John has extensive experience as a senior executive, particularly in design, development, management and implementation of automated credit-underwriting systems.
Over his career, John managed credit teams and systems underwriting, processing $3B+ in small ticket assets. Since co-founding the SNAP Financial Group in 2006, he has overseen the development of key front-end systems and processes, including the design and management of our automated credit models that have enabled the companies to execute on their origination strategies and provide custom solutions to a broad array of equipment manufacturers and dealers.
Prior, John was the founder and president of Creditwave Corporation – a company that provided outsourced loan, leasing and captive financing programs for major blue chip companies, including charted banks, trusts, global manufacturers and energy vendors. He was responsible for the automated credit underwriting of over $300,000,000 annually in various small ticket assets, including power sports and recreational vehicles. Prior to this role, John was co-founder and president of Bayshore Leasing Corporation, a Canadian national equipment leasing company, and subsidiary of Bayshore Trust. In 1995, Bayshore was the first Canadian finance company to move their entire origination and underwriting processing online, complete with automated credit adjudication models. At the time of their sale, Bayshore was underwriting in excess of $150M per year in small ticket leases and loans.