Corporate Governance

Corporate Governance

About - Corporate Governance

Our strong management team has developed and directed the controlled growth of CPS. Our Senior Management has many years of sub-prime auto finance experience in each critical area of the company.

  • Charles E. Bradley Jr.
    Chairman of the Board, President and Chief Executive Officer

    Charles E. Bradley, Jr. has been President and a director since our formation in March 1991, and was elected Chairman of the Board of Directors in July 2001. In January 1992, Mr. Bradley was appointed Chief Executive Officer. From April 1989 to November 1990, he served as Chief Operating Officer of Barnard and Company, a private investment firm. From September 1987 to March 1989, Mr. Bradley, Jr. was an associate of The Harding Group, a private investment banking firm. Mr. Bradley does not currently serve on the board of directors of any other publicly-traded companies.

  • Jeffrey P. Fritz
    Executive Vice President and Chief Financial Officer

    Jeffrey P. Fritz has been Executive Vice President and Chief Financial Officer since March 2014. Prior to that, he was Senior Vice President and Chief Financial Officer since April 2006. He was Senior Vice President of Accounting from August 2004 through March 2006. He served as a consultant to us from May 2004 to August 2004. Previously, he was the Chief Financial Officer of SeaWest Financial Corp. from February 2003 to May 2004, and the Chief Financial Officer of AFCO Auto Finance from April 2002 to February 2003. He practiced public accounting with Glenn M. Gelman & Associates from March 2001 to April 2002 and was Chief Financial Officer of Credit Services Group, Inc. from May 1999 to November 2000. He previously served as our Chief Financial Officer from our inception through May 1999.

  • Michael T. Lavin
    Executive Vice President and Chief Legal Officer

    Michael T. Lavin has been Executive Vice President - Chief Legal Officer since March 2014. Prior to that, he was our Senior Vice President – General Counsel since March 2013, Senior Vice President and Corporate Counsel since May 2009 and our Vice President- Legal since joining the Company in November of 2001. Mr. Lavin was previously engaged as a law clerk and an associate with the San Diego based large law firm (now defunct) of Edwards, Sooy & Byron from 1996 through 2000 and then as an associate with the Orange County based firm of Trachtman & Trachman from 2000 through 2001. Mr. Lavin also clerked for the San Diego District Attorney’s office and Orange County Public Defender’s office. He was nominated for the Orange County General Counsel of the year and the "Top 40 under 40" business executives.

  • Mark A. Creatura
    Senior Vice President and General Counsel

    Mark A. Creatura has been Senior Vice President and General Counsel since October 1996. From October 1993 through October 1996, he was Vice President and General Counsel at Urethane Technologies, Inc., a polyurethane chemicals formulator. Mr. Creatura was previously engaged in the private practice of law with the Los Angeles law firm of Troy & Gould Professional Corporation, from October 1985 through October 1993.

  • Laurie A. Straten
    Senior Vice President - Servicing

    Laurie Straten has been Senior Vice President of Collections since August 2013. Prior to transitioning to Collections, she was promoted to Senior Vice President of Asset Recovery in April 2013. Prior to that she held the position of Vice President - Asset Recovery beginning in April 2005. Ms. Straten started with the Company in March 1996 as a Bankruptcy Specialist and over time accepted more responsibility within the Asset Recovery Department. Prior to joining Consumer Portfolio Services, Ms. Straten worked for the FDIC and served in the United States Marine Corps.

  • Teri L. Robinson
    Senior Vice President - Sales

    Teri L. Robinson has been Senior Vice President of Originations since April 2007. Prior to that, she held the position of Vice President of Originations since August 1998. She joined the Company in June 1991 as an Operations Specialist. Previously, Ms. Robinson held an administrative position at Greco & Associates.

  • Christopher Terry
    Senior Vice President - Systems, Risk and IT

    Christopher Terry has been Senior Vice President of Risk Management since May 2017, and Senior Vice President of Risk Management, Systems and IT since October 2018 . Prior to that he was our Senior Vice President of Servicing from May 2005 to August 2013. He was Senior Vice President of Asset Recovery from August 2013 to May 2017 and from January 2003 to May 2005. He joined us in January 1995 as a loan officer, held a series of successively more responsible positions, and was promoted to Vice President - Asset Recovery in June 1999. Mr. Terry was previously a branch manager with Norwest Financial from 1990 to October 1994.

  • John P. Harton
    Senior Vice President - Program Development

    John P. Harton has been Senior Vice President – Program Development since March 2019. Prior to that, he held the position of Senior Vice President – Marketing since April 2014. He joined the Company in April 1996 as a loan officer, held a series of successively more responsible positions, and was promoted to Vice President - Originations in June 2007. Mr. Harton was previously a branch manager with American General Finance from 1990 to March 1996.

  • Danny Bharwani
    Senior Vice President - Accounting

    Danny Bharwani, has been Senior Vice President – Accounting since April 2016. Previously, he was our Vice President – Accounting from June 2002. He joined us as Assistant Controller in August 1997. Mr. Bharwani was previously employed as Assistant Controller at The Todd-AO Corporation, from 1989 to 1997.

  • Curtis K. Powell
    Senior Vice President - Program Development

    Curtis K. Powell, has been Senior Vice President - Special Projects since May 2010. Previously, he held the jobs of Senior Vice President of Originations and Senior Vice President of Marketing from April 1995. He joined us in January 1993 as an Independent Marketing Representative until being appointed Regional Vice President of Marketing for Southern California in November 1994. From June 1985 through January 1993, Mr. Powell was in the retail automobile sales and leasing business.

Board of Directors

  • Charles E. Bradley Jr.
    Chairman of the Board, President and Chief Executive Officer

    Charles E. Bradley, Jr. has been President and a director since our formation in March 1991, and was elected Chairman of the Board of Directors in July 2001. In January 1992, Mr. Bradley was appointed Chief Executive Officer. From April 1989 to November 1990, he served as Chief Operating Officer of Barnard and Company, a private investment firm. From September 1987 to March 1989, Mr. Bradley, Jr. was an associate of The Harding Group, a private investment banking firm. Mr. Bradley does not currently serve on the board of directors of any other publicly-traded companies.

  • Chris Adams
    Director

    Chris Adams has been a director of the Company since August 2007. Mr. Adams has been president and owner of Latrobe Pattern and K Castings Inc., which are firms in the business of fabricating metal parts, since 1982.

  • Bryan Rayhill
    Director

    Brian Rayhill was elected a director of the Company in August 2006. Mr. Rayhill is a practicing attorney in New York State.

  • William B. Roberts
    Director

    William B. Roberts has been a director of the Company since its formation in March 1991. Since 1981, he's been the President of Monmouth Capital Corp., an investment firm which specializes in management buyouts.

  • Gregory S. Washer
    Director

    Gregory S. Washer was elected a director of the Company in June 2007. Mr. Washer has been president of Clean Fun Promotional Marketing LLC, a promotional marketing company, since its founding in 1986.

  • Daniel S. Wood
    Director - President and Chief Executive Officer of CTP Carrera

    Daniel S. Wood has been a director of the Company since July 2001. Mr. Wood was President of Carclo Technical Plastics, a manufacturer of custom injection moldings, from September 2000 until his retirement in April 2007. Previously, from 1988 to September 2000, he was the Chief Operating Officer and co-owner of the Carrera Corporation. 

Committee Charters

Title Documents

Audit Committee

Compensation and Stock Option Committee

Nominating Committee

Board of Directors Policies and Procedures

Contact the Board of Directors

Write to CPS’s Board:
Board of Directors
c/o Corporate Secretary of Consumer Portfolio Services, Inc.
3800 Howard Hughes Pkwy
Suite 1400
Las Vegas, NV 89169