Analyst Management

CHARLES CLAYTON

**** ****** ******

Philadelphia, PA 19152

Home: 215-***-**** *.*.*******@*******.*** Cell: 215-***-****

SUMMARY

A credit and collection professional with extensive experience in analysis, and credit. Noted for the ability of

appraising problems through effective discussion with others. Experienced credit and collection analyst with

strong customer relation skills. Skilled at using D&B reports, financial statements, as well as trade resources

to make good decisions for setting credit limits of prospective commercial customers.

PROFESSIONAL EXPERIENCE

Temple University, Philadelphia, Pa 2012 -

Account Receivable Specialist

Responsible for the day to day management of accounts receivables for externally sponsored awards managed

by Research Accounting Services. Resolve disputes and prepare reconciliation on complex issues. Contact

sponsor regarding outstanding invoices.

CERTAINTEED INC. Valley Forge, Pa 2008 – 2010

Senior Credit and Collection Analyst ( Contract)

Manage the receivables function for commercial accounts and, analyze, appraise and collected problem

accounts. Prepare reconciliation of complex deduction issues for customers and internal clients. Identify

opportunities for organizational process improvements and support organizational knowledge sharing. Reduce

delinquencies to a level that was below the average of the previous two years.

SIEMENS MEDICAL SOLUTIONS, Malvern, PA 2007 –2008

Senior Credit Analyst (Contract)

Provide analytical support and guidance regarding the credit and collection policies and procedures.

Investigate and analyzes complex credit risks and completed credit and collection reports. Research and

negotiate repayment of unearned cash discounts. Interface with other business units to ensure consistency,

compliance of procedures. Resolve credit problems at complex levels in need of a work out situation and

monitor the collection of past due accounts. Made decision to hold or release customer orders that were

systematically placed on credit hold.

PFIZER, INC., Exton, PA 2001 – 2007

Credit and Collection Analyst

Establish credit limits for new and existing customers. Manage the receivables function. Analyze, appraise

and collect problem veterinary accounts in 16 states. Prepare reconciliation of complex deduction issues for

customers and internal clients. Prepare internal management reports, summarizing status of accounts.

Recommend advanced collection actions. Approve offsets, write-offs and refunds in accordance with Credit

Policy. Handled all veterinary hospital in 16 states and reduced DSO from 110 to 45 . Worked on a credit

scoring system to establish and control customer credit limits. Made decision to hold or release customer

orders that were systematically placed on credit hold

GMAC COMMERICAL MORTGAGE, Horsham, PA 2000 – 2001

Default Management Administrator

Responsible for the successful reduction of charge-off losses. Analyzed and collected commercial mortgage

payments. Determined the reason for default. Worked with borrowers in resolving collection of payments.

Recommended appropriate corrective action. Handled workouts, monitored foreclosures and bankrupt

accounts. Maintained a delinquency ratio that was lower than the past two year average. Worked with HUD to

ensure that credit files were in conformity with federal guidelines.

CGU INSURANCE, Philadelphia, PA 1998 – 1999

Accounting Analyst

Analyzed and edited account statements and agent payments. Collected personal and commercial lines of

earned premiums. Determined effective collection strategies. Personally handle collection of agents with pas

due invoice balances.

ELECTRONIC DATA SYSTEMS, Wayne, PA 1996– 1998

Recovery Analyst

Analyzed, appraised and collected problem commercial and residential mortgages. Tracked and analyzed

credit underwriting strategies; performed follow-up to validate strategies. Analyzed financial statements and

other pertinent information. Provided credit decision, line assignment and scoring criteria.

FIRST FIDELITY BANK, Philadelphia, PA 1990 – 1995

Asset Recovery Officer, Commercial Loan Dept.

Analyzed and appraised problem commercial loans. Worked with outside legal counsel to implement

bank policies and procedures.

Represented bank at sheriff sales, bankruptcies and litigation hearings and maintained follow-up that resulted

in high ratings from internal and federal auditors.

Restructured Banks forbearance agreement to include consent to mortgage foreclosure.

Liquidated companies and held auctions that resulted in banks favor.

EDUCATION / TRAINING

BS, Business Administration, Major: Finance, Husson University, Bangor, ME

Analyzing Financial Statements, American Institute of Banking

AFFILIATION

National Association of Credit Managers

Contact this candidate