Sales Customer Service

Ryan D. Green

Bayonne, NJ. ***** • 201-***-**** • ************@*****.*** • www.linkedin.com/in/rdgreen1

CREDIT AND ACCOUNTS RECEIVABLE PROFESSIONAL

Highly knowledgeable and skilled Credit and Accounts Receivable professional with comprehensive practical and leadership experience in credit and collection management, financial analysis, risk assessment and customer service. Proven ability to develop, implement, and communicate strategies to streamline workflows and financial process efficiencies through organizational networking and use of technical applications.

PROFESSIONAL EXPERIENCE

Haier America Company, LLC. Wayne, NJ. 2014-2016

Credit Manager

Direct account management for the entire credit portfolio of 3,000 accounts with active credit lines totaling over $300M.

Performed detailed financial analysis as to mitigate risk, maintain the existing portfolio, and to properly vet all new and existing accounts. Maintained a database for all new and increase coverage requests made to our insurers, factor, or inventory financing partners.

High risk or slow paying accounts were transitioned to a secured terms. Declined accounts were managed through letters of credit or cash in advance. Established a new on-boarding policy to expedite the review process for new accounts. Created a credit card process to assist in qualifying marginal accounts for direct business with Haier.

Incorporated a formal Anti-Money Laundering and Know Your Customer procedure to ensure compliance with AML and KYC regulations for the corporate credit policy. Ensured that all account were created using the correct and legal business name as well and to assist with billing issues.

Oversee collections to manage exposure and facilitate order release. Implemented action plans to standardize account terms to 30, 60, and 90 days by product category to ensure proper aging and to reduce DSO. Persistent collection accounts were converted to CIA, floorplan, or letter of credit. Realized an improvement in DSO to approximately 60 days once the slow paying accounts were determined. Haier’s direct point of contact for issues requiring legal intervention.

Conducted ongoing credit, AML and KYC training for all credit and finance staff.

Attended trade and credit group meeting to stay current with industry best practices.

Sony Electronics Inc. Park Ridge, NJ. 1999-2014

Senior Credit / Financial Analyst

Independently managed high and moderate risk account portfolios across multiple business segments for our East, Central and Western financial centers with aggregate sales of $500M without incurring any losses.

Performed detailed financial analysis to substantiate the credit decision in an effort to mitigate credit risk for extended terms projects through our Project Management Office. Individual underwriting authority to $2M for Low and Moderate risk rated account and to $1M for High risk rated accounts. Liaison between Sony, our customer, and De Lage Landen for all lease financing arrangements.

Utilized third party financing to transition marginal or high risk accounts to indirect terms from standard sales terms when deemed applicable.

Managed all facets of the financial services responsibility for the Sony Style web store B2C business portal.

Participated in the collection effort to expedite the timely retirement of outstanding receivables. Department liaison for all external third party debt collection referrals.

Participated in the development, validation testing, and implementation on time and within budget of our new financial software (eCredit).

Participated in the development of the Sales Dashboard tool used to provide Sales Management with a snapshot of the customer’s financial results, payment trend performance, and ability to support increased sales.

Performed validation testing for the corporate system migration to Project Primo, the new A/R and order management system.

Owner for the Financial Services SharePoint web site for all SEL centers. Developed procedures and recommendations for site access for our sister company (Sony United) to share like customer information. Project was delivered on time and below budget.

Ryan D. Green

Bayonne, NJ. 07002 • 201-***-**** • ************@*****.*** • www.linkedin.com/in/ryangreen

EAGLE AFFILIATES, INC., HARRISON, NJ. 1998-1999

Corporate Credit and Collection Manager

Directly responsible for all components of the Credit, Account Receivable, and Cash Application functions.

Initially organized and administered a candidate search to re-staff the department. Managed seven direct reports within the collection and customer service department.

Developed and implemented new adaptable corporate credit policy to foster the sales effort by re-vamping our selling terms from N90 to N30 and N45 days. Reduced and or eliminated direct payment terms as needed to minimize the direct exposure risk to the company. Successfully linked the sales commission payment process with account payment performance to improve cash flow and offset bad debt occurrences.

Negotiated the term extensions for all Standby and Documentary Letters of Credit. Successfully negotiated the full payment of a seven figure delinquent balance for Reading China with no loss incurred.

CALVIN KLEIN, INC., NORTH BERGEN, NJ. 1996-1998

Credit Analyst

Proactive portfolio management for an account portfolio with $35M in YTD sales.

Performed detailed financial analysis for Low to High risk accounts and submitted the recommendation to management. Developed an Excel credit review form to document the data obtained during the credit investigation or review process.

Performed periodic trend analysis to implement alternative credit recommendations as necessary to offset risk. Distributed to sales management as a tool used towards estimating sales projections.

Partnered with the Sales Department in an effort to establish lines that would meet and assist the seasonal sales targets.

Participated in customer visits and all NACM and Meadowlands Credit Group meetings.

LIZ CLAIBORNE, INC., NORTH BERGEN, NJ. 1990-1996

Credit Analyst

Direct portfolio management for the Petite Division.

Liaison between Liz Claiborne Inc. Congress Talcott and Heller Financial, the factor for the petite division. Requested credit line increases to support additional account exposures.

Responsibilities included performing detailed credit analysis, compilation of bank and trade references, and the preparation of a credit evaluation to substantiate a recommendation or denial of credit terms.

Directly contact accounts for advance payments to facilitate the release of pending orders.

Developed the Credit Reference Manual, a tool to expedite the credit investigation process.

Provided training and guidance for newly hired Credit Investigators.

EDUCATION

New Jersey City University, Jersey City, NJ. Business Management

New York University, New York, NY. Accounting and Financial Analysis Courses

New York Institute of Credit Various Accounting and Financial Analysis Courses

SOFTWARE SKILLS

SAP Lexis Nexis MDM

Microsoft Office SharePoint eCredit Financial Software

PROFESSIONAL AFFILIATIONS

NACM Reimer Credit Group Smyyth Trade Group Services

Credit2B Credit Federation of Credit and Professionals

Contact this candidate