MICHAEL A. ENGLAND

Gilbert, Arizona *****

480-***-**** - ady21z@r.postjobfree.com

Professional Summary

CREDIT & RECEIVABLES PROFESSIONAL PERSONAL STATEMENT Results driven Credit and Receivable Manager, exceptional communication, negotiation, listening, and presentation skills. Dynamic leader that establishes strong, collaborative partnerships and effectively communicate with Executives and a diverse range of cross functional leaders. I have shown the ability to perform through distractions with changing priorities and aggressive deadlines. Tactful and diplomatic with an emphasis on providing excellent customer service.

Skills

TECHNICAL Proficient in

Excel, Word, Windows, A/S 400, Oracle Applications and Hewlett Packard. Completed Network Technologies course work at College Of San Mateo, CA.

Financial Statement Analysis, NACM Continuing Education Course

Policy Development & Implementation

Credit Approval and Denial

Internal Controls and Reporting Systems

Risk Assessment and Classification

Work History

04/2014 to 09/2020

CREDIT MANAGER

Performance Food Group dba Roma Foods – Phoenix, AZ

Directed operations of credit, collections and cash application for a $450 million division of an international food service distribution company

Approved new accounts, establish credit limits using D&B, Experian, and financial statements, release credit holds, and work with third party collection agencies for the entire Phoenix operating company with a customer base of 4,500 restaurant accounts

Reduced past due amounts by over $1,000,000 in all columns over two years

Devised collection recovery strategies to resolve customer issues and delinquent cases.

Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.

Completed annual credit reviews on top accounts and present findings to CFO and Division President

Reason for leaving: During the Covid-19 pandemic, I made a career switch to consulting and contract positions.

01/2008 to 03/2014

ACCOUNTS RECEIVABLE MANAGER

System Services of America – Scottsdale, AZ

Applied credit policies, practices, and procedures, customer base of 5,000 restaurant accounts, $1 billion privately held food service distributor.

Responsible for meeting and exceeding credit and collection performance goals by implementing prudent planning, organization, and control measures

Maintained effective liaison with internal departments and make recommendations for process improvements to achieve maximum sales and sound receivables, while eliminating internal inefficiencies

Reduced delinquent dollars from $1.2 million to $500,000 across all aging buckets in one year period.

Directly responsible for credit decisions, customer evaluation, collection procedures, and legal issues, secured credit, unsecured credit, letters of credit and alternatives for managing risk

Prepared timely presentations for CFO and senior management team highlighting opportunities and potential risks from credit and receivable perspective.

Major Project: Created standardized customer credit evaluation process for new and existing accounts

Reason for leaving: Involuntary companywide RIF

04/2005 to 12/2007

ACCOUNTS RECEIVABLE MANAGER

Inventure Group fka Poore Brothers, Inc – Goodyear, AZ

Managed daily collection, cash application, and deduction process of all receivables for publicly traded snack food manufacturer with annual sales of $100 million.

Controlled customer deductions through identification, resolution, and prevention techniques.

Prepared monthly trade spending accruals to track revenue reductions and review with sales team.

Developed, trained and mentored staff of five.

Coordinated and facilitated review and testing of internal controls to become Sarbanes-Oxley compliant.

Directly responsible for tracking and reporting bad debt analysis, aging trends, and cash flow forecasting.

Performed credit evaluations on all new accounts as well as annual customer credit reviews

Major Project: Changed cash application process in Oracle to easily identify deductions from unpaid open invoices

Reason for leaving: Involuntary companywide RIF/Eventually acquired

12/2004 to 03/2005

CREDIT & RECEIVABLES MANAGER

Leapfrog Enterprises – Emeryville, CA

Maintained high quality receivables portfolio for global toy manufacturer with annual sales of $680 million and varying customer channels from big box stores to mom-and-pop entrepreneurs.

Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.

Became proficient in Oracle accounts receivable applications.

Reason for leaving: Involuntary companywide RIF/Eventually acquired.

01/2000 to 11/2004

CREDIT MANAGER

Core-Mark International – South San Francisco, CA

Managed day-to-day credit and receivable responsibilities for $250 million division of national convenience store distribution company.

Made customer visits to negotiate payment plans on major delinquent accounts.

Obtained and interpreted financial statements to accurately establish credit limits and shipping tolerances.

Major Projects/Achievements: Reduced DSO by two days and amount over terms by $600,000 in one year.

Awarded Credit Manager of Year 2002 by corporate financial management team.

Education

B.S: Business Administration

Defiance College - Defiance, Ohio

Affiliations

PROFESSIONAL National Association Of Credit Managers, Credit and Finance Development Division, Phoenix Chapter, attended FCIB seminars with emphasis on international credit AFFILIATIONS Defiance College Alumni Association, Defiance College Athletic Hall Of Fame.

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