FINANCIAL/CREDIT ANALYST

Credit and Risk Management Professional, with recognized success in financial analysis, international business, global and customer credit issues and bank products within the private sector.

Career highlights include:

●Refined weekly/monthly reporting process to update senior management on risk, exposure and profitability. Prepared on-going reports to provide snapshot of company’s financial picture to senior management.

●Designed/Implemented domestic and international processes to improve efficiency of revenue collection for multi-billion dollar company.

●Initiated solutions with Sales, Customer Service and Management to resolve customer issues quickly and accurately. Implemented solutions with more than 95% success satisfying customer concerns.

Competencies:

●Financial Analysis, Credit Analysis, SAP software, PeopleSoft (Oracle), Brainworks, Ad Perks, AS400, Dun & Bradstreet (D&B), ISO Certified Internal Auditor, Vendor Vetting and Risk Assessment, International experience, Cultural Sensitivity

PROFESSIONAL EXPERIENCE

Steinman Communications, Lancaster, PA

Dec 2017 - present

CREDIT MANAGER

●Managed monthly advertising receivables of $6,000,000 at greater than 90% current for various publications

●Created/Updated organization’s credit and collection policy and procedures to determine how accounts would be maintained and how on-going issues would be handled.

●Research, investigate, and analyze credit for new and existing customers using financial data, credit references, D & B, Equifax and Credit Safe.

●Contact customers concerning outstanding receivables; offered solutions and resolved issues.

●Financial liaison among Sales, Customer Service and Management to quickly resolve issues.

●Prepared Ad-hoc reporting for Senior Management using queries to extract and analyze data

oReconciled Accounts Receivable, cash receipts, G/L entries, and bank accounts.

Highmark Health, Camp Hill, PA

Feb 2016 - Dec 2017

FINANCIAL ANALYST

●Allocate Enterprise expenses to appropriate business segments/cost centers and products to support informed decision making, as well as adhering to CAS (Cost Accounting Standards) and FAR (Federal Acquisition Regulations).

●Create and maintain allocation rules to ensure expenses are allocated appropriately.

●Reconcile and prepare journal entries for month and year end closing.

●Prepare monthly Fringe Benefits reports and journal entries.

●Annually update Pool and Cost Center Docs to ensure established criteria are relevant. Communicate with cost center managers to obtain up-to-date information.

●Calculated and enter Ad-hoc reporting for Senior Management using queries to extract and analyze data

The Hershey Company, Hershey, PA 2006- 2015

CREDIT ANALYST

●Managed monthly receivables of $55,000,000 at greater than 90% current, Domestic and International.

●Research, investigate, and analyze credit for new and existing customers using financial data, credit references, D & B, and Equifax.

●Traveled internationally to monitor revenue collection processes.

●Contacted customers concerning outstanding receivables; offered solutions and resolved issues.

●Team leader/trainer of new employees at International Shared Service Center.

●Financial liaison among Sales, Customer Service and Management to quickly resolve issues.

World Kitchen Inc, Greencastle, PA

CREDIT/FINANCIAL ANALYST 2000- 2006

●Provided the following weekly/monthly financial and risk reports to Senior Management:

Month-end borrowing base and roll forward report. US and Canadian A/R and Channel Dashboards, detailing monetary conversion between Canadian and US monies.

●Researched, investigated, and analyzed credit for new and existing customers employing financial information, credit references, D & B data, and Global Credit Services reports.

●Represent financial and credit interests on Direct Import Process Development Team.

●Managed monthly receivables of $10,000,000 at 90% current, Domestic and International.

●Reviewed Letters of Credit/bank products to ensure company risk objectives were met.

●Verified conversion of foreign currency to US monies to verify correct A/R balance.

●Contact customers to collect outstanding receivables and resolve account issues.

●Interface with Sales, Customer Service and Management to quickly resolve issues.

Trans/Air Manufacturing Corp, York, PA 1999- 2000

ACCOUNTS RECEIVABLE/CREDIT MANAGER

● Managed annual receivables in excess of $20,000,000, Domestic and International.

●Analyzed and established credit for new and existing customers using financial information, credit references and D & B data.

●Created organization’s collection policy and procedures to determine how accounts would be maintained and how on-going issues would be handled.

●Reconciled Accounts Receivable, cash receipts, G/L entries, and bank accounts.

●Contacted customers to collect money and resolve account issues.

●Interfaced with Sales staff, Warranty Department and A/P to quickly resolve issues.

●Assisted in month and year-end closes; performed account analysis.

●ISO 9000 certified internal auditor.

e-Capital Corporation, York, PA 1998- 1999

FINANCIAL ADVISOR

●Advised clients on Mortgages, Insurance, and Investments to achieve their financial objectives.

●Originated mortgages for refinancing as well as 125% debt consolidation.

●Sold and serviced Property/Casualty and Life/Health insurance products as an independent agent for national companies.

●Developed monthly sales goal program and met objectives.

●Achieved excellent communication skill as well as sales techniques.

Citicorp Credit Services, Inc., Hagerstown, MD Summer 1996,1997

INTERN, FINANCE DIVISION

● Team Member of Global Fulfillment Project.

Assisted in development/implementation of first integrated, corporate-wide, monthly reporting vehicle.

Analyzed cross-organizational data to identify commonalities within departments.

Prepared spreadsheets and other financial information for presentation to senior management.

Interfaced with Director-level management and Information Systems to learn ways to streamline project implementation.

●Team Member of IBR (Issued Based Reporting) Deck Project.

Combined and analyzed financial data in order to condense and automate a historically manual process. Assisted in daily/weekly tasks to satisfy department objectives

EDUCATION

Bachelor of Science, Finance, Pennsylvania State University

Contact this candidate