Credit Clarity in a Crowded Market: Technology, Relationships & Risk Management

Portfolio Perspective: Managing Risk & Seizing Opportunity

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.”

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