Equipment Leasing and Finance Association - Equipping Business for Success

Brett Boehm

CEO
TBF Financial, LLC

Beth Ann Bovino

U.S. Chief Economist
Standard & Poor's, A Division Of The McGraw Hill Co.

Beth Ann Bovino is the U.S. Chief Economist at Standard & Poor's Ratings Services, based in New York. In this position, she develops S&P's U.S. economic forecasts and authors the monthly U.S. Economic Forecast, the quarterly U.S. Risks To The Forecast, the weekly Financial Notes and the Weekly Economics Call. Beth Ann has created Industry Drivers reports for analyst research. She is quoted regularly in the press and has appeared on many major television programs. Further, she has written many articles for popular and professional publications.

Before joining Standard & Poor's in February 2004, Beth Ann spent over ten years doing economic and market research with Sungard Institutional Brokerage, UBS Warburg, and the Federal Reserve.

The Wall Street Journal recognized Beth Ann as the most accurate forecaster of the U.S. economy in 2013.

Beth Ann holds a bachelor's degree in Economics from the Wharton School at the University of Pennsylvania, a master's degree in International and Development Economics from Yale University and a Ph.D. in Economics from Columbia University.

Ian Campbell CLFP

SVP of Operations
Asset Compliant Solutions (ACS)

Ian F. Campbell is the Senior Vice President and Director of Operations at Asset Compliant Solutions, where he focuses on enhancing operational efficiencies and expanding service offerings to establish the company as a full-service provider. With over 25 years of experience in the fintech sector, Ian has a proven record of driving growth and delivering innovative solutions tailored to clients' needs.

Before joining Asset Compliant Solutions, Ian held various leadership positions. Most recently he was the Director of Customer Service and Portfolio Management/Loss Mitigation at Channel Partners Capital for the last 6 years. Proceeding that he was a Site Director of Loss Mitigation Operations with Ally Bank, Vice President of Asset Recovery, Risk Management/Compliance at First Community Credit Union, and a Division Manager for United Recovery Services.

Ian holds a Bachelor of Science in Business Administration (Management/Finance) from Columbia Southern University, where he graduated summa cum laude with a 3.97 GPA. He is also a Certified Lease and Finance Professional. As a member of the ELFA Credit and Collections Committee, Ian has contributed to industry-leading panels discussing economic trends, AI automation in operational processes, and navigating challenges in collections, asset management, and legal recoveries. He has facilitated quarterly touchpoints for servicers and financiers to address ongoing economic challenges and sharing the best practices for portfolio management.

In his spare time, Ian enjoys engaging with his community and contributing to initiatives that uplift others, reflecting his belief in the importance of service and connection.

Ford Clark

Equipment Specialist

James Cress

Vice President & General Manager
Flex Financial, Stryker

James is the Vice President and General Manager of Stryker’s captive finance arm, Flex Financial. He joined the company in 2008 and is responsible for delivering financial solutions that make it easier for Stryker’s customers to reach their clinical and financial goals. Previously, James was Senior Vice President and Vendor Business Unit Director for eight years at National City Commercial Capital and he spent several years as a Vice President in Small Business Banking at US Bank.

James has been an active member of ELFA since 2000 and has served as a Director on its board. He is currently serving as Vice Chair and is the current board liaison to the Emerging Talent Advisory Committee. He has previously served as LeasePAC Chair, regularly attends Capitol Connections, and has been a member of the Captive and Vendor Finance Business Council Steering Committee, Women’s Council, and provided ELFA Guest Lectures at Michigan State University.

James holds a bachelor’s degree in economics and a master’s in executive leadership and organizational change from Northern Kentucky University.

Robert Fagan

SVP of Managed Assets
Wintrust Specialty Finance

Andy Fishburn CLFP

Senior Vice President of Public Policy
Equipment Leasing and Finance Association

Daniel Goderis

Director, Portfolio Management
GreatAmerica Financial Services

Christine Holguin

EVP, Head of Credit
CCA Financial, LLC

A senior risk management professional with more than 20 years of experience, Christine Holguin currently serves Executive Vice President, Head of Credit for CCA Financial. In this newly created role, Christine is responsible for decisioning transactions, building a portfolio management function and guiding relationship managers in credit matters. Prior to joining CCA in January 2024 Christine was an Industry Credit Lead and Fifth Third Equipment Finance. Her experiences over the past two decades in a variety of businesses — including aircraft, food and IT equipment — give her the diversity of knowledge and skills needed to oversee her team’s current portfolio, which encompasses all industries.

Prior to joining Fifth Third Bank, Christine served in various financial leadership roles at Fortune 500 companies. She started her career as a credit analyst, working her way to VP roles at Bank of America and GE Capital. Her deep expertise in risk management as well as her proven ability to build and lead strong teams have earned her an array of accolades, including a Fifth Third Spirit of the Pin, a GE Excellence Award and a GE Leadership Award.

A Chicagoland native, Christine earned her bachelor’s degree in accounting from Roosevelt University and is a registered CPA in the state of Illinois. Outside of work, she enjoys spending time with her husband Bob and their two dogs Buster and Dallas and exploring their new hometown of New Braunfels, Texas.

Jackie Kirk

VP Collections & Customer Care
Western Equipment Finance

Scott McCann

Senior Credit Officer
Pinnacle Financial Partners, Inc.

Scott McCann is a Senior Credit Officer with Pinnacle Financial Partners, covering Equipment Finance and Franchise Finance. Scott has served in senior underwriting and portfolio management roles for more than 20 years, primarily 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.

Patrick Moore

Director, Credit Strategy Consulting
Equifax

Patrick Moore has been at Equifax Commercial as Director: 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 involved in industry-wide analysis and the creation and publishing of Equifax's commercial indices.  Prior to Equifax Commercial he had almost ten years’ experience in commercial 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, CFA

SVP, Credit Executive
U.S. Bank

Michael A. “Mic” Mount has been in risk management roles in the equipment finance industry since 2001. He joined U.S. Bank Equipment Finance in Portland, OR in 2012 and is currently Senior Vice President and Credit Executive for mid/large ticket underwriting, portfolio review, and document negotiations.

Prior to transitioning to U.S. Bank, Mic was Senior Vice President and Credit Executive at another large regional financial institution, where his responsibilities included oversight of the credit underwriting process and credit teams located in offices in the U.S., Europe, and APAC.

Mic began his career as a national bank examiner with the Office of the Comptroller of the Currency, then transitioned into a role as a consultant with a nation-wide bank accounting & consulting firm, and then as 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 earned his CLFP designation in 2018. Mic previously served on the University of Colorado Alumni Association’s Board of Directors and as the Association’s Treasurer. In his free time, Mic enjoys time with his family and dog, the outdoors, and is an avid skier and golfer.

Dana Pace

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

Dana M. Pace is the Director of Operations and Asset Management for PNC Equipment Finance, overseeing operations and equipment management. 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. She has more than 25 years of experience in collections, equipment valuation, remarketing, vendor finance operations and portfolio risk management. Her prior work experience includes her start with Information Leasing Corporation (ILC) and through mergers and acquisitions Provident Bank, National City Bank and National City Commercial Capital Corporation.

Currently, by managing both the front-end asset management valuations and the back-end asset management lease end loan operations teams. This allows her to see industry changes both from an equipment perspective and a client perspective, enabling them to stay nimble and react quickly when markets change. As real-time data is often the key to moving the finance and leasing business to the next level, Pace ensures data transparency throughout the transaction lifecycle is the norm for asset management.

Over the last decade as a member of the ELFA Credit & Collections Management Committee, Pace has contributed to conferences and coordinated ELFA Women?s Council events. Featured by the Monitor in 2019 as a top woman in Equipment Finance. She is member of ASA American Society of Appraisers and a PNC Certified Women?s Business Advocate.

Ms. Pace holds a bachelor?s degree out of the College of Education, University of Cincinnati.

Outside of work, Pace is actively involved in global wildlife conservation and fundraising for conservation reserves, as well as local zoo conservation research projects to protect endangered species and habitats. She resides in a suburb of Cincinnati with five dogs and is active in AKC breed and confirmation events.

Sarah Palmer

Head of Credit, AML and Commercial Finance
DLL

Sarah Palmer was named Head of Credit, AML and Commercial Finance for DLL in 2024, overseeing the credit underwriting, partner services and financial economic crime areas for the US. Previously, she served as Senior Vice President, supervising the underwriting, asset management, and portfolio management and compliance activities for Key Equipment Finance. While at KEF, Palmer also 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 serves on the Credit and Collections Planning Committee for ELFA. Palmer earned her bachelor’s degree in finance from the University of Colorado at Denver, and lives with her family in the Denver, Colorado area.

Martina Rider Porter

Partner
Hemar, Rousso & Heald, LLP

Martina Rider Porter is a Partner at the Los Angeles based law firm of Hemar, Rousso & Heald, LLP (“HRH”).

For over twenty-five years, Ms. Rider Porter has gained a reputation in the financial sector as a seasoned commercial litigation attorney with a wealth of experience across multiple banking and finance-related industries including large commercial secured and unsecured loans, creditors' rights, equipment leasing as well as pre and post judgment remedies throughout California. As a Partner at HRH, Martina Rider Porter is the Chair of HRH's Women for Inclusion and Diversity as well as head of its marketing.

Martina Rider Porter is a member of the Equipment Lease and Finance Association (ELFA) and is currently on the Planning Committee and a speaker for the ELFA Credit & Collections Conference. She is also a member and continues to be a speaker for the National Equipment Finance Association (NEFA) and is on the planning committee for the NEFA Finance Summit.

Martina Rider Porter also participates as a mentor in the ELFA Women’s Council, mentoring program, and the planning committee for Equipment Cares Charity in Southern California.

In 2022, MonitorDaily recognized her as one of its Top Women in Equipment Finance.


Hemar, Rousso & Heald, LLP is a full-service, AV- rated California commercial law firm serving clients throughout California for more than forty years. The firm represents the equipment leasing and finance industry, including asset-based lenders, finance and leasing companies, banks and independent finance companies. Hemar, Rousso & Heald, LLP is also a member of the ELFA LEAN Network for California.

James St. Clair

Director of Legal and Loss Recovery
Crossroads Equipment Lease & Finance LLC

With a notable career spanning over four decades in the financial services industry, Jim St. Clair stands as a seasoned Independent Consultant specializing in portfolio management, risk management, and commercial and consumer collections.

St. Clair’s professional experience includes 30 plus years in the equipment leasing and finance industry, including 15 plus years as Director of Outsourcing, at De Lage Landen F.S., where he demonstrated exceptional leadership in managing the company's 3rd party outsourcing partners, including collection agencies, repossession agents, and law firms. He also led a proficient team of Litigation Specialists, showcasing his expertise in special workouts, repossession, and bankruptcy.

Prior to De Lage Landen F. S., Jim spent 16 years at Bank of America Leasing where he held the position of VP Risk Operations. During his tenure, he managed a dedicated team of 40 professionals and oversaw a small to middle-market portfolio of delinquent, workout, litigation, and bankrupt contracts. His portfolio had a combined exposure exceeding $5 billion and encompassed 120,000 lease schedules.

Before his role at Bank of America, Jim honed his skills at the Michigan collection law firm of Douglas Shermetta. His responsibilities included enforcing consumer bankruptcy reaffirmations, post-judgment enforcement, payment negotiations, and collateral recovery, further solidifying his expertise in the field.

Jim has been a member of the ELFA Credit & Collections Management Committee since 2013, where he actively contributes to shaping industry best practices and standards.

With his vast experience and in-depth industry knowledge, Jim offers strategic consulting services tailored to meet the unique needs and challenges of financial institutions.

Jim Tobin

Director Retail Credit, VFS US
Volvo Financial Services

Almost 30 years of captive and banking experience. Currently 17 years with Volvo Financial Services 'VFS" in various roles, including wholesale credit, operations and roles in the Global and Regional offices as well as time in China for VFS. Prior to current role, led the wholesale credit and operations team supporting the US, Canada, Mexico and Brazil portfolios. Currently, the Director of Retail Credit for VFS US operations leading a team of credit professionals originating transactions supporting our dealer network.

Rob Vickery

SVP - Regional Credit Officer
Huntington Bank Equipment Finance

Rob Vickery has served in credit roles within the equipment finance industry for the past 24 years. His current role is as SVP – Regional Credit Officer with credit responsibility for Huntington Bank’s Technology Finance division. Prior to Huntington, Rob held credit roles within both large and small ticket leasing at Macquarie Equipment Finance, TCF Equipment Finance, CIT and Bank of America Global Leasing within the U.S. and U.K. markets.

Rob holds a bachelor’s degree with majors in Business Administration and Political Science from Taylor University (IN). Rob and his family live in the metro Detroit, MI area.

Thomas Ware

President
Tom Ware Advisory Services, LLC

Now an independent analytics, risk, and credit scoring consultant, Tom Ware was for 18 years Senior Vice President of Analytics & Product Development at PayNet, which was acquired by Equifax in 2019. In that role he was responsible for the development of PayNet’s MasterScore and probability of default models, which have been used by hundreds of lenders to help decision millions of commercial loan and lease applications worth over $300 billion. He was also responsible for creating loss forecasting models, peer lender performance benchmarking and Strategic Business Reviews, and for developing a wide variety of research about commercial lending that appeared regularly at ELFA conferences as well as in the Wall Street Journal, American Banker, RMA Journal, Washington Post, Chicago Tribune, Forbes, Crain’s, Bloomberg, Reuters, AP, CNBC, ABC News, Congressional Testimony, and the published papers of two Federal Reserve Governors.

Prior to PayNet, Tom had 17 years’ experience as a lender with banks and finance companies, including as General Manager of a billion-dollar division of J.I. Case/CNH Capital, and as Chief Credit Officer & Senior Vice President, Operations of Rockford Industries, a NASDAQ-traded finance company that was acquired by American Express. Tom began working with commercial credit scoring in the mid-1990s, when he was responsible for bring scoring to a mid-sized bank, and within a few years developed scores that were auto-decisioning 40% of applications under $100,000. Previously he founded Sequa Credit Corporation, later acquired by Hypercom. Tom began his career with a Boston management consulting firm that became the New England office of Oliver Wyman.

Tom is Chairman of the Equipment Leasing & Finance Foundation’s Research Committee, and is a member of the Foundation’s Board of Trustees and its Executive Committee. He is a long-time member of the ELFA’s Credit & Collection’s Committee, and previously served on ELFA’s Small Ticket Business Council, and on the Board of Governors of RMA’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.” The ELFA selected him as the 2021 recipient of the Michael J. Fleming Distinguished Service Award, for contributions to the Association and the industry. Tom graduated with Distinction in Mathematical Economics from Dartmouth College, and has an MBA from Harvard Business School.

Jonathan Watt

Senior Vice President Asset Management
PNC Equipment Finance

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Adam White

Director, Commercial Risk Solutions
Equifax