts.
  • Sessions will be recorded and you'll have access to them for a full year. Join us in real-time or watch sessions on-demand.
  • Visit the multimedia exhibit hall to discover solutions for your business.
Are there any registration discounts?
Yes! If your company is an ELFA member and sending 4+ people from your company, please contact Janet Fianko at to register at the bulk rate of $500 for 4 or more people.

Is there a one-day registration price?
Unfortunately no. The registration fee allows for access on both days of the event.

How do I access the virtual platform?
After you register, you will receive an email a week or so prior to the event with your link and passcode to gain access to the virtual conference. ELFA will send a number of emails to attendees of the conference, prior to the event, to ensure you have access.

Who can I contact with questions about this event?
If you have any questions or need assistance, please email:

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.

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