Daniel Liebgott

***** ******* ***** **. 201-***-****

Delray Beach, Florida 33446 acx26t@r.postjobfree.com

Summary

Risk Management Finance and Lending Executive with over 15 years experience building and motivating staff, emphasizing creativity, productivity and technical excellence utilizing progressive credit analysis techniques in industries including retail, wholesale, manufacturing, distribution, and service. Proven record of successfully working with domestic and international business and country cultures. Thrives in a constantly changing fast paced work environment.

EXPERTISE SPANS FINANCIAL STATEMENT & OPERATIONAL ANALYSIS INCLUDING

Balance Sheet

Liabilities & Long Term Debt

Corporate Equity

Cash Flows

Financial Notes

Equity Reconciliation

Sales Analysis

Forecast Analysis

Letter of Credit Expertise

Credit Approval

Collections

Deductions & Chargebacks

Profit Improvement

Bad Debt Expense Reduction

Operational Improvement

Experience

Trade Finance Solutions, Aventura, FL

Senior account executive 2015-2016

Managed an ABL, Factoring, and Supplier Credit lending portfolio of domestic, Mexican and South American clients. Effectively handled advances and fundings in multiple currencies. Supervised a staff of two while teaching financial statement analysis company wide.

Increased funds employed year over year utilizing in-depth progressive analysis of client financial statements, cash flows, sales and liquidity forecasting, including Moody’s Analytics.

Effectively managed a very high risk portfolio of clients which yielded no defaults or credit losses during my tenure.

Reported directly to the chief risk officer and regional director.

Expert knowledge in the management and compliance of credit insurance policies with multiple carriers.

Actively participated in cross selling products to clients’ customers to increase new business.

FCC, LLC dba First Capital, New York, NY

Vice President, HLT Area 2005-2015

Formed, organized, and managed the first Risk Management /HLT department at FCC. Managed a portfolio of almost $500 Million while monitoring of over 45 senior committee account presentations in excess of $250,000, along with supervising a staff of collectors.

Continued to increase Company revenue year over year utilizing in-depth analysis of financial statements, cash flows, sales and liquidity forecasting, and covenant compliance tests on a weekly and monthly basis.

Utilized progressive credit analysis techniques such as cash flow and leverage analysis, securitization and collateral on accounts.

Effectively managed a very high risk portfolio of accounts which yielded no credit losses during my tenure.

Reported directly to and assisted the national credit manager with all aspects of running a credit department as assistant credit manager.

Expert knowledge in the management and compliance of credit insurance policies with multiple carriers.

Actively participated in cross selling products to factoring customers to increase new business.

Maintained substantial customer contact on a quarterly basis, with written analysis and progress reports to senior management indicating the customers’ position and profitability, along with our revenue growth.

Created and redesigned computerized financial spreadsheet and committee reports for use with Microsoft Word and Microsoft Excel, which increased analyst and collector productivity, while reducing paperwork.

COLUMBIA BANK, FAIR LAWN, NJ

Senior Credit Analyst / Underwriter 2004-2005

Senior credit analyst / underwriter in the bank's commercial lending department. Analyzing and underwriting commercial loans from $100,000 to $20 Million, along with training four junior analysts and reviewing their senior loan committee presentations.

Increased revenue utilizing in-depth analysis of financial statements, cash flows, and sales forecasts on an as needed basis. Stimulated new business through customer referral program and cross selling bank products.

Increased analyst emphasis on documentation review, presentation, securitization, and collateralization on all credit facilities.

Co-authored existing credit procedure manual and templates, adding emphasis to existing financial information combined with sales and cash flow projection.

HSBC BUSINESS CREDIT, INC., NEW York, NY

(formerly Republic Business Credit Corporation)

Assistant Vice President, Senior Credit Analyst 1997-2004

Senior analyst in risk management /HLT department managing a personal portfolio of almost $3 Billion while monitoring of 40+ senior committee account presentations in excess of $1 million, along with supervising a staff of two analysts and three collectors.

Increased Company revenue on a year over year utilizing in-depth analysis of financial statements, cash flows, sales and liquidity forecasting, and covenant compliance tests on a weekly and monthly basis.

Utilized progressive credit analysis techniques such as cash flow and leverage analysis, securitization and collateral on accounts.

Actively participated in cross selling banking products to factoring customers increasing new business growth.

Maintained substantial customer contact on a quarterly basis, with written analysis and progress reports to senior management indicating the customers’ position and profitability, along with our revenue growth.

Created and redesigned computerized financial spreadsheet and committee reports for use with Microsoft Word and Microsoft Excel, which increased productivity, while reducing paperwork.

BNY FINANCIAL CORPORATION, New York, NY

Assistant Treasurer, Senior Credit Analyst 1990-1997

Senior credit analyst managing a portfolio in excess of $500 million in the retail credit department. Accountability for senior committee account presentations in excess of $1 million.

Increased revenue by utilizing in-depth analysis of financial statements, cash flows, and sales forecasts on an as needed basis. Stimulated new business through customer referral program.

Substantial customer contacts and visits, with written analysis and progress reports to senior management indicating position and profitability.

Created and redesigned computerized financial spreadsheet and committee reports for use with Microsoft Word and Microsoft Excel.

Assistant Secretary, Section Manager 1987-1990

(IRVING COMMERCIAL CORPORATION, New York, acquired by BNYFC)

Section Manager of General Product Department with total volume of $900 million.

Supervised four senior analysts and three collectors.

Co-wrote computerized financial spreadsheet used with every committee account presentation for Lotus 123.

Assistant Vice President, Section Manager 1981-1987

(ASSOCIATES COMMERCIAL CORPORATION acquired by IRVING COMMERCIAL CORPORATION)

Section Manager of Furniture and General Product Department, with total volume of $800 million.

Supervised three analysts and three collectors.

Involved and supervised all client contact, customer visits, and committee account presentations for section.

Wholesale Credit Analyst 1979-1981

(RUSCH FACTORS, acquired by ASSOCIATES COMMERCIAL CORPORATION)

Wholesale credit analyst managing manufacturers and converters. Managed all Senior Committee Presentations in excess of $250,000.

Professional Affiliation

Executive Credit Club – President (2003)

Previously served as Vice President, Treasurer and Secretary

Skills

Expert knowledge of all Microsoft Windows based operating systems, computer hardware, and software.

Ability to program in Microsoft Word, Excel, Access, PowerPoint, Outlook, Lotus, dBase, and WordPerfect.

Education

New York Institute of Credit Years Attended 1981-83

New York, New York Business Administration

Presidents award for Advanced Financial Statement Analysis 1983

Baruch College Years Attended 1978-79

New York, New York Business Administration

Oswego State University Years Attended 1975-78

Oswego, New York Liberal Arts / Business Administration

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