Customer Service Manager
Resume:
Fredrick J. ReFour
Indianapolis, Indiana 46231
E-mail: ac240b@r.postjobfree.com
317-***-**** (C)
Professional Experience:
Ingram Micro Mobility – Plainfield, Indiana (11/12 – to present)
Sr. Credit Risk Analyst
Provide analytical support to local, regional and executive management regarding the trade credit customer base; while providing accuracy, quality, and timeliness of information for all request greater than $500K.
Ensure compliance with the company’s credit policies; while prioritizing existing and emerging risks of an assigned credit portfolio in excess of $750M.
Analyze the fiscal strength of existing and prospective customers, through detailed review of financial statements (GAAP and IFRS). Evaluate current and future risks based on cash flow analysis; comparing ratios to industry standards and benchmark data; as well as the borrower’s historical trends.
Submit credit recommendations to regional and executive management based on financial analysis, risk analysis and the business opportunity of the customer relationship.
Signature approval for all in house credit facilities up to $1M.
Generate creative options to support credit for high-risk and growth customers.
Develop key relationships with company financial contacts and internal stakeholders. Utilize these relationships to provide long-term portfolio credit quality.
Develop and implement results-oriented initiatives that address global strategic objectives.
First Student Transportation, Inc. – Indianapolis, Indiana (4/08 – 6/12)
Controller
Manage the daily Accounts Receivable (AR) & Accounts Payable (AP) operations for a location with gross revenues in excess of $40MM.
Utilized knowledge of Generally Accepted Accounting Principles (GAAP) to provide financial reporting to the Contract Manager and Regional Finance Officer i.e., revenue forecasting, revenue reconciliation, budget reconciliation, P&L reconciliation, various financial positioning tracking reports and various special projects.
Special projects included: the feasibility study (i.e., logistical and financial analysis), recommendations, and contract negotiations for acquiring a second base location (estimated net cost savings in excess of $375M); managed / coordinated the entire location move and set up.
Fifth Third Bank - Indianapolis, Indiana (3/05 – 4/07)
Business Banking Officer II / Assistant Vice President
Managed the growth, development, and profitability of a $45MM commercial portfolio ($35MM credits / $10MM deposits)
Call on customers with revenues < $15MM, effectively instill confidence and build credibility by proactively communicating with the business owners to ensure a clear understanding of the financial environment concerning their business, their needs, and their financial condition.
Ability to build and maintain effective relationships through strong interpersonal skills with emphasis on relationship-building and consistent demonstration of solid professional judgment.
Adept at communicating and articulating business growth strategies with clients of varied expertise and backgrounds providing the appropriate banking solutions that positively impact the bottom line.
Effectively monitored the exception and past due reports; made recommendations for the following actions or classifications i.e., Watch Lists, Administrative Loan, Non-accrual or Charge-off; Monitor commercial loan portfolio for compliance to policy and watching for any developing trends; Assist/direct in the investigation and work out of problem loans.
Bank of America - St. Louis, Missouri (1/00 - 3/05)
Private Lending Specialist II / Assistant Vice President
Part of a six (6) person team that managed a $1.9B credit portfolio.
Analyze credit risks, mitigants, and exposures for credit request > $1MM (specializing in highly complex credits). Also recommend risk ratings, exposure strategies, credit structures and credit decisions.
Communicated with senior and executive management concerning underlying credit and asset quality risks in review results.
Underwriting task also included: stress testing, pricing models, term sheets, and commitment letters.
Portfolio monitoring included: loan agreement compliance, interim risk rating ratification, term exposure reviews, critical exposure reporting, and margin maintenance reviews; order and evaluate appraisals and environmental studies.
US Bank (formerly Firstar Bank) – Cleveland, Ohio (1/96 – 12/99)
Senior Personal Banking Manager / Loan Officer
Managed the development and growth of the commercial loan portfolio with emphasis on companies with revenues < $10MM.
Effectively created, established, and managed a portfolio of high net worth individuals.
Emphasized strong customer service by meeting with clients face to face to discuss their current financial needs and referring them to the appropriate group (if applicable).
Developed strategies to increase the sales of commercial products of several retail centers.
PNC Bank (formerly National City Bank) – Dayton, Ohio (9/93 – 1/96)
Assistant Branch Manager III / Loan Officer
Made credit decisions based on analysis of personal financial information and credit applications for consumer loan requests.
Participated in the servicing of commercial accounts, i.e., commercial calling on companies with revenues < $3MM, underwriting commercial loan requests.
Managed a staff of fifteen (15) employees. Developed and implemented strategies to promote the growth of the commercial loan portfolio and depository accounts.
Credit Analyst
Successfully completed an intensive nine (9) month Omega based commercial credit training program.
Reviewed and analyzed loan requests, i.e., working capital, commercial real estate, business acquisition, line of credit, and provided detailed recommendations in loan packages.
Determined credit worthiness of potential borrowers through the use of financial ratios, forecasting, trend analyses and industry standard comparisons.
Assisted in customer calls with various lending groups; provided a written analysis and summary for the loan officer.
Management Assistant
Successfully completed an extensive management training program.
Managed a staff of fourteen (14) people in a retail banking center. Also performed consumer lending functions, i.e., installment loans, home equity origination, credit life and accident health insurance sales in numerous branch locations throughout the entire retail system.
Received intensive training in small business commercial lending and installment lending in a high volume retail banking center.
Received additional computer based training, classroom training, and on the job experience; displayed strong sales abilities, customer service orientation and communication skills.
Education
Wright State University, Dayton, Ohio
Bachelor of Arts – Economics/Business Management
Community Involvement & Professional Affiliations
Alpha Phi Alpha Fraternity Incorporated
Bethesda Christian High School, Assistant Varsity Basketball Coach
AAU Basketball Coach
Leadership Missouri Class of 2002
100 Black Men of Metropolitan (Indianapolis & Saint Louis)
Urban League Young Professionals
References available upon request.
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