Mitsubishi HC Capital America, a non-bank, non-captive finance provider in North America, expanded its commercial finance credit team with the addition of two seasoned credit professionals. Cary Downer joined as vice president, credit, bringing 27 years of industry experience, and Todd Thompson joined as vice president, credit officer, with over 20 years of experience.

“We are very pleased to welcome industry leaders of the caliber of Cary and Todd to our commercial finance credit team as we continue the expansion of our customized and creative financing services,” James Giaimo, senior vice president, chief credit officer, commercial finance at Mitsubishi HC Capital America, said. “Their extensive expertise and proven track records in credit analysis and underwriting will significantly enhance our ability to deliver tailored and innovative financial solutions to our clients.”

Downer brings deep cross-functional expertise in business and credit analysis, lease financing, asset-based lending and syndications. “Joining Mitsubishi HC Capital America represents a remarkable opportunity to be part of a forward-thinking organization,” Downer said. “I am excited to leverage my experience to contribute to the company’s financial solutions and support our clients’ growth objectives.”

With wide-ranging expertise in underwriting and evaluating new business transactions, Thompson will be building out the company’s private credit, enterprise value, structured finance and equipment finance opportunities. “I am honored to join Mitsubishi HC Capital America and work alongside a team that is dedicated to excellence in the commercial finance industry,” Thompson said. “I look forward to contributing to our clients’ success and driving the company’s strategic goals forward.”

“The addition of Cary and Todd to our team underscores our commitment to attracting top talent to better serve our clients’ diverse financial needs,” Brian Rosa, president of commercial finance at Mitsubishi HC Capital America, said. “Their combined experience and expertise will be invaluable as we continue to innovate and grow in the commercial finance sector.”