Chet Heughan, AppOne

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Chet Heughan

Director, Indirect Lending

Wolters Kluwer Financial Services



Chet Heughan offers more than 20 years of experience in consumer lending; specializing in automotive and recreational indirect lending & leasing, program management, loan analytics, dealer management and loan servicing.




  • Indirect lending program management
  • Consumer loan origination efficiencies
  • Collateralize consumer origination and loan servicing
  • Dealership network management
  • Indirect loan risk mitigation; credit risk, channel risk and compliance risk
  • Indirect lending workflow and loan origination systems
  • Auto loan analytics; origination metrics, scorecard performance, and loss performance




  • Currently serves as director of AppOne Risk Mitigation Services, a workflow solution to streamline the process between auto dealers and auto indirect lenders. Focus is on minimizing the risk associated with dealer management, loan underwriting, fraud, identity theft, and noncompliance of both lender program guidelines and federal and state motor vehicle lending laws.
  • Responsible for Business Development, Dealer Account Management and Documentation Compliance & Dealer Risk
  • Experience in dealer and lender sales management, indirect lending product management, developing and streamlining workflow processes for indirect loan origination which include loan verification and dealer funding
  • Former VP of Consumer Lending and VP of Dealer Services (national banks and captive lenders)



Education and Certifications

  • Bachelor’s degree, Southeastern Louisiana University



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