Strategic Advisor
Rinaldi Advisory Services

Strategic Credit & Equipment Finance Leader | Chief Credit Officer | Equipment Dealer & Vendor Partner

Tom Mariani is a seasoned financial executive with over 35 years of leadership in credit, underwriting, and equipment finance. He has held senior roles at industry-leading institutions such as First Citizens Bank, CNH Industrial Capital, and Navistar, where he built a reputation for strategic risk management, dealer development, and driving revenue growth while maintaining strong asset quality.

Most recently, Tom served as SVP – Chief Credit Officer at First Citizens Bank, where he led the bank’s equipment finance credit strategy. He ensured disciplined underwriting practices while supporting scalable business growth. His ability to balance risk and opportunity was instrumental in enhancing portfolio performance and strengthening vendor and dealer relationships.

At CNH Industrial Capital, Tom served as Chief Credit Officer, overseeing global credit operations. He led underwriting teams across transportation, agriculture, construction, and technology sectors, implementing credit policies that supported growth and long-term asset performance.

Earlier in his career, Tom was Vice President of Dealer Operations at Navistar, where he managed the financial performance of 23 company-owned dealerships across North America. Under his leadership, the operation was streamlined and ultimately sold. This hands-on experience gave him deep insight into dealer profitability, financial structuring, and operational efficiency.

With a background spanning both banking and captive finance, Tom brings a unique perspective on credit risk, vendor finance, and portfolio management. He is passionate about helping equipment dealers and vendors boost revenue, improve margins, and manage risk effectively.