Customer Service Manager

John L. Garner Sr.

**** ******* ******** **** ** #226

Atlanta, GA 30319

203-***-**** *************@*****.***

Targeting Banking, Finance and Accounting Professional Opportunities

Results driven professional offering a Master in finance. Twenty plus 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 Credit Analysis & Reviews

• •

Forecasting Negotiations

• •

Financial Planning Credit & Billing Strategy

• •

Customer Relationship Management(CRM) Bad Debt Recovery

• •

Financial Services and Operations Account Reconciliations

• •

Credit & Collections C-Level Executive Experience

PROFESSIONAL EXPERIENCE

06/2013-Present Simmons www.simmons.com

Atlanta, GA

Credit & Collections Manager

• 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

05/2012-08/2012 Focus Vision www.focusvision.com

Stamford, CT

Credit & Collections Analyst

• Approved credit applications, credit limits, and payment terms, in the US and UK.

• Processed billings, traced sources of errors, corrected invoices, reconciled errors and disputes.

• Ensured accuracy of customer balances by investigating disputes, controlling credit, and

collecting balances due.

• Monitored and reconciled accounts receivable records, including claims and overdue invoices.

• Recommended accounts for collection procedures, write-offs and bad debt allowances.

• Reported on the status of credit and collections and other related activities.

• Coordinated credit related project activity.

10/2010-11/2011 HONEYWELL www.honeywelllifesafety.com

Northford, CT

Credit Analyst

• 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

9/09-02/2010 NEOPOST, USA www.neopostinc.com

Milford, CT

Leasing Collector

• Adhered to the policies and procedures, which are outlined within NEOPOST, USA guidelines.

• Assisted lessees in providing the best possible solution to recovery on their leased equipment.

• 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).

10/07-06/08 Glencore, LTD. www.glencore.com

Stamford, CT

Credit Analyst, Collections, Cash Applications

• 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

01/07-05/07 Vivatone Hearing Systems

Shelton, CT

Credit & Collections/Accounts Receivables

• 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.

2004- 2005 Premcor

Old Greenwich, CT

Credit Analyst

• 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 .

• 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

1990-2005 Robert Half Finance & Accounting, Accountemps, The McIntyre Group, Manpower,

Executive Search Taft Associates

Connecticut, New York

Various Consultant 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

Partminer Inc. – Credit & Collections Manager

Transworld Systems Inc. - Credit & Collections Manager

• 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.

Connecticut Luxury Fleet Rentals, LLC. www.ctluxuryrentals.webs.com

Westport, CT

Sole Proprietor, Owner, CEO 2005-2010

• Maintained daily function and operations focusing on customer service in all levels of the

business

from concierges to auto detailers.

• Developed the Tri-States area’s first ultra exotic and luxury auto rental/leasing and ownership

• Club with access to a selection of the finest automobiles at a reduced rental price.

• Developed key alliances with travel agencies, high-line automotive dealers, private jet

companies

• and other related industry partners.

• Prepared and reported financial statements to the Board of Directors, shareholders, and

external auditors

• Prepared and completed financial budgets for the dealership in conjunction with departmental

managers

• Analyzed and interpreted financial information

• Managed and controlled the company’s administration and financial processes

• Managed supplier and customer relationships

EDUCATION

Virginia Commonwealth University, Richmond, VA

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

OTHER TRAINING

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U.S. Navy –Radioman-RM2 National Association of Credit Management

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Dun & Bradstreet Site Review Critical Analysis

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Leadership & Supervision Interpersonal Relations

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Interview Panelist Athletic coach for football, basketball & track

COMPUTER SKILLS

• MS Word, Excel, PowerPoint, Access & Outlook

• Lawson, SAP, SAS, Oracle, Hyperion, Mass 90, Great Plains, J.D. Edwards, Crystal

Reports, OHM

• Windows- XP/Vista/7

Contact this candidate