James A. Carmichael

**** ***** *****, ********, ** 48116

abk4me@r.postjobfree.com

810-***-****

EXPERIENCE:

Wimsatt Building Materials, Inc., Wayne, MI 2007 - 2009

Product Specialist (purchasing)

. Negotiated the purchasing of $2.5MM in products for 6 locations.

. Modified computer system in these product groups to provide a "just in

time" Suggested Purchase Order which increased cash flow by $300M.

. Reduced "Dead Stock" by $250M.

Inventory Control Manager

. Managed a $12MM inventory, spread over 6 locations, with over 16,000

item codes per location.

. Developed and implemented the "Bin Location" inventory control system

that reduced order pull time by 40%.

. Wrote the Bill of Materials order entry system in computer for all

product categories.

Reason for departure: Corporate restructure/downsize.

Lee Wholesale Supply, Inc., New Hudson, MI 2004 - 2006

Credit Manager

. Managed a $2.8MM unsecured portfolio of over 1,300 accounts.

. Improved the average days aging from over 50% over 90+ days to 80% 30

days or less.

. Reduced bad debt write off from over $3MM to less than $500K 1st year

and $200K second year.

. Created the 1st credit policy for the company.

. Brought company into compliance with Construction Lien Laws.

. Worked weekly with Legal Council on accounts in litigation.

Reason for departure: Corporate restructure/downsize.

American Express Business Finance, Downers Grove, IL 2003 - 2004

Great Lakes Region Sales Manager, Brighton, MI

. Managed marketing to all construction dealers in MI, IN, IL, KY, IA,

OH.

. Signed up over 35 dealers in the first 90 days.

. Managed dealer participation in national finance programs for JLG,

SkyTrak, Kobelco, Kawasaki, Hyundai, Bomag, LeeBoy, Gehl, United

Rental, and Hertz Equipment Rental.

. Generated over $20MM in application volume in the 1st 180 days.

Reason for departure: Corporate restructure due to sale to Key Bank.

CNH Global, Racine, WI 2000 - 2003

CNH Capital

Senior Area Credit Manager, Highlands Ranch, CO

. Managed a declining Asset Portfolio from $25MM to $13MM

. Reduced territory dealership wholesale floor-plan past-due receivables

from 5.32% to 0.02%

. Financial analysis and determination of dealership wholesale credit

limits.

Soris Financial

Area Sales Manager, Canton, MI

. Generated $25MM in application volume before the division was

eliminated.

. Trained dealership personnel on the appropriate uses of loans, finance

leasing and tax leasing.

Reason for departure: 30% Division downsize due to economic conditions.

ORIX Credit Alliance, Inc., Downers Grove, IL 1997 -

2000

Region Marketing Manager, Canton, MI

. Created two new manufacturer subsidized finance programs.

. Increased sales at an 80% growth rate over three years.

. Was Awarded the entire State of Michigan as a territory in February

1998.

Reason for departure: Top Management changeover caused a corporate

restructure.

Associates Commercial Corporation, Dallas, TX 1996 - 1997

District Sales Manager, Canton, MI

. Created three new manufacturer subsidized finance programs.

. Generated over $20MM in application volume.

. Redistributed over $10MM in additional application volume to other

divisions.

. Held public auctions on behalf of ACC.

Reason for departure: 100% pay increase offer from ORIX.

NELC/NSLC, Canton, MI 1991 - 1996

Owner

. Began a start-up capital equipment leasing brokerage business.

. Annual sales increased from $500M with 5 underwriters in 1991 to

$2.5MM in sales and 45 available underwriters in 1995.

. Hired, trained and supervised 5 employees.

. Generated a net sales gain and positive ROI on every marketing

campaign.

Reason for departure: Opportunity to work with a national underwriter.

Chrysler Motors Corporation, MHE, Highland Park, MI 1990

Project Specialist and Financial Analyst

. Reduced the average processing time of MHE Container projects from two

weeks to four days.

. Provided a broad based financial analysis for MHE.

. MHE Department & Administrative Budget preparation and variance

analysis.

. Creation and analysis of Lease/Buy decision for CC90 containers for

corporate savings.

Reason for departure: 6000 person corporate downsize.

Dun & Bradstreet, RMS, Troy, MI 1985 - 1988

Receivable Management Consultant

. Sales Person of the Month; March, April, and May 1986

. Winner of the 1987 D&B Customer Focus Award (first ever winner of this

award).

. Field Collector on past due accounts.

Reason for departure: Full-time pursuit of MBA.

GTE - Sprint, Birmingham, MI 1983 - 1985

Sales Representative

. Top Sales Person Award February, March, and April 1983

Senior Sales Representative, Omaha, NE

. Sold out territory trunk capacity 6 months ahead of corporate

expectations.

Reason for departure: Nonpayment of commissions.

EDUCATION:

MBA - Wayne State University, Detroit, MI 1990

BBA - Western Michigan University, Kalamazoo, MI 1983

CERTIFICATIONS:

Notary Public

Contact this candidate