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Management team: dedicated to successful operations

The Advantage Credit management team drives the company's success through expertise in Technology, Operations Management, Finance, and Marketing. Personal integrity and a hands-on approach are key characteristics of each team member, resulting in high retention rates for colleagues and customers alike. Please meet the management team of Advantage Credit:

Tim Handley, Founder

Sergei Khvatkov, Chief Technical Officer

Anne McCormick, Chief Financial Officer


Tim Handley
Founder, Chairman & CEO

Tim Handley founded Advantage Credit International in 1991, and continues to pursue dramatic growth for the company through his focus on the strategy of offering data-driven information products to targeted markets. He received the Sam Walton Business Leader of the Year award in December 1999 for his business success, colleague-centered philosophy, and substantial donations of time to projects like the Special Olympics.

Handley developed the company's original niche market and designed its automated credit report merging and delivery system. He also duplicated previous successes by developing custom automation for the company's sales force. As Advantage Credit has grown from a one-man shop to its current size of more than 100 team members, Handley's leadership has continued to guide the company to financial success.

Before his entrepreneurial debut, Handley was Automation Director and a top-10 producer for a group of 100 salespeople for Omni Corporation in Los Angeles, CA . He leveraged the sales team's efforts through his automation systems, driving sales from $6 million to $18 million during his five-year tenure.


Sergei M. Khvatkov
Chief Technical Officer

Sergei M. Khvatkov, Chief Technical Officer, brings more than 12 years of experience in creating data driven solutions for business to Advantage. He is the primary developer of Advantage Credit's proprietary software, including its Windows-compatible and web-based mortgage loan processing interface, which has been extremely well-received by the industry as one of the easiest-to-use credit interfaces available.

Khvatkov was trained in computer science in his native Russia. He gained practical experience during two years of military service, and further developed his programming skills by developing resource tracking applications for both industrial and manufacturing entities in Russia.

Part of the Advantage Credit team since 1993, Khvatkov is also a primary investor in the business. A leading expert in development tools, he uses his broad base of knowledge to support technical vendor relationships. A key player in Advantage's strategic migration to the Internet for its products and services, Khvatkov has been instrumental in the company's success and speedy growth.


Anne McCormick
Chief Financial Officer

Anne McCormick , who received her BSBA in Accounting from the University of West Florida , brings a strong managerial and financial experience to the company’s finance department.

Before joining Advantage in 2004, McCormick worked with RailCar, LTD. (RCL), a $20 million railcar and leasing subsidiary of Progress Energy Corporation (PGN), an $8 billion Fortune 500 registered utility holding company. As Assistant Controller her responsibilities included accounting, finance, and portfolio management including fleet database tracking, performance analysis, finance reporting and third party processor coordination.

At Advantage Credit, McCormick is responsible for establishing company-wide financial and administrative objectives, policies, programs, and practices which insure the company of a continuously sound financial structure. She directs budget and cost controls, provides financial analysis and reports and manages the accounting team and its practices. McCormick also controls the flow of cash through the organization and maintains the integrity of funds, securities and other valuable documents.


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