Tom Ware
President at Tom Ware Advisory Services, LLC
Cleveland, Tennessee, United States
Summary
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Senior🎓
Top SchoolTom Ware is a seasoned commercial finance and analytics leader with over three decades of hands-on experience transforming credit, operations, and product development for lenders and lessors. He built industry-standard commercial credit scoring (MasterScore v2), led PayNet’s analytics product suite that modeled default and loss at transaction-level granularity, and has guided hundreds of lenders in score implementation and portfolio strategy. Tom combines early-career mathematical modeling and an MBA with executive roles that turned around billion-dollar portfolios, introduced auto-decisioning that cut decision times from hours to minutes, and drove profitable exits for multiple employers. Now as President of Tom Ware Advisory Services he advises on credit scoring, auto-decisioning, pricing, portfolio management and M&A preparation for equipment and alternative lenders. A Trustee and research chair in the equipment finance foundation, he blends academic rigor with practical playbook-building—an uncommon mix that makes data-driven lending both faster and more profitable. Although based in Tennessee, he remains a frequent advisor to institutions across the U.S., bringing proven scale-up and turnaround experience to smaller lenders.
8 years of coding experience
27 years of employment as a software developer
B.A. with Distinction in Mathematical Economics, B.A. with Distinction in Mathematical Economics at Dartmouth CollegeM.B.A., M.B.A. at Harvard Business School
Github Skills (2)
crossword7
tactics5
Programming languages (4)
Github contributions (5)
rampantepsilon/tgsnsite
Aug 2019 - Apr 2023
Contributions:77 pushes, 1 branch in 3 years 7 months
rampantepsilon/TGSN-App
May 2021 - Aug 2022
Contributions:24 releases, 89 pushes, 1 branch in 1 year 2 months
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