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Show Notes:

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.

Guest:

Justin Pavek, Chief Credit Officer, Wallwork Financial

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

Executive 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.”

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