THANH DAO

Phone: 818-***-****

Email: ac9ok0@r.postjobfree.com

Address: **** ********* *****, ***** *****, CA 91343

Objective

Experienced credit and accounts receivable manager seeking a competitive and challenging environment that will lead a long-term career relationship. Possesses more than 20 years combined experience in trade credit operations and accounts receivables (pharmaceutical, food, and produce industry), commercial (entertainment industry) and consumer-based lending (bank industry), as well as information technology. Will bring to the table a skill set that is transferable and relevant to Company’s needs, including substantial and formal managerial experience, strong knowledge in credit/collections development, well-honed problem-solving skills, and superb communication skills.

Summary of Expertise in Performing Complex Financial Analyses of Corporation and Individuals

Experience in Using

GLOBE SAP, JD Edwards, Great Plain, Windows 8, MS Excel 2010, V-Lookups & Pivot Tables, MS Word 2010, DOS, MS PowerPoint 2010, Produce Pro, AS 400, R&R Report Writer, Visual dBase, Lotus Notes, FOCUS, PCI Archival, Tax Analysis, Win FAST, One Point; Monarch, FAMAS Encore, IBM Distrack, and Adhoc

Familiar in Using

MS Access and SQL Server

Detailed Knowledge Of

Financial statements and cash flow analysis; industry/market credit research; liens and bonds; credit-related laws and lien laws that govern the transactional relationship between the Customer and the Company

Interpersonal Skills

Strong communication, proven leadership, ability to quickly adapt to changes, ability to problem-solve, experience in all aspects of customer service, ability to handle effectively multitask, self-motivated, team player, well organized, and detail oriented

Proficient in External Credit Reporting Agencies

Dun & Bradstreet, Experian, TransUnion, Credit Risk Monitor, F&D Reports, ARMS Reports, Sea Fax/Food One Reports, Global Credit Services, Hoovers, Blue Book, Red Book, Moody’s, and S&P

Additional Skills

Automatic Data Processing (ADP), UCC filings, online search of bonds and liens, wire transfers, NSF checks

Professional Experience

MANAGER OF CREDIT / ACCOUNTS RECEIVABLE – THE CHEFS WAREHOUSE, INC. – City of Industry, CA – Oct 16 to Present

●Work with top box customers including [finest restaurants, hotels, bakeries, caterers, and gourmet stores] - Mastro’s Steakhouse, Las Vegas Hotels, Marriott/ Hilton/ Courtyard/ Hyatt Hotels, Porto’s Bakery, Olive & Wine Bar

●Lead team of 8 Collectors/Accounts Receivables Specialists for company’s West Coast Region including Los Angeles, San Francisco, Arizona, Portland & Las Vegas

●Oversee investigation of credit risk in customers and suppliers; advise on course of action for credit applications; review payment terms for approval

●Collaborate with Credit and Collections Director & Regional VPs to design and implement processes to improve cash flow and reduce receivables; monitor and analyze effectiveness of processes

●Responsible for company’s cash collections, reconciliation of accounts and timely resolution of past due accounts

●Monitor receivables and collections; provide updates of receivables; establish appropriate reporting procedures

●Design and implement appropriate metrics to measure department performance

●Manage relations with credit reporting agencies and with company’s Sales Department

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

●Prepare Corporate Financial Reports (Statement of Cash Flow, Working Capital Requirements, Bad Debt Reserve, Budgets, etc.)

MANAGER OF CREDIT / ACCOUNTS RECEIVABLE – ORE-CAL CORP. – Los Angeles, CA – Dec 13 to Jun 16

●Worked with top box customers including Costco, Target, C&S Wholesale, US Foodservice, Performance Food Group, Ben E. Keith, Smart & Final, and Sysco

●Managed team of Credit Analysts and Collector/Accounts Receivables Specialists

●Prepared monthly and quarterly rebate and commission reports

●Maintained bad debt and bad debt recovery records

●Monitored receivables and collections; provided updates of receivables; designed and implemented appropriate reporting procedures

●Identified problem accounts; worked with upper management to provide regular updates of receivables

●Identified accounts requiring collection agency or legal action; coordinated collections with third party contractors

●Resolved invalid or unauthorized deductions by following pending deductions procedures

CREDIT & COLLECTIONS MANAGER – VALLEY FRUIT & PRODUCE CO. – Los Angeles, CA – Jun 10 to Oct 12

●Established business relations with top box customers including US Foodservice, Wal-Mart, and Bargain Foods

●Managed team of Credit Analyst, Collector, and Customer Service Representatives

●Developed processes and procedures for evaluating customer financials and setting and changing credit lines/limits, as well as credit holds; implemented liens as necessary to major delinquent accounts as approved

●Oversaw all accounts forwarded to collection agency; worked closely with attorneys and collection agency; consistently followed up on accounts in collections

LEAD CREDIT / FINANCIAL ANALYST – NESTLE USA, INC. – Glendale, CA – Nov 05 to Jun 10

●Supervised team of 3 Collectors responsible for conducting daily collection activities on delinquent accounts

●Obtained and interpreted financial information on new and existing customers effectively

●Set credit lines within assigned territories with approval authority up to $500k

●Managed all credit application processes from start to finish; established credit terms for new customer accounts; ensured that any necessary documentation was obtained for each credit file

●Worked closely with Sales Representatives to obtain additional credit information to support credit lines requested

●Monitored violations of credit policies; provided analyses, conclusions, and recommendations; presented findings to senior management and suggested appropriate actions/penalties to be taken

ANALYST / ASSISTANT CREDIT MANAGER – CARDINAL HEALTH, INC. – Valencia, CA – Aug 00 to Nov 05

●Supervised team of 3 Creditors

●Managed trade credit portfolios with loan ranging from $350k to $10 million

●Was responsible for portfolio management and new business development in the States of California, Colorado, Nevada, and Arizona

●Solely responsible for trade operational activities including Letters of Credit and Documentary Collection

●Reviewed and analyzed financial statements, corporate/business tax returns, business & personal financial statements; provided income tax analysis for use in new loan approvals and ongoing compliance credit relationships of existing customers

●Conducted lien searches and reviewed UCC filings as needed

CREDIT / INFORMATION SYSTEMS ANALYST – PACIFIC CENTURY BANK N.A. – Encino, CA – Jul 99 to Aug 00

●Directly supported Chief Credit Officer to ensure that the Managements and Board of Directors’ reports were of the highest quality and to verify accuracy of information provided

●Created customized reports for various managers and departments officers

●Conducted quarterly Loss Reserve Adequacy Analyses and quarterly Migration Analyses

●Spread, forecasted, budgeted, and analyzed financial statements and income tax information for use in preparation of loan approval

●Monitored borrowers’ compliance with requirements of documentation covenants; maintained financial ratio covenant tracking

●Prepared loan approval request documents for commercial lending entertainment industry with credit facility ranging from $500k to $10,000,000

Education

COLLEGE EDUCATION - FINANCE

California State University of Northridge (CSUN) – Los Angeles – 1990-1996

HIGH SCHOOL DIPLOMA

References

●Joe DeMartini

Director of AR / Credit & Collections

Cal Portland

626-***-**** - cellular

626-***-****- office

●Kathy Biggs

Controller

Cardinal Health Retiree

661-***-****

●Kristina Lee

Sr. Accountant

City of El Monte – current

Ore-Cal Corp - past

626-***-****

Contact this candidate