Manager Vice President

GAETANO (TOM) DIBUDUO

** **** ***

MASSAPEQUA, N Y 11758

516-***-****

E-Mail- *********@*********.***

SUMMARY

A creative credit analyst professional, with extensive background in the

factoring community. Excellent leadership, analytical and communication

skills, with a proven ability to maintain high productivity.

. Ability to analyze and reach sound credit decisions regarding the

financial structure of a company.

. A problem solver who can interface with clients, customers and

management.

. Adept at performing independent or in a team environment and have the

ability and experience in providing direction.

SKILLS

Microsoft Word, Excel, Lotus Notes

PROFESSIONAL EXPERIENCE

GMAC Commercial Finance, New York 2008-Present

Senior Credit Officer, Vice President

1994-1996

. Maintained a portfolio of 100 high profile accounts, with exposures of

up to $10 million, including Fortune 500 corporations.

. Prepared and performed underwriting and verbal presentations to credit

committee.

. Performed in-depth analysis of annual reports, 10K's, and other

financial data, including cash flows and projections.

IRON HORSE BICYCLE CO, LLC, Holbrook, New York

2006-2008

Credit Manager

. Managed and maintained a $50 million plus portfolio.

. Instituted and negotiated cost reduction methods, resulting in annual

savings in excess of $85K.

. Responsible for A/R postings, reconciliations, collections and

assignment of invoices.

. Effectively utilize financial data/statements in determining the

credit worthiness of a business.

CIT, New York, New York 2004-

2006

Senior Credit Officer

. Recognized as having an astute ability at conducting in-depth

interviews with Chief Financial Officers.

. Prepared and presented credit committee approvals in assigned

portfolio.

. Established credit lines for a multi million-dollar portfolio.

HSBC BUSINESS CREDIT CORP (USA) INC, New York, New York

1997-2004

(Formerly Republic Factors)

1989-1994

Senior Credit Analyst/Assistant Vice President

. Managed and processed a $100 million plus portfolio of orders for

major retailers.

. Supervised, trained and motivated collection personnel responsible for

my accounts, resulting in minimal write-offs.

CAPITAL FACTORS

1996-1997

Senior Credit Officer

. Established credit lines based on findings of financial conditions of

each company.

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