EVAN J. ZOBEL, MBA

Salt Lake City, UT ● acvu6c@r.postjobfree.com ● 513-***-****

SENIOR CREDIT & COLLECTIONS PROFESSIONAL

CREDIT ANALYSIS ● CREDIT MANAGEMENT ● COLLECTIONS MANAGEMENT

CPG ● MANUFACTURING ● CONSULTING

Master problem solver, with ability to respond to economic, political and inflationary fluctuations affecting prices, positions and contract compliance. Expert in futures positions, business analysis, risk assessment and management and high-risk account analysis. Proven ability to cultivate a positive work environment, promoting a spirit of teamwork and idea-sharing while maximizing individual contributions.

Executive Presentations Policy Development Expense Control

New Business Development Financial Analysis Foreign Exchange Finance Management Risk Assessment Vendor Relations

Customer Service Risk Mitigation Contract Negotiations

Staff Management Reporting Policy Development

PROFESSIONAL EXPERIENCE

The Sun Products Corporation, Salt Lake City, UT 2013 to Present

Manufacturer and distributor of detergents, $2B in sales, over 1,000 employees.

CREDIT MANAGER, NORTH AMERICA

Fully responsible for Credit department. Annual budget is $800K. Supports corporate treasury initiatives.

Improved over 90 day past due receivables by 65% YOY improving cash flow.

Reduced DSO 9.7% from 30 days to 27.1 days YOY. Achievement recognized by Executive Leadership as instrumental to Company’s strong cash position and liquidity.

Successfully eliminated $2.7M in over 90 day open charge-backs. Improved bad debt reserves adding over $250K to the bottom line.

Omnicare, Cincinnati OH (2012)

Provides a broad array of pharmacy-related services to long term care facilities and to other customers in the health care environment.

ACCOUNTS RECEIVABLE RELATIONSHIP MANAGER

Fully responsible for Nursing Home and Hospital accounts receivable initiatives and results.

Improved Central Division DSO by 13 days within 7 months.

ENTREPRENEURIAL BUSINESS START-UP (2010 to 2012)

Founded and jump-started ecommerce site and business offering college textbooks and works of art.

Sun Chemical Corporation, Cincinnati, OH (2008 to 2010)

World’s largest international manufacturer and distributor of printing inks and pigments with global sales of $4B and over 10,000 employees worldwide in over 100 countries.

REVENUE ASSURANCE PROCESS OWNER, NORTH AMERICA

Fully accountable for all North America credit, collections, deductions, and cash applications. 29 direct reports, $250M receivables base, and operating budget of $2M.

Partnered with Sales Representatives in creating improved processes and eliminating risk assessment manager system. Slashed D&B budget by $200K, a 50% reduction.

Evaluated labor costs identifying excessive headcount expenditure. Achieved double–digit reduction by eliminating 7 associates without compromising productivity levels and work quality.

Within 6 months, captured $750K in interest costs as a result of attaining compliance with debt covenant ratios with bank tied to 61–90 days and 91+ days aging receivables.

Reduced past due receivables from 26% in 2008 to .02% in 2010.

Created positive impact on company cash flow through implementation of credit card business.

EVAN J. ZOBEL, MBA ● Salt Lake City, UT ● acvu6c@r.postjobfree.com ● 513-***-****

Accenture, Dayton, OH (2007 to 2008)

Management consulting, technology services and outsourcing organization operating globally in over 100 countries with over $21B in sales.

ACCOUNTS RECEIVABLE CONSULTANT

Fully responsible for managing $950M Credit and Collections Department including debt reduction, process improvements and business-critical projects.

Researched and revealed process inefficiencies and instituted a series of improvements on behalf of client resulting in 50% reduction of bad debt expense and notable gain in bad debt provisions.

Created new, innovative financial analysis spreadsheet for client, NCR to drive global credit risk management efficiencies and improvements. Strategy improved client’s cash flow and was registered with the U.S. Copyright office in 2009.

Directed receivables aging improvement procedure by upgrading reporting process.

Chaired weekly global conference calls targeting top 20 accounts by region aimed at improving collections.

Improved DSO performance in all regions including the Americas, EMEA, and APAC.

Rolls-Royce, Indianapolis, IN (2006 to 2007)

International manufacturer and distributor of engines in 120 countries. $16B in sales.

CREDIT SERVICES MANAGER, NORTH AMERICA

Fully responsible for all credit, collections, and cash applications. Managed 17 Associates.

Implemented accounts receivable weekly task force meetings focused on top 50 accounts by region.

Within 4 months, reduced past due receivables from 23% to 11%.

Recruited Canadian A/R group reducing headcount. Reduced costs by over $500K.

Reconciled internal receivables and closed non–reconciled cash receipts to zero monthly.

Significantly reduced company’s risk of escheat potential.

Procter & Gamble, Cincinnati, OH (2005 to 2006)

Global manufacturer and distributor of hundreds of branded consumer products.

CREDIT & RISK MANAGER

Responsible for maintaining Days Sales Outstanding (DSO).

Sustained DSO at 21.3 days.

Managed minimal bad debt losses of $170K against $27.2B in sales.

H. B. Fuller Company, Saint Paul, MN (2002 to 2005)

International manufacturer and distributor of specialty chemical products, with $1.5 billion in sales.

Manager, Credit & Collections North America Shared Services

Directed all operations and initiatives of the $200M Credit and Collections Department.

Drove all European and Latin America credit and collections operations.

Attained record 96% improvement of non–disputed accounts receivable aging.

Within 4 months decreased North American credit memos subject of escheat by 80%.

The Scotts Company, Marysville, OH (2000 to 2002)

MANAGER, CREDIT & ACCOUNTS RECEIVABLE CONTROLS

EDUCATION

MBA, Avila University, Kansas City, MO

BS, Drake University, Des Moines, IA

Customer Service Training, Developing Greater Customer Intimacy, Xavier University

PROFESSIONAL AFFILIATION

National Association of Credit Management (NACM), High Performance Management Achievement Certificate

PROFESSIONAL PATENT

Zobel Financial Statement Analysis Credit Limit Calculator, 2008, Registration Number TXU 1-666-653

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