LAURA A. HONDLE, CBF

**** * ****** **, #***, GLENDALE, AZ 85307

480-***-**** ; ad1j44@r.postjobfree.com

CAREER OBJECTIVE:

To further enhance my 30+ years of experience in the credit industry. I seek the opportunity to utilize my diverse credit/accounting background. I enjoy working with the public and want to continue my successful credit career. My extensive professional background, along with my business skills and ethics, allow myself the opportunity to provide the highest level of customer service to the organization that I represent.

PROFESSIONAL EXPERIENCE:

GCG LLC Credit Manager March 2018 – Feb. 2023

Comprehensive write ups on customers credit worthiness on present and future opportunities.

Financial analysis of financial statements to determine credit worthiness

Review and structure orders for release

Contact customers via phone, fax, and, or email regarding payment of balances owed to EIS

Works with branches and outside sales to expedite dispute resolution

Reviews aging data to determine accounts needing follow-up collection activity

Reviews credit card orders to ensure proper authorizations have been obtained

Assists in the setup of new accounts, including pulling credit reports and checking credit references

Toyota Commercial Finance Credit Analyst June 2015 – May 2017

oResponsible for underwriting small, medium and large commercial loans and lease transactions for material handling and commercial truck products.

oAnalyze and decision retail/lease offerings within my set approval levels. Make recommendations to management based on credit strength and risk analysis of applicant while:

oInterpreting business and personal credit reports

oAnalyzing personal and corporate tax returns

oExam and understand corporate financial statements

oImplementing concise written summary to support underwriting decision.

oPreparing written credit package for line of credit requests.

oRestructuring deals to assist customers with cash flow challenges

oAssist dealers with quoting and developing competitive financing structures and provide the highest level of service by maintaining turnaround at or above scorecard goals and objectives.

oCommunicate with dealerships on a daily basis while explaining credit decisions with sufficient information, consistency in purchase policy and quality must be present on every decision.

oWork Closely with distributors in order to grow market share and portfolio balance

oCollaboratively work with Sales and Marketing Department in order to identify new business

oIdentify process improvement opportunities while maintaining involvement in developing and executing projects.

Ingram Micro Senior Credit Risk Analyst June 2014-2015

Organized and created SMB Team with the Credit Operations team in Vancouver. The focus remains on:

oBuilding the SMB portfolios for maximum sales growth within the SMB market.

oAssist Credit Operations with identifying Manila accounts that need to move to the Field based on potential volume.

oMy goal is to continue the SMB focus and improve a fluid partnership between IM Sales Teams and Credit Operations.

Administer IM credit policies and procedures within assigned portfolio in a manner which will minimize losses and maximize sales revenue.

Review and approve new orders and work with internal/external associates to resolve credit issues and create a win-win solution for conflict resolution.

Laura A. Hondle, CBF - Professional Resume’ Page II

Minimize Risk and Bad Debt exposure within the SMB portfolio to ensure maximum profitability utilizing D&B, Experian, and NACM, to list some key resources.

Analyze financial statements, prepare comprehensive written credit reviews and determine/set credit limits for assigned portfolio while maintaining extremely strict deadlines.

Partner with customer and coordinate customer visits, when needed, to minimize risk and grow revenue

Providing the best possible customer service, on a constant daily basis, to all customers, whether internal or external, continues to be my primary career goal.

Collaborative-proficient in working with a variety of people in a team-based environment to obtain results.

Promote teamwork throughout the Ingram organization.

Volvo Group Credit Manager May 2012–June 2014

Volvo Construction Equipment And Services

Credit Manager for national corporation, Volvo Group, worth over $60 billion in assets. Manage Seven District Branches, working with local management and sales to resolve disputes and protect accounts receivable portfolios obtaining company goals and objectives to minimize bad debt exposure.

Supervise 1 direct report, coaching, mentoring and develop leadership skills to align with company’s departmental goals and objectives.

Financial Analysis/credit scoring (Balance Sheet, P&L and Cash Flow)

Building and maintaining customer relationships, working closely with the Sales Department and all levels of management to increase revenue while minimizing bad debt and exposure.

Daily, Monthly, Quarterly, and Year End Sales Tax Audits, making sure corporation is in compliance and does not incur liability issues resulting in costly fines. (Domestic and International)

Meticulous with detailed organizational skills in researching, problem solving and win-win solutions.

Proficient in Commercial Lien law procedures (multi-state), bond claims, bankruptcy laws.

Develop work strategies and goals to reduce exposure to write-offs

Review all requests for credit limit increases and approve, modify or decline accordingly

Collection calls while building and maintaining customer relationships

Review accounts and prepare for legal procedures, working closely with outside attorney, if necessary

Journal entries and adjusting entries to Accounts Receivable and the General Ledger.

Resolving monthly commission reports disputes

Monthly/Quarterly/Year end close and all pertinent closing entries and procedures.

HD Supply Waterworks Credit Manager April 2009 – May 2012

Credit Manager for the West Region which covers 16 District Branches. Manage an accounts receivable portfolio that averages $50 million, keep 60-90 days past due balances within company goals and objectives to minimize bad debt exposure.

Supervise 2 direct reports

Financial Analysis/credit scoring (Balance Sheet, P&L and Cash Flow)

Building and maintaining customer relationships while working closely with the Sales Department and Branch Managers to increase revenue while minimizing bad debt and exposure.

Proficient in Commercial Lien law procedures (multi state), bond claims, bankruptcy laws.

Approve/decline commercial credit account requests

Collection calls and build customer relationships

Journal entries and adjusting entries to Accounts Receivable and the General Ledger.

Monthly chargeback reports

Monthly/Quarterly/Year end close and all pertinent closing entries and procedures.

Laura A. Hondle, CBF - Professional Resume’ Page III

Alaska Airlines Supervisor, Credit & Collections July 2006 – Sept. 2008

Alaska Airlines Management Staff with 13 direct reports

Credit Manager / SOX auditor / PCI compliance

Supervisor of Accounts Receivable / Credit Department Personnel

Personnel Evaluation Reviews ( Performance and Merit)

Responsible for multi-million dollar accounts, maintaining 60+ days to minimize bad debt

Budget/Forecasting (Balance Sheet, P&L and Cash Flow)

Financial Statement Analysis

Accounts Receivable/ Cash Application / Cash Management

Collection Calls & related Customer Service function.

Credit Scoring utilizing various commercial credit agency reports, i.e. D&B, Riemer, Experian

Approves and declines commercial account credit requests.

Credit Briefs on accounts 60+ days past due.

Set up customer accounts and establish appropriate credit lines.

Review client’s accounts for increase / decrease of credit lines.

Prepares monthly journal entries and reconcile A/R accounts to balance with the General Ledger for month-end and year-end requirements (People soft).

Provide leadership to the following areas within the Credit and Collections department:

Invoicing, credit card billing and settlement, reconciliations and commercial account collections with an emphasis on providing superior customer service, reducing DSO, minimizing risk, financial analysis.

Account reconciliations and department performance reports.

National Association of Credit Management Trade Group Meetings

Preliminary Notices and Mechanic Liens

Commercial Lien and Bankruptcy laws

Performs special projects which require attention to detail and analytical skills.

Responsible for training, coaching and prioritizing workloads of the Accounting Specialists assigned to the above activities.

Payroll (Oasis and PeopleSoft)

Knowledge of Generally Accepted Accounting Practices (GAAP)

Strong leadership skills with proven ability to identify and execute process improvements.

Excellent communication and interpersonal skills.

Ability to handle multiple tasks/priorities in a fast-paced environment.

Strong organization and time management skills.

Manage daily personnel and department goals and objectives

Responsible for department compliance and testing of Sarbanes-Oxley requirements. Involved with SOX audits on a quarterly and yearly basis.

Cemex USA Credit Manager-Cement Division January 2003 – March 2005

Manage Credit Department for Cement Division at Regional Level

Supervise Accounts Receivable/Cash Application Personnel

Set Credit Department Policy

Reduce DSO while managing customer accounts and maintain Credit files

Approve/Deny open accounts and set credit limits

Review accounts, perform write-ups and assess credit risk

Preliminary Notices, Mechanic Liens, Stop Notices, Lien Releases, Commercial Lien and Bankruptcy laws

Maintain and develop customer relationships and work closely with Sales Department

National Association of Credit Management Trade Group Meetings

Laura A. Hondle, CBF - Professional Resume’ Page IV

OTHER QUALIFICATIONS:

Credit Manager / SOX auditor / PCI compliance

Financial Statement Analysis (Balance Sheet, P&L and Cash Flow)

Factoring

Supervisor of Accounts Receivable / Credit Department Personnel

Accounts Receivable/ Cash Application / Cash Management

Personnel Evaluation Reviews ( Performance and Merit)

Accounts Payable / Purchasing / Inventory

General Ledger / Journal / Adjusting entries

Payroll, Oasys, (manual and automated)

Fixed Assets/Depreciation/Amortization

Taxes, personal, business and payroll (city, state and federal).

Sales Commission Calculations, monthly.

Month/Quarter/Year End Close

PROFESSIONAL SKILLS:

Technically proficient in all PC / networking operations

Adept in Custom Software, JD Edwards, SAP, RUMBA, Oracle, Get PAID, Vertex, Oasys, PeopleSoft

Skilled in Excel, Word, Outlook, Office, Lotus Notes, Access, & PowerPoint

Extremely rapid & accurate 10 key by touch, Type 45+ wpm.

Computer Operator for IBM AS/400 System.

Competency of migration of the IBM System 34 to the AS/400

Expertise in IBM Systems 34, 36 and AS/400 (Main Frame)

WORK SUMMARY:

EIS, Inc., Regional Credit Manager, Tempe, AZ, (March 2018 – Present)

Toyota Commercial Finance, Dallas, TX, Credit Analyst, (June 2015 – September 2017)

Ingram Micro, Santa Ana, CA – Senior Risk Credit Analyst (June 2014 – June 2015)

VCES / Volvo Group – Credit Manager – (May 2012 – June 2014)

HD Supply Waterworks, San Marcos, CA – Credit Manager (April 2009 – May 2012)

Alaska Airlines-Air Finance Group – Supervisor, Credit and Collections (July 2006 – September 2008)

CEMEX USA, Ontario, CA – Credit Manager-Cement Division (January 2003 – March 2005)

EDUCATION:

Liberty University Online; May 2017

Credit Law (NACM) completed April 2014

Business Law (NACM) completed December 2013

CBA Designation (Credit Business Associate) NACM completed November 2008 (Bachelors in Credit)

Knapp College, Tacoma, Washington

Degree in Accounting Since June 1987

Minor: Business Administration

G.P.A. 3.9+, Attendance 100%

President’s Honor Roll, & Honor Graduate 1987

PERSONAL ATTRIBUTES:

Notary # 619136; Bonded, commission expires 01/14/2026

CBF National Credit Designation (NACM), specializing in financial analysis, completion 03/2015

Credit and Business Law 2013/2014

CBA National Credit Designation (NACM) awarded 11/08, specialized training in financial analysis.

National Association of Credit Management member since 1995

Professional, dedicated, loyal, impeccable integrity, hardworking, ethical, and team player

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