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Credit, Risk, Operations, Audit

Location:
Doylestown, PA, 18901
Posted:
April 25, 2016

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Resume:

John D. Heap

** ********* ***** +1-267-***-****

Doylestown, PA 18901 acucuq@r.postjobfree.com

Summary

Senior Credit Officer with proven background in credit analysis, risk management, financial analysis, underwriting, corporate restructure, customer negotiation, portfolio management and relationship management for a broad array of sectors including financial institutions, broker firms, healthcare, transportation, construction and manufacturing industries. Skilled in banking, risk assessment, and financial operations. Experienced with asset-based finance and leasing, letters of credit and lines of credit. Completed Master’s program in Information Science focused on business intelligence and enterprise architecture.

Career Skills Knowledge

Facilitator/ leadership skills

Staff development / productivity growth

Management reporting and analytics

Underwriting

Vendor program relations

Division / staff management

Credit rating committee / rating rationale

Data collection/ validation

Established / design scoring models

Closing / contract negotiations

Operations / service / quality control

Business planning

Portfolio management

Platform design and implementation

Education

Master of Science, Information Science, Pennsylvania State University, Great Valley, PA

Bachelor of Science, Secondary Education, Temple University, Philadelphia, PA

Professional Experience

GBJH Property Investors, LLC, Perkasie, PA

Co-Owner & Operator (2013-present)

Manage and assessing real estate investments through purchasing consumer homes in the Bucks and Montgomery county regions. Act as primary contact for tenant concerns and complaints, and effectively resolved issues in a manner consistent with the terms of the purchase and lease agreements. Solicit and evaluate bids for vendor services including landscapers, heating services, plumbing services and general maintenance teams. Supervise the integration of all business components including real estate, bank relations, and title agency. Orchestrate operations from ground up and gradually expanded real estate volume.

Siemens AG, Siemens Financial Services, Malvern, PA

Credit Officer (2008-2015)

Controlled and managed credit team’s approval process for Divisional Finance Group and assisted in Siemens Industrial Group (syndication and direct financing). Underwriter for asset-based lending transactions, provided credit risk assessment for investment portfolios. Developed financial valuation risk models and established credit level based on client’s commercial operations, ability to maintain payments, and other key factors.

Designed and implemented new policies and procedures that were adopted throughout Siemens Financial Service organization, including leasing work-flows and portfolio reviews.

Collaborated in design and construction of four interactive scoring model templates through data analysis geared toward healthcare and non-healthcare entities, increased productivity by 15% and decreased credit losses for Siemens COF.

Recruited by Siemens Capital to oversee and collaborate with management to construct credit warehouse methodology to improve accuracy and validity of Siemens receivables customers. Resulted in generating improved profitability and increased hold limits on existing customers.

Monitored and restructured new and existing portfolios of commercial clients and vendor programs, with existing portfolios ranging from $10 million to $100 million.

Developed Excel financial analysis tool to assist in evaluate customer’s probability of default rate that upgraded and streamlined approval process.

Created Excel-based hospital credit-scoring model to provide Siemens Healthcare’s business with accelerated decision tool for improved turnaround time.

Managed and designed process that helps reduce risk review turnaround time by 50% for healthcare related transactions and improves KPI process.

Supervised approval process for more than 380 Siemens Diagnostic transactions, totaling approximately $155 million, enabling successful syndication within one week.

Introduced, collaborated on, and launched three successful vendor programs from existing relationships. Included some of first agreements started by Siemens COF and it helped develop and solidify Siemens Industrial vertical from beginning.

Credit Analyst (2005-2008)

Examined and evaluated customers' financial status by studying earnings, savings, debts, and payment history. Analyzed employers’ financial information, such as tax documentation and financial statements, to determine proper special lending risk rating. Collaborated with credit team on on-demand projects and assignments to meet deadlines while assisting in front and back-end monthly and yearly projects. Liaised between client, sales, financial alternative, legal, and customer service organizations to ensure success.

Received Siemens Customer Achievement Award in 2008 for efforts in implementing smooth business transition of Siemens Diagnostic vertical with Siemens Financial Services.

Designated and implemented file room tracking system that helped organize approximately 8000 files.

Designed automated filing request form to speed retrieval of internal Siemens Financial data, thereby enhancing credit-decision turnaround.

Brandow Chrysler Automotive Group, Warminster, PA

Finance Manager (2003-2004)

Supported CEO for operational needs and supported three special finance dealerships on a wide array of customer lending issues. Managed three person verification department team. Prepared journal vouchers, reviewed trial balances, prepared reconciliations of wholesale activity, gain/loss calculations, financial statements, accounts payable/receivable reports and reviewed legal documentation in tandem with both funding department and auditors in assessing issues.

Created and managed verification department analyzing customer accounts to proactively detect fraudulent transactions, and implement prompt remedial action to protect dealerships’ investments.

Developed and implemented new reporting system that chronicled dealership activities with emphasis on providing ready access to wide range of qualified data retrieved from company database, enabled monitoring disbursement of approximately $3.5 million.

Daimler Chrysler Services, North America, LLC, Horsham, PA

Bankruptcy Coordinator (2001-2003)

Provided supervisory support relating to bankruptcy issues from zone adjusters and debtors counsel on existing automotive loans and leases. Analyzed effective and efficient liquidation of all active retail and retail lease bankruptcy receivables while minimizing loss exposure. Organized case assignments of bankruptcy accounts and handled all bankruptcy related mail and proper notations to appropriate counsel.

Professional Development

Pennsylvania State University - Continued Education – Web Development courses, 1994-1996

Moody’s Analyst Training – Capital Markets and Commerce Leasing courses, 2010-2014

Risk Management Association (RMA) Seminars Personal Development Training, 2008-2015

Equipment Leasing and Finance Association (ELFA) Seminars Personal Development Training, 2008-2015

Technical Skills

Experienced user of SuperTrump, InfoLease, LoanIQ, Star, SAS analytics, Microsoft Suite and additional credit software.

Proficient in use of Moody KMV, Standard & Poor’s NACM, D&B, Equifax, Experian, direct references, and trade payments



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