Michael J. Johnson

*** **** ** **, **** **** _ Atlanta, GA 30363 _ 216-***-**** (c) _ jdxdyu@r.postjobfree.com

Credit Operations| Financial Analysis| Portfolio Management

Risk/Loss Management Client Relationships | Account Management

Cross-Selling | New Business Development

Highly skilled in judging and deciding credit solutions, developing high-levels of revenue growth, and facilitating effective financial management strategies to increase portfolio value.

Exceptional knowledge of financial analysis that includes the ability to assess historical financial performance, cash flow, industry and competitive analysis and projections.

Proven ability to effectively handle multi-task levels of management responsibility with minimal direction from superiors while supervising personnel, providing team leadership, motivation, and development.

Expert skills in Microsoft Office Suite, SAP, PeopleSoft, Ceridian, Internet, SQL, SAS, and GetPaid.

Solid communication, interpersonal, time management, analytical, organizational, and leadership skills.

License: SERIES 6 and SERIES 63 (GA)

Professional Experience

Littler Mendelson P.C, Atlanta, GA January 2012 – current

Littler Mendelson, P.C. is one of the largest U.S. based law firms exclusively devoted to representing management in every aspect of labor and employment law.

Immigration Paralegal

Collaborate with a team of immigration lawyers to prepare and manage visa caseloads, including H-1B, L-1, O-1, E, TN, and permanent residence matters, including employment-based (both labor certification and EB1) and family-based and international/outbound visas.

Draft applications, petitions, letters and affidavits; coordinate filing of applications and petitions, translation of foreign documents and equivalency evaluations of foreign degrees.

Research availability of foreign documents and immigrant and non-immigrant visa alternatives.

Analyze case facts, draft correspondence, maintain and organize client documentation.

Perform all necessary functions and actions to obtain Immigration or State Department approval.

U.S. Department of labor, Atlanta, GA March 2009 – November 2011

The U.S. Department of Labor fosters, promotes, and develops the welfare of the wage earners, job seekers, and retirees of the United States.

Immigration Program Analyst II

Adjudicated applications for Permanent Employment Certification (ETA Form 9089) in accordance with applicable laws, regulations, standard operating procedures, and directives issued from the National Office of Foreign Labor Certification (NOFLC).

Evaluated the employer’s stated job requirements and recruitment undertaken to determine if application could be certified.

Assisted in the development, coordination and implementation of a comprehensive foreign labor

certification program.

Acted as a coach and mentor cross-functionally.

Prepared letters and other correspondences related to the adjudications and requests for information.

Assisted with the execution of any OFLC authorized investigative/enforcement/review policies, practices, methodologies and techniques concerning program violations by employers, agents, and attorneys.

Provided system and management analysis of the PERM program as well as provided useful information in making decisions on the administrative and programmatic aspects of the program.

Assisted with the development and promulgating rules, regulations, and procedures for employment and training programs.

navistar financial corporation, Chicago, IL February 2007 – March 2009

Navistar Financial has been a leader in transportation financing for over 50 years. Navistar Financial provides integrated and best-in-class transportation solutions.

Senior Commercial Credit Analyst

Analyzed Dun & Bradstreet, Paynet and Paydex reports of Wholesale and Retail customers.

Provided support to examiners regarding assessment of risk of commercial loans, different types of commercial lending activities, including proper credit structuring, analysis of cash flow, collateral evaluation, documentation and credit review.

Provided support for the establishment of watch list loans and evaluated the workout strategy being implemented by the financial institution.

Supervised over-field sales team within my designated region, which consisted of GA, AL, FL, ME, and MA.

Underwrote loans to fit into defined risk categories.

Tracked and monitored data with the use of SAS software.

Reviewed credit data to determine rating, approval or denials.

Provided expertise to staff on credit risk management, including best practices in underwriting, documentation requirements, credit administration, portfolio analyses, monitoring and problem loan resolution techniques to aide examiners in their assessment of the credit management performance.

Structured credit and recommended decisions on loans up to $1MM.

Prepared detailed reports/analysis on loan and lease portfolios including risks, losses, impairment and the adequacy of reserves for loan losses.

Prepared analysis for Credit Director for deals which involve high levels or complex financial parameters.

Posted production reviews and follow-ups.

wells fargo finanical, Atlanta, GA January 2006 – February 2007

Wells Fargo Financial has provided millions of customers with lending solutions through its network of consumer finance stores for over 100 years with more than 6,300 retail banking and 2,200 home mortgages stores nationwide.

Credit Analyst

Reviewed procedures in credit, e.g. established credit ratings; maintained credit information; updated account information; and monitored credit to reduce business risk in credit processes and procedure.

Prepared analysis for Credit Director for deals which involve high levels or complex financial parameters.

Reviewed and analyzed credit applications for autos, mortgages as well as lines of credit.

Stayed informed about the legal, compliance and market-risk-related issues involved in the approval of credit.

Underwrote loans to fit into defined risk categories.

Analyzed financial information, such as statements, management accounts and cash flow statements.

Reviewed credit data to determine rating, approval or denial.

Provided quality service to internal customers through undertaking risk assessment analysis of various types of lending proposals.

Reviewed financial statements for small business loans.

novastar financial, Cleveland, OH March 2004 – December 2005

NovaStar Financial and its subsidiaries hold certain nonconforming residential mortgage securities. NovaStar Financial is the third largest subprime mortgage lender in the country.

Credit Analyst

Reviewed and analyzed the credit of brokers and customers to make credit decisions for Novastar Financial.

Developed and maintained current and potential relationships with mortgage brokers.

Serviced loans for national brokerage firms for prime and sub-prime lending resulting in $2M of monthly volume.

Maintained active portfolios of various lenders and brokers.

Managed account activity through streamlining least profitable brokers allowing for more focus on top brokers.

Constructed loan packages for closing department.

Prepared analysis for Operational Director for deals which involve high levels or complex financial parameters.

Marketed interest rates and products such as credit reports and various lending programs to brokers.

nco financial, Pama, OH May 2001 – March 2004

NCO Financial is an industry leader in providing clients with successful business process outsourcing solutions. NCO operates a global network of over 100 operations centers.

Credit/Collections Manager

Monitored productivity of collections process through analysis of production reports using various consumer lending software systems.

Reviewed and analyzed credit of customers and vendors.

Collected outstanding debts for first party, third party, and post charge off accounts for fortune 500 companies.

Recruited, trained, and managed a team of 15 call center representatives in the collections department.

Reviewed and analyzed credit of customers and vendors.

Developed and maintained current and potential relationships with mortgage brokers.

Education

bachelors of Science, Finance 2003

Cleveland State University Cleveland, OH

Leadership

Iota Phi Theta Fraternity, Inc. – Chapter President (2001 - 2003), Chapter Treasurer (2001)

College of Business – President (2002 - 2003)

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