Tom Mc Cullough
About Tom Mc Cullough
Tom McCullough serves as a Credit Manager at Exeter Finance in Irving, Texas, where he has worked since 2016. He has extensive experience in credit management, having previously held positions at Citi, Santander Consumer USA, and HSBC.
Work at Exeter Finance
Tom McCullough has served as Credit Manager at Exeter Finance since 2016. In this role, he is responsible for managing a team of 12-16 Credit Officers. His primary focus includes reviewing and making decisions on credit requests that fall outside of established policy guidelines. McCullough plays a significant role in the credit decision-making process, ensuring that the company's standards are upheld while also addressing unique cases.
Previous Experience in Credit Management
Before joining Exeter Finance, Tom McCullough worked at Santander Consumer USA as a Credit Manager from 2010 to 2016. His earlier experience includes a position as a Credit Analyst at Citi from 2006 to 2010. Additionally, he held the role of Operations Manager at HSBC from 2000 to 2005. This diverse background in credit and operations management has equipped him with a comprehensive understanding of the finance industry.
Team Management and Development
In his current position, Tom McCullough is actively involved in team management and employee development. He conducts quarterly and annual performance reviews for his team members and holds individual monthly meetings to discuss performance and future goals. He also plays a key role in developing incentive plans designed to motivate Credit Analysts to make sound and profitable credit decisions.
Education and Expertise
Tom McCullough earned a Bachelor of Business Administration (B.B.A.) in Finance from the University of North Texas, where he studied from 1993 to 1996. His educational background provides a solid foundation for his career in credit management and finance, contributing to his expertise in the field.