Rinaldi Advisory Services (RAS), a consulting firm specializing in the equipment lease and finance industry, announced the addition of Tom Mariani as a Strategic Advisor. With over 35 years of leadership experience across banking, captive finance, and dealership operations, Mariani brings a deep well of expertise in credit risk, underwriting, and dealer development to the growing RAS team.

Mariani’s career includes executive roles at First Citizens Bank, CNH Industrial Capital, and Navistar, where he consistently drove profitable growth while implementing strategic credit and risk management frameworks. His unique blend of experience in both financial services and dealership operations allows him to provide clients with real-world insights that drive smarter decision-making and stronger bottom lines.

“I’ve always loved working with dealers, lenders, and vendors to find practical ways to grow their business—without losing sight of smart credit practices,” said Mariani. “Joining the RAS team feels like a natural fit. They get this industry, they know how to move the needle, and they keep it real. I’m excited to roll up my sleeves, share what I know, and be part of something that’s making a real difference.”

RAS President Bob Rinaldi shared his enthusiasm for the new addition:
“Tom brings serious firepower to the table. His most recent gig was as Chief Credit Officer at First Citizens Bank — yes, the $230 billion one. Before that, he held heavyweight roles like Global Chief Credit Officer at CNH Capital and VP of Dealer Operations for all of North America at Navistar. That’s not your everyday résumé. What sets Tom apart is his rare blend of bank-side discipline and down-in-the-trenches dealership experience. Our clients are going to get a ton of value. Plus, he’s just a damn good guy and a lot of fun to work with. We couldn’t be more thrilled to have him join the team of like-minded, best-in-class professionals.”

With Mariani’s addition, RAS continues to strengthen its reputation as the premier advisory firm serving independent lenders, banks, OEMs, and dealer-driven finance organizations across the equipment finance marketplace.