Sales Manager

Christopher Byrne

Email: *********@********.***

Address: *** ***** ****

City: Longmeadow

State: MA

Zip: 01106

Country: USA

Phone: 413-***-****

Skill Level: Management

Salary Range: $100,000

Willing to Relocate

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

CHRISTOPHER P. BYRNE

460 Bliss Road * Longmeadow, MA 01106

413-***-**** Home * 413-***-**** Cell * *********@********.***

CREDIT / CONTRACTS / RISK / FINANCE / COLLECTION / MANAGER

Departmental Restructuring / Portfolio Management / Bottom-line Improvements

Seasoned and results-driven management professional with in-depth experience in financial analysis, credit, collections, risk rating, financed sales, underwriting, commercial / consumer loans, revolving lines of credit, Dealer Floor Plans, security agreements, UCC laws, liens, bonds, domestic & international letters of credit, and contract & loan review, GAAP, Sarbanes Oxley Act, FDIC Asset Marketing & FDIC Total Asset Pricing Administration (TAPA) Group, and FDIC Watched Asset Reporting (WAR). Offer strong communication and negotiation skills interacting with clients, employees, external resources, and senior management. Talented in reviewing and analyzing credit applications along with in-depth contractual agreements for approval in a manner to build the company's bottom-line while mitigating its risk and maintaining best business practices. Impeccable reputation for engendering core values, honesty, integrity, commitment to proper work ethic, and compliance to governing laws to achieve quality assurance. A proven track record of contributions to significant revenue and profit improvements. Able to meld expert strategic and financial knowledge with strong qualifications in management, credit policies / procedures, and collections techniques. Core Competencies include:

* Credit & Collections Laws (Liens/Bonds)

* Credit Analysis & Risk Evaluation

* Technology Implementation

* Account Investigation & Analysis

* Collection Processes & Procedures

* Payment Negotiation & Settlement * International Credit & Finance

* Team Leadership & Supervision

* Contract Review & Term Negotiations

* Loan Workout & Debt Restructuring

* Portfolio Due Diligence & Management

* Strategic & Tactical Collections

PROFESSIONAL EXPERIENCE

CREDIT (FINANCE) MANAGER 2009 TO DECEMBER 2011

Engineer Services & Products Company

ClearSpan Fabric Structures International, Inc.

Manage a staff of 7 direct individuals of approximately 3,000 active accounts. Guide Senior Management in the set up and implementation of proper underwriting procedures securing internal financing of fabric building structures and green houses ranging from $10K to $2M for direct and in direct accounts to promote sales. This internal portfolio grew to approximately $10M within 18 months. I established partnerships with financial institutions to improve cash flow due to the substantial growth of this portfolio. Review and adjust contracts to insure compliance and limit liabilities. Assist senior management of steps needed to establish Dealers throughout the United States. Monitor the collection activity on all accounts. Established lines of credit, communicate with legal counsel and senior-level management on issues related to financing and documentation. Implementation of proper procedures for filing bond claims, Chapter 11 debt restructuring and legal positioning. Reveal unstable financial conditions on both new and existing accounts. I created and modified credit & finance documentation for all entities (Farmtek, TekSupply, GrowerSupply, ClearSpan, & ClearSpan Fabric Structures International, Inc.) to ensure repayment, perfect security interests, and compliance with consumer protection guidelines. AS400 System.

* Reviewed, re-wrote, and negotiated contracts to limit legal liabilities ensuring profitable sales.

* Implement finance procedures to improve sales, insuring performance without compromising risk.

* Improving cash flow by reviewing and adjusting contractual terms and conditions, reducing liabilities and retention.

COMMERCIAL CREDIT MANAGER 2008 TO 2009

TD Bank, Springfield, MA

Manage and restructured commercial underwriting staff of 15 Commercial Credit Analysts in both Western MA and CT. Oversee and recommends approval of credit judgments that balance profit potential of new and existing customers. The aggregate portfolio approximated $10B. Financial risk evaluation of established credit policies. Recommend veto or alternative structures directly with lenders. Confirms risk ratings independently for a complete array of loan types. Review work and improvement of analysts. In-depth knowledge of commercial credit analysis industry methods. Expert credit analysis skills. Excellent communication skills, both written and verbal, and ability to clearly explain complex analysis.

CORPORATE MANAGER - FINANCE & CREDIT, 2001 to 2008

ATLAS COPCO COMPRESSORS, LLC, Westfield, MA

Manage both domestic and international (4000) (direct & indirect) accounts with staff of 18 improving DSO, cash flow, interest expenditures, and bad debt reserve. Coordinate cash applications, warranty claims, and credits with accounting and sales. Collaborate with sales on new and existing accounts developing enhanced terms to improve sales discussing collection and contractual problems. Communicate with legal counsel (internal and external) and upper management on repayment schedules, bankruptcy matters, and debt restructuring. Negotiate contractual terms and disputes. I re-wrote (both blanket and specific) security agreements perfecting the company's security interest with both Distributors and End Users. I obtained bonds, letters of credit, and insurance documents to provide compliance with contractual terms to insure timely repayment. Provide cash flow forecasting to senior management and staff. Set collection targets/goals. Provide internal and external audit support. Perform presentations to staff and sales divisions to improve communications and performance throughout. Make recommendations to executive business managers and sales representatives on appropriate action to reduce risk, secure repayment, and/or stem losses. Render advise to sister company, Atlas Copco Construction Tools. Consult with the company's internal bank in New Jersey and Sweden to implement secured financing for all of the company's entities in the US and Canada. AS400 System.

Selected contributions:

* Restructured Credit Department and made significant improvements in performance and communication.

* Managing cash flow by reviewing/setting contractual terms/conditions, lowered interest expenses, improved liquidity, reduced outstanding retention, minimizing legal concerns, and dramatic DSO improvement.

* Provided ongoing consulting for financing/leasing of equipment creating domestic and international income streams of $120 million.

* Reviewed, re-wrote, and negotiated pending contracts to limit legal liabilities ensuring profitable sales.

* Updated financial sales procedures to improve performance without compromising risks.

* Wrote and implemented the company's Credit Policy and Procedure Manual.

MANAGER - CREDIT & COLLECTIONS, 1996 to 2001

BRADCO SUPPLY CORP., Springfield, MA

Directed an account base of $6.6 million in monthly sales for five branches located in Massachusetts, Connecticut, Rhode Island, and New York for a national distributor of building materials. Monitored daily purchases in an effort to control exposure levels. Evaluated new and existing credit applications to establish lines of credit and address potential issues. Securing jobs by obtaining bonds or perfecting lien rights. Interfaced with legal counsel and senior management on repayment schedules and legal positioning.

Selected contributions:

* Served as an advisor to branch managers and sales representatives on the necessary requirements for higher risk accounts on large construction projects.

* Instructed branch bookkeepers on how to apply payments to ensure a clean accounts receivable report.

SUPERVISOR - CREDIT & COLLECTIONS, 1995 to 1996

JPS ELASTOMERICS CORP., Holyoke, MA

Oversaw a $20 million portfolio for a market leader & manufacturer in commercial roofing, environmental rubber liners, and extruded polyurethane products. Performed financial analysis of new and existing accounts. Monitored collection activity on all accounts. Established lines of credit for customer accounts. Communicated with legal counsel and senior-level management on issues related to Chapter 11, debt restructuring, legal positioning, and repayment schedules. Revealed unstable financial conditions on both new and existing accounts. Analyzed international accounts by measuring political / economic risks and the company's financial strength to determine the most appropriate terms that would promote sales while keeping risk levels minimal. Selected contributions:

* Spearheaded the setup, analysis, method of payment, and collection process for all international accounts; ensured proper documentation on international letters of credit.

* Developed software to enable more efficient handling of international projects.

* Coordinated the release of products from three geographically dispersed manufacturing facilities with diverse product lines.

SENIOR COMMERCIAL CREDIT ANALYST - COMMERCIAL REAL ESTATE, 1994 to 1995

NORTHEAST SAVINGS BANK, Hartford, CT

Managed an aggregate portfolio consisting of approximately $77.8 million, with individual loans averaging $2.3 million. Oversaw all aspects of analysis and underwriting of new / existing commercial real estate relationships. Trained and managed a team of six. Reviewed legal documents and analyzed corporate / personal financial statements, current / projected property and tenant data, TRW / D&B reports. Selected contributions:

* Identified troubled credits and suggested appropriate actions.

* Prepared Asset Review Forms and Credit Analysis Reports for senior management.

COMMERCIAL REAL ESTATE LENDING OFFICER & CREDIT SPECIALIST,

COMMERCIAL REAL ESTATE, 1993 to 1994

THE EXPERTS, Needham, MA

Recruited by Fleet Bank to complete a 10-month consulting position that consisted of monitoring an exiting $14 million commercial real estate portfolio from the former Heritage Bank to ensure loans were in compliance with the bank's policy and OCC / FDIC regulations, as well as execute the SWAP agreement with the FDIC for any non-compliant loans. Analyzed legal documents, tax records, corporate / personal financial statements, and current / projected property and tenant information. Acquired and reviewed TRW and D&B reports. Conducted site inspections. Collected monies and / or rewrote terms and conditions on maturing loans. Selected contributions:

* Processed loan requests, including review of project feasibility, property, market, and appraisal analysis.

* Uncovered distressed credits and made recommendations for appropriate action.

* Composed and submitted Credit Policy Compliance Reports and Credit Offering Memoranda for senior management.

* Restructured existing relationships to ensure debt service coverage, primary collateral position, and sufficient collateral coverage.

EDUCATIONAL BACKGROUND

WESTFIELD STATE COLLEGE - Westfield, MA

Bachelor of Science in Business Finance

HOLYOKE COMMUNITY COLLEGE - Holyoke, MA

Associate of Science in Computer Technology Programming

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