Tim has over twenty-five years' experience in the Chicago indirect auto finance market. He began his career as a credit analyst at a small, national non-prime lender. The opportunity presented itself to become a dealer representative. Tim was able to take his knowledge and share/train key decisionmakers at the dealership. His goal was to have dealer finance managers know credit programs so well that they would just send their contracts straight to underwriting.
Tim has always been a worker. He delivered newspapers and detasseled corn to save money for his first car, a 1976 Honda Civic. Tim was very proud of it and the Radio Shack stereo system. The car gave him the ability to get "real" jobs. He worked at the drive-in movie theater the year Ghostbusters came out. "You learn a lot about people late on a Saturday night."
He attended school at Illinois State University and graduated in four years while working full-time at a local grocer, Cub Foods. Tim started there pushing carts, and must have been good at it because they promoted him to cashier and eventually front-end manager. He had 50 associates working in his department and people didn't use credit cards to buy groceries back then.
That job and degree allowed Tim to move to Atlanta, GA for family reasons. He missed the Midwest and thought, "Why am I working at a grocery store with an economics degree?" He moved back to Illinois, and to the big city of Chicago. Tim found one of the most influential jobs in his career in banking, working with a finance company he learned credit/income analysis, collection methods, real estate/mortgage transactions, but mostly people characteristics of when they are lent money. Collection practices had him seek a different, safer opportunity which brought him to auto finance.
The first fifteen years he worked in non-prime and switched to prime (less stip chasing!) and loves it. Throughout the years Tim continued to build relationships. Those porters and salesman back then are now general managers and owners. He really enjoys his job because he sees the clients as friends.
Enough about work, Tim is married to his beautiful wife, Mary, and enjoy their six children. Yes, like the Brady Bunch – three boys and three girls. Tim is also proud to say he is a grandfather. He enjoys golfing, fishing (especially in Canada), biking, traveling, the Cubs and also the best football team in the NFL – the Denver Broncos!