JOHN BRITTAIN OWEN
Fort Payne, AL 35967
SUMMARY
Innovative and accomplished professional with extensive expertise in credit
and collections management, credit analysis and planning, and the skills to drive
business growth, capitalize on new revenue potential, and manage all aspects of
daily business operations. Expertise in inter-department communication,
outstanding customer service, and client relations. Area strengths include needs
assessment, marketing, financial management, administration, staff training,
supervision, motivation and mentoring. Quick study, with an ability to easily
grasp and put into application new ideas, concepts, methods and technologies.
Dedicated, innovative and self-motivated team player/builder. Exceptional
leadership, organizational, oral/written communication, interpersonal, analytical,
and problem resolution skills. Thrive in both independent and collaborative work
environments.
EMPLOYMENT
SOUTHEASTERN STONE & STUCCO, LLC, Leeds, AL 2008-
Present
Corporate Credit/Sales Manager
Created regional office from the ground up in the Huntsville, Alabama area by
growing the homebuilder service business.
Meet with customers, regional accounts, and end –user, to define new product
requirements; make efficient sales presentations.
Expand leads and retain network of trade contacts and potential clients to meet
assigned sales targets.
Develop and tract discharge of customer orders, troubleshoot problems faced by
customers and ensure full customer satisfaction.
Field supervisor for all commercial and supervise site work for private residential and
subdivision build out projects.
PLAYCORE, Fort Payne, AL 1994-2008
Corporate Credit Manager
Supervise and manage the credit and accounts receivable functions.
Establish and maintain effective credit standards and policies while uniformly
implementing this company wide.
Communicate, train and supervise these standards, policies and procedures to the
credit department's support staff.
Coordinate interaction between the credit department staff and other departments
such as sales/marketing, accounting, customer service and transportation.
Establish and maintain guidelines and standards for extension of credit and terms of
sale.
Evaluate and investigate all credit applicants for creditworthiness.
Establish and maintain credit limits by weighing our company's exposure to risk
against return, while strictly monitoring each account to ensure no undue risk is
taken.
Establish and maintain all credit files in a consistent manner, which includes a
standardized procedure for recording and retrieval of all account information.
Determine our level of exposure for both current and future purchases and negotiate
additional collateral when and if necessary to maintain our desired comfort level.
Maintain timeliness all security documents.
Examine all security documents (i.e. UCC's, personal guarantee, joint check
agreement, etc.), as part of the credit reevaluation process to determine if the
collateral pledged is sufficient to cover the account's current or anticipated credit
exposure.
Process receivables into cash as quickly as possible, using collection methods that
are cost efficient and that reflects the company's management policy.
Determine why an account is overdue and work with the customer to bring the
account current. An aggressive approach to collection efforts.
Determine whether future shipments should be held until the account is current and
notify the sales representative with respect to this action.
Set collection priorities based upon collection goals established by upper
management while providing them with reports concerning delinquent accounts,
credit holds, and potential bad-debt write-offs.
Determine when to sever the relationship with a customer and place accounts for
collection, file against payment bond surety, file a mechanic's lien or turn the account
over to an attorney to file suit.
SHAW INDUSTRIES, INC. 1991-1994
Assistant Regional Credit Manager
EDUCATION
BS, Finance (Special Honors), Jacksonville State University 1990
Minor - Marketing
Associate Science, Business Administration, NE Alabama State Jr College 1988
ASSOCIATIONS
National Association of Credit Managers
National Eagle Scout Association
COMPUTER SKILLS
Word, AS/400, JD Edwards, Genisis
REFERENCES FURNISHED UPON REQUEST