David Gernhard

Vice President, Credit & Collections

David Gernhard joined TEL in 2020 and is focused on supporting the growth of TEL and its customers through accurate and timely risk assessment and credit management practices.  He works on developing systems and leading teams to understand our customers, identify and manage risks, and support the next generation of transportation entrepreneurs.  

A personal goal to support the creation of long-term enterprise value for TEL and our customers.

Gernhard sees a unique opportunity at TEL to be the stable, reliable, and long-term partner for all TEL stakeholders: customers, employees, credit-investors, equipment manufacturers, and owners. The trucking industry has many risks, but with intentional decisions, multiple perspectives, and prudent management of those risks, TEL will continue its growth as the leading provider of innovative equipment leasing solutions for the industry.  TEL is in it for the long-haul!  

David Gernhard background and personal notes.

Gernhard has extensive experience in risk management across a range of credit strategies.  Prior to joining TEL, he was a Senior Vice President leading a regional credit risk team at FirstBank.  He has also held credit risk positions with Atlantic Capital, FSG Business Credit, and TD Bank.  He earned a B.A. in Economics from Grove City College and holds a graduate certificate in Data Analytics from the University of Tennessee Chattanooga.He is a member of the Equipment Lease Finance Association and is a Certified Lease Finance Professional (CLFP).  Gernhard sits on the Chattanooga advisory board for Wilson Bank & Trust and is a Trustee and Treasurer of Covenant Presbyterian Church.  Gernhard and his family live in Chattanooga and are often sailing Chickamauga Lake on their sloop “Red Three”.