What advice would you offer to women
just starting out in the industry?
First of all, always keep learning. It
brings you personal satisfaction, and
it will keep you relevant because the
industry is always evolving and changing with technology. It’s easy to find
continuing education through industry
associations – many offer trade shows,
conferences, webinars, and classroom
Also be confident to speak your mind.
Remember that your thoughts are just
as valid as anyone else’s, regardless of
age or gender. Just because the room
is full of more established colleagues
doesn’t mean they are smarter than you.
I feel a lot of women are intimidated by
authority and follow along with the old
rules and standards when maybe they
shouldn’t. It’s okay to ask questions.
What do you know now that you wish you
knew in the beginning of your career?
I wish I knew to be more open-minded
to learn from their experience and act
as a sounding board when there’s a
tough decision to be made. I have been
so fortunate to have a few great bosses
over the years that have shaped both
my knowledge of the industry and how
to build and nurture successful rela-
tionships along the way.
What do you think the industry could
do to attract and retain the best and
the brightest today?
Awareness is a huge issue for attracting people to our industry. I don’t
think there are enough students and
professionals that know our industry
can (and should) be a career choice. It
is not covered in mainstream business
textbooks. It will be our responsibility
as established professionals to mentor
and guide these younger individuals
as they begin their careers. Also, it’s
vitally important to continue engaging these young students/profession-als with our various industry events,
such as those provided by the CFA. The
more exposure we can provide, the
more awareness there will be.
and not so singularly focused on one
career path because opportunities
can lead you in different directions.
Sometimes these directions are a better fit for your skill set that you may
enjoy more. The career path I had set
in my mind when I started college isn’t
even close to where I am today, but I’m
happy with my choices and they are
a better fit for my personality than I
I would also tell my younger self
that I don’t need to be Superwoman
to do a good job. Not only is it okay to
ask for help, but it benefits everyone
in the long run. No need to do it alone.
What kind of role has mentoring and/
or sponsorship played in your career?
Having a mentor is a great opportunity for workers of all ages to learn
and glean insightful information from.
Through the years, I have been able
to observe and seek knowledge from
members of our management teams,
as well as my co-workers. It’s important to keep an open mind because
everyone has something to offer, and
everyone has something to learn.
That’s the great thing about mentors –
they willingly provide the opportunity
Divisional Chief Risk Officer
and Senior Vice President
Hitachi Business Finance
andi Pavliscak serves as divisional chief risk officer and senior vice presi-
dent for Hitachi Business Finance. Candi is responsible for managing
the operations team, overseeing the credit risk of multiple commercial
finance portfolios, managing the service operation for another Hitachi
lending division, and coordinating audit and credit functions with Hita-
chi’s parent company. She has a deep knowledge of credit in both factoring and
Candi has been involved in the commercial lending industry for more than 25 years.
Her experience covers credit underwriting, documentation, compliance, and legal
review for all asset-based lending and factoring transactions. She has worked with
community and commercial banks as well as a law firm and non-traditional asset-based lenders. Candi has spent the last several years developing and managing
the daily credit and administration functions of client relationships for Hitachi Business
Finance. Candi frequently speaks on various small business topics including how small
businesses can improve their collections process and how to gain access to capital.
Candi received her bachelor degree in business administration from Oakland University in 1992.