Chris Enbom was born and raised in the North West. He spent most of his childhood in Corvallis, Oregon. He decided he wanted a bigger city university experience. He attended UC Berkeley and received a degree in Political Economy (political science and economics). He took six months off and worked for a Senator in D.C, and spent a semester in France, however, ultimately decided to learn Japanese and more financial skills so he ended up in Tokyo working for a leasing company in the late 1980s. Japan was booming, and he sold Japanese aircraft leases to investors in Japan and helped airlines and railroads finance equipment all over the world. He met his wife Margot in Japan (she is from Alberta, Canada) and they eventually moved back to San Francisco where he continued to do structured big ticket equipment finance for Bank of America and then the Canadian Imperial Bank of Commerce (CIBC). When he had his first child he decided he needed a new job with less international travel, so he quit and started Allegiant with a phone and an office. He is proud it has grown from a one-person operation to a substantial company. Tokyo Century (USA) Inc., a wholly-owned subsidiary of Tokyo Century Corporation, has appointed Chris Enbom, CLFP as Chief Executive Officer as of April 1, 2021. He is currently CEO of AP Equipment Financing, which was acquired by Tokyo Century (USA) in late 2019.

David Van Zyl oversees marketing, business development, credit and operations for the Global Vendor segment. He is responsible for expanding this segment from traditionally supporting Japanese credits in North America to servicing captive finance organizations, vendors and bank partners around the world. Dave has 19 years of experience in commercial finance and leasing with leadership roles in managing new business originations, credit and operations, vendor/ dealer relations and portfolio management. Prior to TCUSA, he was AVP and Manager of Hitachi Capital America’s wholesale finance business. He holds a B.S. degree in Finance from Bryant University, Smithfield, RI and is an active member of ELFA and Material Handling Equipment Distribution Association (MHEDA)

Adam Ramirez is charged with overseeing the credit and risk operations for TCUSA. In particular, he oversees a team of analysts underwriting credit decisions for Isuzu Finance of America, Inc. He has 21 years of both in the US and Mexico experience in commercial vehicle financing and leasing, and has been with the company for last 9 years. His initial focus was establishing and growing the IFAI business portfolio. Adam completed the management training program with a major NY bank, has 3 years of corporate bank experience in Australia and 4 years managing the turn-around of a captive finance company based in Mexico. Adam holds a B.A. degree from Harvard University and is a graduate of the Advanced Management College at Stanford University.