John L. Garner Sr.

*** ******* ****

Mableton, GA 30126

470-***-**** ac7ocq@r.postjobfree.com

Targeting Finance and Accounting Professional Opportunities

Results driven professional offering a Master in finance. Thirty years of experience directing credit, collections and accounting operations. Skilled in analyzing business processes and capitalizing on financial opportunities to reduce delinquency, improve cash flow and mitigate losses. Highly organized, efficient and skilled in a variety of banking, finance and accounting tasks, including:

Credit Risk Management

Forecasting

Financial Planning

Customer Relationship Management(CRM)

Financial Services and Operations

Credit & Collections

Credit Analysis & Reviews

Negotiations

Credit & Billing Strategy

Bad Debt Recovery

Account Reconciliations

C-Level Executive Experience

PROFESSIONAL EXPERIENCE

6/2016 – Present Argos USA, LLC (Contract) Alpharetta, GA

Credit Analyst for Lien Waivers / Payable Analyst

Review subcontract bids for completeness and carry out buy out process, negotiating the best possible contract with subcontractors and material suppliers

Establish and maintain a working relationship with the client, based on a commitment to industry leading customer service that results in complete customer satisfaction and future project opportunities.

Ensure a strong project closure by proactively determining and executing client’s requirements for completing all required documentation, acquiring all lien waivers and final payments.

Responsible for the processing, reviewing, tracking and maintenance of all payment applications from subcontractors for multiple projects.

Communicate with project managers, vendors, and external parties to manage draw requests/requirements

Proactively identifies cost savings, and/or cash management techniques to increase working capital efficiency

Investigates and resolves problems associated with processing of invoices and purchase orders working with purchasing and receiving departments, as needed

Responsible for daily ACH and Wire batch processing

Assists with monthly status reports, and closing

Reconciles various accounts by identifying errors in posting or omissions and applying appropriate accounting standards

2/2016 – 6/2016 eFolder (Contract) Atlanta, GA

Billing & Collections Analyst (B2B)

Preparing special and often complex reports for advanced client billing requirements

Processing and distributing monthly medical billing cycle materials, including proforma generation and billing reports

Preparing documentation for any invoices that fall outside of standard billing guidelines

Uploading electronic bills to various web sites and provides e-billing support to team members as needed

Maintains medical billing documentation / instructions for special requirements for assigned clients and provides billing back-up as necessary

Posts final invoices to financial system and scans paper bill batch materials for storage

Monitor medical receivables each month while working with internal departments to minimize losses.

Meet with senior managers to resolve systemic deduction problems.

Prepare accounts receivable status reports for departmental use on unresolved balances and for senior management.

Review all Credit memos, clearings and collection actions to ensure that they are done correctly and documentation is complete.

Resolve and complete large and / or sensitive collection actions with customers, sales personnel, and senior managers.

Track collections progress by reviewing daily and weekly reports and taking appropriate action when necessary to improve progress.

6/2013 – 10/2015 Simmons Atlanta, GA

Credit & Collections Manager (B2B)

Create a credit risk management environment of an acceptable quality, in terms of established credit guidelines

Assist in developing sound, acceptable credit policies

Analyze delinquent accounts and prepare report on highest risk accounts including recommendations for resolution

Interact with customers to obtain additional credit information to support credit lines

Reconcile transactions and balances to maintain accurate accounts

Initiate credits and adjustments to customer accounts within company policy limits

Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents

Submit requests to senior management and supporting documentation for accounts requiring credit lines

Research and make decisions on finance charges

Handles Payment Solutions projects requiring information gathering, analysis and coordination

Maintains bad debt and bad debt recovery records

Monitor receivables and collections and provide updates of receivables and provide appropriate reporting procedures

Identify problem accounts and provide regular updates of receivables to management

Negotiates payment programs with delinquent customers

Identify accounts requiring collection agency or legal action and coordinate collections with third party contractors

Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate

Develop processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implement liens as necessary to major delinquent account as approved

Generates legal documents used in the credit function

1/2009 – 1/2012 HONEYWELL Northford, CT

Credit Manager (B2B and Consumer)

Developed relationships with customers to ensure that payments are made within terms of their established guidelines of contracts

Monitored credit exposure to customer/suppliers, including business to business exposure and net accounts receivable/payable exposure

Prepared credit reviews and negotiates the credit terms and credit thresholds with the credit management teams

Assisted in creating and implementing new credit and billing strategies

Provided moderately complex financial information

Developed and maintains relationships with internal and external business partners.

Experience with data analytics, spreadsheet modeling and forecasting techniques as needed

2005 - 2009 Glencore, LTD. Stamford, CT

Credit Manager, Collections, Cash Applications (B2B)

Maintained daily disclosures of credit risk arising from trading commodities (Metals and Oil)

All aspects of credit risk management activities; current exposures, potential future exposures and probabilities of default.

Coordinated and managed projects with departments and stakeholders in a timely fashion

Developed credit analysis and governance initiatives to monitor, identify, and mitigate credit risk exposure across the product life cycle

Experience with data analytics, spreadsheet modeling and forecasting techniques as needed

Analyzed and review outstanding receivables to recover the debt, within the credit terms.

Matched daily ACH payments, checks and lockboxes to correct invoices

Spearheaded company's critical credit/risk analyses that held write-offs to less than 3%, 35% reduction in deductions, and 25% cash flow improvement

Analyzed and assessing credit risk across the retail loan portfolios like Credit Cards.

Knowledge of traditional financial theory

2002 - 2005 Premcor Old Greenwich, CT

Credit Manager (B2B)

Posted receivables on assigned accounts, prepared financial reports, manage month end closings.

Developed new accounts; work with management to meet commitments for new account review process.

Worked with Traders, Sales and Accounting departments to ensure process and controls were met.

Monitored and updated credit policy with credit limits, with low grade crude oils, light and heavy crude oils

Coordinate with pricing and vessel planners to ensure bookings are properly managed and stowed.

Ensure that complete and accurate hazardous documentation accompanies each hazardous booking.

Provide consistent and timely communication to all customers pertaining to all aspects of container movement.

Experience with data analytics, spreadsheet modeling and forecasting techniques as needed

Performed analysis of financial studies and prepares summary reports for management

Coordinated and managed projects with departments and stakeholders in a timely fashion

Evaluated credit applications, managed overall credit exposure, and made recommendations to management

with respect to borrowers/industries designated by Group Head

1997 - 2001 Partminer Inc.

Credit & Collections Manager New York, NY

Managed a team of 10 credit and collections personnel.

Adhered to the policies and procedures, which are outlined within Partminer, Inc.guidelines

Developed estimates for bad debt reserves for month end closings.

Assisted company’s attorney’s with Bankruptcy and the International Association of Commercial Collectors (IACC)

Processed credit applications, including credit limits and terms for new accounts and generating Dun & Bradstreet reports where necessary.

Actively involved in the collections of delinquent accounts for various locations.

Improved receivable turnover through efficient collection follow-up, while maintaining and promoting favorable customer relations.

Analyzed paying practices of customers and recommends action on delinquent accounts.

Reviewed and approved sales order releases daily. Reviewed historical studies of customers by compiling and analyzing payment history

1991 – 1997 Transworld Systems Inc.

Credit & Collections Manager Westchester, NY

Decreased company's DSO from 60-90 days to 30 days by developing and implementing improved collection processes.

Knowledge of finance, statistics, economics and consumer credit.

Managed the day-to-day accounting and finance functions and lead the monthly/quarterly closes.

Managed a team of 25 credit and collections personnel.

Reviewed daily reports of credit risk and exposures, along with various credit reviews on new and old accounts.

Trained, or assist with change management efforts to develop a clear credit philosophy with other business partners.

1997-2012 Robert Half Finance & Accounting, Accountemps, The McIntyre Group, Manpower, Executive Search Taft Associates Connecticut, New York

Various Consultant / Temporary Positions in Financial Accounting Credit Analyst – Credit & Collections

Bristol-Meyers Squib – Financial Accounting-Credit Analysis

Uniscribe Professional Services, Inc. – Accounts Receivable, Credit & Collections, Cash Forecast Manager

NEOPOST, USA - Leasing Collector

Focus Vision - Credit & Collections Analyst

American & New York Stock Exchange – Credit Analyst

EDUCATION

Virginia Commonwealth University, Richmond, VA

M.B.A.-Finance, B.S-Foreign Policy

OTHER TRAINING

U.S. Navy –Radioman-RM2

Dun & Bradstreet Site Review

Leadership & Supervision

Interview Panelist

National Association of Credit Management

Critical Analysis

Interpersonal Relations

Athletic coach for football, basketball & track

COMPUTER SKILLS

MS Word, Excel, PowerPoint, Access & Outlook, QlikView, OBIEE

Lawson, SAP, SAS, Oracle, Hyperion, MAS 90, 100, 500, Great Plains, J.D. Edwards, Crystal Reports, OHM

Windows - XP/Vista/7, NetSuite, Zuora, Pivot Tables, V-Look ups

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