Credit Manager Analyst

Phone 1-856-***-**** Email *********************@*****.***

Daniel White JR.

Objective: I am an experienced Financial Professional, seeking career opportunity in public or private entity that requires exemplary organization abilities and quality work in a timely manner.

Experience: Crystal Clear Credit LLC. Cherry Hill, New Jersey (12/2006-10/2021)

Financial Credit Analyst

Responsible for conducting trend analysis

Responsible for performing financial forecasting and reconciliation of internal accounts

Manage strategic accounts whom sales are 80% of the company’s revenue

Partly responsible for reducing the company’s need for financing growth through debt

Partner with businesses and build strong relationships with key customers

Managed the tracking of Letters of Credit

Freedom Mortgage Corporation, Mount laurel, New Jersey (03/2003-07/2006)

rvision and tr Residential Loan Underwriter (Conventional, FHA, VA )

Evaluates loan risk by verifying loan application information; against loan criteria guidelines and standards.

Clarifies risk by requesting additional information

Rejects loans by identifying and documenting deficiencies; returning application to loan officer.

Rank risk by estimating degree of risk noting any additional requirements; forwarding to loan committee.

CITI Bank Pike Creek, Delaware (05/2001-10/2002)

Credit Manager

Managed the tracking of Letters of Credit

Directly responsible for the supervision and training of junior analysts/credit assistants.

Prepared financial analysis on financial statements, highlight performance and specify areas of risk.

Developed policies regarding financial credit risk, assessing credit limits and extending credit lines.

Accountable for gathering, analyzing and presenting financial information used to determine the risk associated with the extension of credit to customers.

Accountable for minimizing the company’s DSO

Responsible for minimizing bad debt expense

Responsible for sales order review and determinations for approval

Ensured that credit procedures are in compliance with SOX, Antitrust and Unclaimed Property Laws

Assisted in validation of revenue for yearend audits

Delaware Park Casino, New Castle Delaware (03/1998-01/2001)

Main Banker

Accessed and reviewed data from online banking reporting system to manage lockbox deposits, verified ACH, wire transfers and validate daily cash activity.

Developed cash flow projections with a high degree accuracy

Verified and ensured accuracy of allocated cash

Managed banking relationship issues including opening/closing accounts, account analysis and changing account services.

Ordering and replacing cash to the federal reserve

Education: Norfolk State University Years completed: 3

Major: Finance and Marketing

Professional Developments Seminars

Treasury Management- March 2010

Leadership Development: Managerial Effectiveness- October 2007

Executive Compensation Strategies- October 2005

Understanding and Caring What Stockholders Think- September 2005

Sarbanes Oxley – 2003

Software Experience

ACCESS, ALLEGRA, COMPUSS CUBS, Calyx,DU, EMITS, EXCEL, NAVINET, MEDICARE FSS, MICROSOFT WORD,

QUICK BOOKS, SAP, AS400, SAPBW, Outlook,

Part time Jobs Held

Grimley Financial, Haddonfield, NJ Medical Pre Collection 3 months (01/2010-04/2010)

Account receivable management Collection 4 months (09/2007-01/2008)

Professional Recovery Services Collection 4 Months (09/2005-01/2006)

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