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Credit Clarity in a Crowded Market: Technology, Relationships & Risk Management
Manage episode 506662574 series 3662353
Andrew Pace and Asset Compliant Solutions에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Andrew Pace and Asset Compliant Solutions 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.
In this episode of Portfolio Perspective: Managing Risk & Seizing Opportunity, Andrew welcomes Justin Pavek, Chief Credit Officer at Wallwork Financial. From his time in the Army to leading credit strategy at a fourth-generation finance company, Justin shares how long-term thinking, technology integration, and relationship-driven lending are helping Wallwork thrive—even in one of the most volatile transportation markets in recent years..
Key Topics Discussed:
- Post-COVID market correction and why many lenders were caught off guard
- Balancing growth with risk during a prolonged transportation downturn
- Wallwork's commitment to customer relationships and direct lending
- Strategic use of Salesforce and Power BI to improve underwriting
- Managing broker relationships and setting expectations upfront
- Early indicators of borrower distress and proactive collection strategies
- Secondary market pressure and valuation challenges in used equipment
- How third-party partnerships, like ACS, support lean internal teams
Notable Takeaways:
“We're in it for the long haul—through the good times and the bad.”
“If a customer misses their grace period, they're getting a phone call. We don’t wait until 30 days past due.”
“There’s value in being an advisor, not just a lender. We help our customers think beyond the deal.”
“With Power BI and Salesforce, we’re looking to make smarter credit decisions based on real data, not guesswork.”
Subscribe to Portfolio Perspective: Managing Risk & Seizing Opportunity for more industry insights and field-tested strategies.
For more information, visit Asset Compliant Solutions.
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