As Executive Vice President and Chief Credit Officer of Commercial Funding Partners, Terry Lutz brings over 17 years of commercial finance experience and formal bank credit training to oversee the firm’s national underwriting strategy. He ensures disciplined risk management and strong portfolio quality for complex, large-ticket equipment transactions.
Terry Lutz is a veteran equipment finance executive with nearly two decades of experience in commercial credit, underwriting, risk management, and equipment leasing. As Chief Credit Officer of Commercial Funding Partners (CFP), Terry oversees the company's credit facilities, underwriting strategy, transaction approvals, portfolio risk management, and overall credit administration.
His career foundation was built through formal bank credit training, where he developed a disciplined approach to credit analysis, financial statement evaluation, collateral assessment, and risk management. Combining traditional banking principles with 17+ years of experience in equipment leasing and commercial finance, Terry has become known for balancing prudent credit practices with practical business judgment.
Throughout his career, Terry has specialized in evaluating complex equipment finance transactions across manufacturing, transportation, construction, healthcare, agriculture, energy, technology, and other capital-intensive industries. His expertise includes:
As Chief Credit Officer, Terry is responsible for administering CFP's credit facilities and ensuring that the company maintains strong portfolio quality while continuing to support the growth objectives of borrowers, vendors, brokers, and capital partners. His leadership helps CFP successfully evaluate opportunities ranging from traditional equipment acquisitions to complex multi-million-dollar structured transactions.
Colleagues describe Terry as a credit professional who understands that successful transactions require more than simply identifying risk; they require understanding businesses, industries, management teams, and the practical realities that drive growth. His ability to combine analytical rigor with creative problem-solving enables CFP to structure transactions that benefit both customers and funding sources.
Since joining CFP's executive leadership team, Terry has played an important role in strengthening the company's credit platform as it expands its position as a national direct lender and independent lessor. His leadership supports CFP's mission of funding quality transactions while maintaining disciplined underwriting standards and long-term portfolio performance.
