Credit Analysis
Resume:
Victor Lee
***********@*****.***
Accomplishments
-Created a standard format for credit write-ups reducing review time from 3 hours to 2 effectively improving average service level agreement from 72 minutes to 58.
-By implementing a procedure to review all customers annually, the company avoided $78,000 in potential bad debt.
-Improved collections rate from 93% to 96% by reallocating collector portfolios and leveraging the use of 3rd party collections agency resulting in a 2 day improvement in DSO.
Technical Experience:
-Expert utilizing proprietary underwriting software
-Proficient with: Microsoft Word, Excel, PowerPoint.
-Strong working knowledge of SAP modules: credit, collections and cash applications
-Working knowledge of Kronos workforce management.
Related Experience
Credit & Collections Supervisor, Leprino Foods, Denver, CO October 2016 – January 2017
-Oversaw 3 direct reports, two collections & cash application specialists and one credit analyst.
-Oversaw the credit review process for customer credit risk evaluation and credit limit recommendation.
-Resolved domestic and international credit/collection issues.
-Ensured all incoming payments were applied properly.
-Prepared and distributed monthly performance reporting to upper management.
Senior Credit Analyst With Supervisory Responsibilities, WhiteWave Foods, Broomfield, CO January 2015 – September 2016
-Oversaw the review of customer’s financials and payment history to make recommendations on setting credit limits, risk rating categories and releasing orders when they are on hold.
-Reassessed risk through monitoring of any changes or updates in customer financials, payment patterns and 3rd party credit reporting agencies (D&B, CreditSafe, Experian, SeaFax and Credit Risk Monitor)
-Provided monthly KPI, days sales outstanding, and bad debt analysis reports to upper management.
-Met quarterly with sales VPs and regional business managers on accounts to discuss potential growth opportunities and accounts with collectability issues.
-Met weekly with collection specialists to review issues and discuss appropriate steps for problem accounts.
-Managed cash applications to ensure all cash receipts were applied properly and created deduction dispute cases to be resolved.
-Worked with international credit insurance companies to mitigate risk in foreign markets.
Credit Supervisor, TransFirst, Broomfield, CO March 2013 – January 2015
-Oversaw eight direct reports with responsibilities in underwriting and financial analysis.
-Provided annual individual performance reviews for upper management.
-Lead sector reviews with the Periodic Review department for 60 merchant accounts per month to identify merchants that present greatest risk of failure.
-Audited internal procedures for sponsor bank for three credit portfolios.
Senior Credit Analyst, TransFirst, Broomfield, CO December 2011 – March 2013
-Underwrote and analyzed companies for merchant processing using balance sheet, income statement, and statement of cash flows.
-Evaluated customer records to make recommendations that credit limits be extended or reduced based on processing history and financial stability of the company.
-Reviewed over 150 credit accounts per week for review.
-Compiled daily tracking of underwriting performance to manage efficiency.
Senior Commercial Credit Analyst, UMB Bank, Denver, CO September 2007 – December 2011
-Analyzed credit worthiness of companies with revenue between $1 - $500 million using various financial ratios.
-Discussed credit and sales opportunities while meeting with clients.
-Trained and led a team of three analysts.
-Coordinated with a team of relationship managers to generate loan documents and complete necessary due diligence to finalize loan closings.
-Ensured compliance to regulations and key controls prior to distributing loan documents.
-Booked loans received from loan assistants or title companies onto the bank’s processing system to complete the closing process.
Manager, Bennigan’s Restaurant, Arvada, CO June 2004 – March 2008
-Ensured quality of food and guest satisfaction.
-Responsible for hiring and training new hosts and wait staff.
-Performed nightly deposits, reconciling daily credit transactions, petty cash, and payment of vendor invoices.
-Generated monthly profit and loss statements; calculating food cost and liquor cost for inventory.
-Reduced cost by reallocating resources and cross training staff members to perform multiple duties.
-Implemented a change in scheduling that utilizes the strengths of employees according to the volume of customers per shift to ensure guest satisfaction.
Volunteer Experience
Community Food Share January 2015 - Present
-Assisting program directors with the sorting and packing of donated food, which provides food to families in need in the Broomfield and Boulder counties.
Volunteer, Volunteers of America Head Start, Denver, CO November 2009 – December 2014
-Assisted teachers with the care and education of pre-school aged children
Junior Achievement 2009-2010
-Volunteered at Ellis Elementary School to educate elementary aged students on simple concepts of money and business.
Habitat for Humanity
-Constructed houses for Colorado residence in need. Spring 2009
Education
University of Colorado May 2007
Bachelor of Science, Major: Accounting
Language
Semi-fluency in Cantonese
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