Andrea R. Johnson

**** ****** ** *******, ** ****9

314-***-**** • ad3m3c@r.postjobfree.com

Summary of Qualifications

• 20+ years of Credit and Risk Management experience in a B2B manufacturing and distribution environment

• Solid interpersonal and communication skills with a proven ability to build and manage relationships

• Strong computer skills – SAP/ERP, Microsoft Office with a focus on Excel

• Strong problem-solving and negotiation skills to ensure prompt resolution of issues

Education

• MBA—Business Administration, Columbia College, St. Louis, MO (May 2016)

• BS—Finance, Columbia College, St. Louis, MO (May 2013)

• AAS—Business Administration, Columbia College, St. Louis, MO (May 2011)

• Credit Business Associate (CBA Certification), National Association of Credit Managers (3/2020)

• Credit Business Fellow (CBF Certification), National Association of Credit Managers (7/2023)

Senior Credit Risk Analyst

Cummins Sales & Services, Inc. • Atlanta, GA (4/2022 – Present)

• Manage and mitigate potential credit losses by performing comprehensive credit reviews and financial analysis on

large commercial and government contracts from 100K to $70M to assess credit risk and assign credit limits.

• Utilize credit tools in Experian Business Credit, Dun & Bradstreet, NACM and Credit Risk Monitor to properly assess

and manage the credit function. Contact banks, trade and credit associations, credit insurers to request and obtain

necessary documents, information, industry trends and other companies

• Analyze financial statements to determine the degree of risk involved and generate financial ratios, using software,

to evaluate customers' financial status.

• Review and monitor counterpart contract language in High Radius and Salesforce for compliance with credit requirements.

Maintain guarantees and other credit support documentation and prepare written reports on credit decisions

• Authorize the release of Partial, Conditional and Unconditional Lien Waivers in relation to progress and final

payments per milestone of job. File UCC filings to protect lien rights through NCS Online, and maintain all filings

in accordance with first furnishing dates by state

• Create Master Credit Accounts for multiple facilities to utilize one 'Parent' credit limit. Ensure the facilities are correctly

supported by proper documentation and or Security Instrument. Perform research and verification for multiple facilities

and structure to ensure sharing of the credit line has been applied correctly.

• Develop and maintain good communication between credit and Regional/Divisional leadership about AR/Credit

performance and process. Provide monthly AR/Credit recaps and performance reports.

• Directly communicate with Project Managers, Sales and customers to resolve disputes and ensure

payments stay ahead of job progress, thereby creating favorable operating cash flow position.

• Attend monthly project team/sales meetings to gain understanding of job-related issues, which could

impact the collection efforts, and to convey to attendees' collection issues on problem accounts.

• Able to meet credit turnaround requirements as set forth by Senior Management

Senior Credit Analyst

Gordon Food Service • Lithia Springs, GA (3/2016 – 4/2022)

• Managed the overall activities of the credit and collection functions to enhance sales volume and productivity.

• Analyzed D&B reports, CreditSafe, Experian, Seafax, and NACM, reports on all potential applicants to determine

creditworthiness

• Evaluate the creditworthiness of potential customers through comprehensive financial analysis, credit history review,

and payment behavior assessment.

• Prepare written reviews on Customer Credit Files relative to financial strengths and weaknesses of customers

with opinions as to credit worthiness

• Maintain counterpart data files and credit limit details in the SAP and Insight databases.

• Manage DSO, bad debt reserves, and create monthly management reports advising current collection status, customer

AR balances and key performance metrics

• Facilitate monthly credit committee meetings with General Manager, Sales Director and Sales Managers to discuss

concerns and promote effective teamwork between Credit and Sales

• Partner with sales team members to negotiate effective transaction terms, conditions, and documentation

• Work with AR team and Sales to facilitate collections; significantly reducing bad debt exposure and DSO, refunds and

bad debt write-offs

• Represents Company in Credit Association meetings

• Accomplished the lowest DSO companywide while increasing the percent current 2 years consecutively

Senior Risk Credit Analyst

Westrock (Formerly Rocktenn) • Norcross, GA (8/2011 – 3/2016)

• Manage the overall activities of the credit and collection functions within the Commercial Multi Unit credit segments

• Complete in-depth credit investigation including credit bureau data, payment history and analysis of financial

statements, trade suppliers, financial institutions, professional firms, or individuals

• Approve/reject credit applications by contacting credit references and 3rd party credit agencies such as D&B, Experian

and Credit Risk Monitor and credit insurance to establish credit limits for new accounts

• Conduct research to support/decline future business with customers; analyze Customer Credit Lines and highlight

problems or questions.

• Prepare written reviews on Customer Credit Files relative to financial strengths and weaknesses of customers

with opinions as to credit worthiness

• Release orders based on creditworthiness and account balances

• Performed semi-annual account credit limit reviews

Credit Risk Analyst

ICL Performance Products LP • St. Louis, MO (1/2006 – 8/2011)

• Managed daily operations of accounts receivable and credit/collections for assigned region (a combined $150 million

portfolio of domestic, international, and Canadian accounts)

• Lead day-to-day operations of credit/collection team ensuring collection on delinquent accounts and monitor collection

efforts by auditing accounts and reports

• Determined the best course of action for successful recovery of past due receivables and solve issues in relation to the

credit

period, collection procedures, and collection records

• Analyzed financial statements and prepare concise credit analysis detailing all key risks related to the business, industry

and/or transaction and determine credit worthiness of counterparties.

• Conduct due diligence on potential new relationships or business with counterparties and develop recommendations

to appropriate business units.

• Select delinquent accounts to begin collection efforts; evaluate accounts and recommend account closure or modification

of terms and/or credit availability; maintain internal databases with credit risk & credit limit information

• Monitor credit hold screens to keep sales managers informed of any developments regarding the account status

• Initiate bi-weekly conference calls concerning accounts receivables improvement, DSO, and collections efforts

• Serve as administrator for monthly/quarterly reviews and reporting with AR team in Israel on matters concerning cash

forecast, aged invoice reports, and customer financial review (semi-annually or as needed) for content quality and accuracy

• Create reports to track consolidated AR levels and statistics and produce these reports each month in a timely manner

Credit Risk Analyst

Kelly Financial Services • St. Louis, MO (3/2003 – 12/2006)

• Assess credit risk and (current/potential) client viability by analyzing financial statements and cash flow of customers

• Conduct financial research (company background checks, comparative industry analysis, trending analysis and

demographic data)

• Safeguard the firm’s interest and investment by identifying risks and developing effective measures to provide

accurate judgments to decide the creditworthiness of clients.

• Manage all documentations and records in relation to credit analysis and scores given

• Identify potential risk concerns within the Accounts Receivable portfolio and provided a risk assessment for the

monthly Credit Watch report

• Prepare written credit approvals and denials, monitor credit exposure against credit limits and parent guaranties

• Foster productive relationships between management of external counterparty and internal business teams

Contact this candidate