Annette Satterwhite

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

Houston, Texas 77057

832-***-**** Personal Cell

EDUCATION

B.S. of Business Administration, University of Phoenix, September 2007

Fundamentals of Electric Power Industry, 2002

Fundamentals of Energy Futures, Options and Derivatives, 2002

S&P Corporate Credit Risk Analysis, 2001

PROFESSIONAL EXPERIENCE

Tesco Corporation 2006 - 2010

Corporate Credit Manager - Corporate Credit - Accountable for handling

credit department while controlling bad debt, DSO, credit policy, cash

flow, and department costs.

Lowered DSO in downturn market from 63 to 57 for North American Business

Unit.

Oversaw collections activities for all business units in the company.

Supervised activities of two collection analysts for North America.

Processed all credit reviews company wide.

Provided guidance to worldwide business units in collection and credit

activities of $100 million in accounts receivables.

Senior Credit Analyst- Corporate Credit - Handled all credit and

collections transactions on assigned portfolios for the United States and

Canada.

Established communications with counterparties to institute prepayment

terms and reconciled past due accounts.

Responsible for all collections in the North America business unit.

Set up procedures as well as best practices for credit department.

Negotiated with credit challenged customers to set up prepayment terms

and/or provided upfront collateral.

Processed all incoming credit reviews on new accounts.

Duke Energy Corporation 2005 - 2006

Credit Risk Analyst - Managed exposures on assigned portfolios.

Evaluated counterparty financial stability by analyzing financial

statements, rating agency data.

Worked in partnership with legal to facilitate counterparty contracts such

as ISDA, NAESBI and EEI's

Rack customers and executed EFT's as needed for counterparties that

surpassed their credit lines.

Monitored and updated daily and weekly trading reports for management.

Self Employed - Credit Consultant 2003 - 2005

BP North American Credit Consultant - Established BP's margin desk.

Launched reporting systems for margin calls.

Reported collection of collateral to include all cash, Letters of Credit

in excess of 1 billion USD.

Responsible for reporting of the daily cash forecast of the margin

activities.

Managed all incoming Letters of Credit from high risk customers to ensure

credit lines were maintained.

Enforced terms of contracts such ISDA, NAESBI and EEI as they related to

margin calls.

Annette Satterwhite

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Atmos Energy Marketing Contract Position- Credit Consultant

Analyzed financial statements, established lines of credit, and monitored

credit lines.

. Reported Credit Exceptions (lines exceeding established limits, expiry

dates of Letters of Credit) to management on a daily basis.

. Responsible for the collection of all high risk and in arrears customers

company wide.

. Worked in partnership with accounting to track and collect any A/R aging.

. Treasury responsibilities; evaluated daily funds for company operations,

processed all outgoing wires in excess of $120 million on monthly basis.

. Responsible for all LC issuance, payments, amendments for trading arm of

the company.

Calpine Corporation, 2001 - 2003

Credit Analyst - Responsible for the establishment of a new credit

department document system.

. Interfaced with trade floor to represent the credit department.

. Analyzed financial statements, established lines of credit, and

monitored credit lines.

. Set up new margin desk, managed outgoing collateral money of billion

dollars.

. Reported Credit Exceptions (lines exceeding established limits,

expiry dates of Letters of Credit) to management on a daily basis via

Credit Risk Exposure Reports

COMPUTER SKILLS

Microsoft Word, Excel, and Outlook, Lotus Notes, PowerPoint, D&B, Standard

& Poors' Ratings Direct, Moody's, Fitch, Bloomberg, Get Paid, Great Plains

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