Credit Manager:

Organizations, Certifications and Resource Experience:

** ***** ** ********** ******* in the credit and collection field -Successfully maintained a 250 million accounts receivable-Less than 8% of 15 million over 90 plus days -Recovery rate of 75% on accounts placed for external collection-Bad Debt write offs minimized to 12% -Maintained customer relationships (existing and new) over the years to keep profitability up.-250 million in sales annually reviewing new applicants and evaluating existing credit limits to increase sales. Working relationships with external sales reps and collection attorneys. Client visits with sales to promote company growth to increase share. Discussions with sales on large commercial projects with small clients to help secure company financing and payment terms. Lien releases. Daily order releases. Maintained a portfolio of 200 -300 accounts -Managed and trained a staff of 3 - Team player, organized, multi-tasking, sharpshooter, goal oriented, self-motivated.

Member of the National Association of Credit Managers; Innovative Resources for Payor’s, IRP; Financial Statement Analysis Modeling; Capital IQ data base analysis; Dun & Bradstreet contract review and billing reconciliations; Bankruptcy Filings pre- and post-petition claim analysis; Fact Set, One source, Debt wire; Edgar scan. Factiva; Sarbanes Oxley Compliance; S&P Credit Rating Analysis; AS400 platform dynamics; Microsoft Excel.

Qualifications Summary: A Senior Financial Services executive with proven Credit Management Experience. A solid track record of success in establishing and achieving organizational goals. Consistently produced outstanding financial results and generated incremental revenues. Developed an extensive network of relationships with leading customers nationwide in key sectors including: general industrial, automotive, aerospace, consumer, retail, healthcare, logistics and technology. Proven leadership skills and a history of successfully motivating colleagues to achieve and exceed goals.

Experience:

2016 to present: Wm T Burnett & Co- Baltimore, Maryland.

Credit Manager: Wm. T. Burnett was established in Baltimore as a trading company for cotton linters. It evolved into a manufacturer of cotton batting and felt for the furniture and bedding industries.

Euler Hermes Credit Insurance relationship- past due reporting and insurance coverage.

Annual customer credit reviews based on confidential and external information

Analyze Financial Statements, monitor high risk buyers and solicit proprietary information; conduct credit due diligence via telephone interviews; evaluate local and global industry conditions and trends; develop specific portfolio action to increase or decrease aggregate exposure.

Reviewed delinquent receivables for external placements with collection attorneys; developed procedures for managing bankruptcy proof-of-claim documents; managed working relationships with external sales representatives and collection attorneys.

U.K. Value Added Tax compliance quarterly reporting.

Reporting to various Credit Groups.

Overseeing a team of 5 junior members.

2011 to 2016: JJ Haines – Glen Burnie, Maryland.

Credit Manager: JJ Haines, is a flooring distributor that was founded in 1874 and is headquartered in Glen Burnie, Maryland. Haines is among the oldest privately held companies in America with operations covering the Mid-Atlantic and Southeast. Managed the largest credit portfolio totaling 6 million plus in financing commitments of the company’s 18 million in accounts receivables.

Analyze Financial Statements, monitor high risk buyers and solicit proprietary information; conduct credit due diligence via telephone interviews; evaluate local and global industry conditions and trends; develop specific portfolio action to increase or decrease aggregate exposure.

Review credit approval procedures on all Standard and Substandard Risk accounts, including Unacceptable Risks and resubmitted applications; established Risk Management Credit Hold / Release, Resolve, and credit cancellation reporting; reviewed delinquent receivables for external placements with collection attorneys; developed procedures for managing bankruptcy proof-of-claim documents; managed working relationships with external sales representatives and collection attorneys.

Buyer visits to evaluate dealer and market conditions to minimize risk.

2008 to 2010: Euler Hermes – Owings Mills, Maryland.

Senior Credit Analyst: Euler Hermes, is a global finance company that was founded in 1917 and is headquartered in Paris, France. The company provides financing services, including financing trade receivables; evaluating trade receivable portfolios; and fidelity insurance that covers companies against financial loss caused by fraudulent acts of employees or contractors such as theft, embezzlement or fraud. Euler Hermes S.A. is a subsidiary of Assurances Générales de France S.A.

Manage a credit portfolio totaling $xxx millions in financing commitments to domestic and global customers. Demonstrated success in reducing delinquency and loss experience while growing portfolio and increasing return performance.

Analyze Financial Statements, monitor high risk buyers and solicit proprietary information; conduct credit due diligence visits and telephone interviews; evaluate local and global industry conditions and trends ; develop specific portfolio action to increase or decrease aggregate exposure.

1997 to 2007: I.C. Isaacs & Company – Baltimore, Maryland.

Credit Manager: I.C. Isaacs & Company, Inc. designs and markets branded Jeanswear and sportswear in the United States and Puerto Rico, under the Marithe and Francois Girbaud brand name.

Managed a staff of 3 credit and collection specialists handling a credit portfolio of commercial and retail receivables totaling $15 million with individual credit exposure ranging from five hundred to over a million dollars.

Developed credit approval procedures on all Standard and Substandard Risk accounts, including Unacceptable Risks and resubmitted applications; established Risk Management Credit Hold / Release, Resolve, and credit cancellation reporting; reviewed delinquent receivables for external placements with collection attorneys; developed procedures for managing bankruptcy proof-of-claim documents; managed working relationships with external sales representatives and collection attorneys.

Education

Anne Arundel Community College – Arnold, Maryland

Associate Degree, Business Administration and Accounting

Personal Interests:

Bass Fishing, Saltwater Fishing, Biking, and Fitness

Sponsor for Big Brothers of Maryland

Habitat for Humanity volunteer

Wounded Warriors

Heroes on the Water

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