Amin Davis

Canton, GA ***** 678-***-**** adzbq0@r.postjobfree.com

PROFESSIONAL SUMMARY

Highly-qualified Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth, and bottom-line profitability. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards, and market conditions. Offering 20 years of financial industry expertise.

SKILLS

Resume of Amin Davis

Accounts Receivable

Project Management

Start Ups/Turnarounds

Strategic Planning

Team Leadership/Motivation

Process Improvement

Training/Development

Account/Territory Management

Client Relations

Negotiations

Customer Service

CMS Office Suiteollections

Skip-tracing

SAP

Oracle

Risk Management Expertise

Raising Capital

Workflow Coordination

Investigation

Financial Reporting and Analysis

Credit Approval and Denial

Policy Implementation

Manage Cash Flow

Collections Actions

Account Analysis Expertise

Policy Development

Commercial Lines of Credit

Sales Expertise

Performance Improvement

Loan Decision Assessments

Credit Evaluation

Risk Analysis

Asset Control

Microsoft Access

WORK HISTORY

GLOBAL CREDIT AND A/R MANAGER 05/2017 to CURRENT

CAIRE Inc

Managing a team of 5 analysts

Customer portfolio of assigned accounts to include daily follow-up on past dues balances including sending/generating customer statements as well as properly documenting collection efforts

Resolve disputes on invoices with Customer Service, Sales, Engineers, and customers

Review (process if required) new credit applications using Dun and Bradstreet Report, Experian, and trade references, determine Creditworthiness for both internal and external lines of credit, and approve lines within the assigned authority, receive additional approvals if necessary

Revoke open payment terms as necessary, increase/decrease credit limits as needed, and recommend accounts for collection

Reconciles customer accounts to ensure payments and credits are applied properly

Manage credit limits for accounts to support volume and creditworthiness as well as ensure that approvals are received to comply with SOX requirements and Reservations of Authority (ROA)

Negotiate payments with customers

Process credit card charges for US accounts

Process ACH payment requests from customers

Recommends and prepares account adjustments and receives approval if necessary

Review weekly aging reports and work accounts to efficiently and effectively reduce balances.

NATIONAL ACCOUNTS COLLECTIONS SPECIALIST 04/2015 to 02/2017

THYSSENKRUPP ELEVATOR AMERICAS

Thyssen Krupp Elevators Americas is the largest producer of elevators in the Americas

ThyssenKrupp Elevator Americas oversees all business operations in the United States, Canada, and Central and South America

Currently manages an individual account portfolio of approximately $4 Million, including 2 of the Top 10 Revenue producing customers, Macy's and Boeing

Responsible for reviewing accounts for delinquency, the reconciliation of accounts, and driving payment resolution

Daily serves as a liaison between TKE branches and National Accounts customers

Achievements:

Successfully reduced Macy's A/R by $1 Million within 2 months, by collaborating with Sales and numerous customer site visits

Maintained the lowest percentage of dollars >90 days among all National Account Collectors

Selected by V.P

Of Credit and Collections to collect on special projects

Trained new hires on other high-revenue-driving accounts

CSR 04/2014 to 04/2015

AIRGAS USA, LLC

Airgas is one of the nation's leading single-source suppliers of gases, welding, and safety products

Known locally nationwide, our distribution network provides more than one million customers of all sizes with unmatched access to a broad range of industrial, medical, and specialty gases, safety gear, MRO products, and industry expertise

Credit and Collections

Supervising 8 collectors/CSR for newly folded in Airgas National Welders region with A/R portfolio of 11M

Training included but was not limited to SAP system execution, customer service skills, collection techniques on high volume accounts, cylinder research, cash application research, credit limit analysis, and data integrity skills

Accountable to ensure the team met new the standard company goal of 10% 30 d30-dating

Participate in management meetings involving seasonal forecasting including seasonal sales and collection trends as well as write-off projections

Achievements:

Successfully drove 18.8% inherited 30-day aging percentage to under 10% by June 2014 and closed the final month end quarter of September 2014 at the company-best 7.26% out of 17 groups

Maintained the lowest collection numbers on the team

Trained new hire with no collections experience to company portfolio best 0.7% age 30 days

Airgas Ambassador

Manage and support 5 branch locations across National Welders through customer service to identify and resolve problems and issues to ensure the top-level customer experience

Responsible for a personal portfolio of over 2,000 customers with monthly accounts receivable of almost 1.8M

Accountable to ensure the company goal of 8% 60-day aging

Make credit-based decisions that acknowledge maximum revenue collections while maximizing company gross sales

Achievements:

Successfully exceeded company goal of under 8% (under 10% before September) 60-day aging every month while in position

Received a reward for a 3% decrease in 60-day aging in the month of October

Closed November 2014 60-day ageiaging4.1%

Successfully managed to resolve an inherited 40 plus single customer service problems within the Roanoke branch down to 2 within 3 months.

DIVISIONAL CUSTOMER ACCOUNTS MANAGER 02/2009 to 02/2014

RENT-A-CENTER

Rent-A-Center operates under the names A Sales and Lease Ownership, Rimco Custom Wheels Tires Accessories, and More, Rent-A-Center with more than 1500 company-operated and franchised stores in the United States and Canada

Over 55 million households across North America know and trust Aaron's name

A Rent-A-Center is the industry leader in serving the moderate-income customer, offering affordable payment plans, quality merchandise, and superior service

Rent-A-Center has been responsible for many of the industry's most successful and innovative marketing, operational, and manufacturing programs

Manage and support the Customer Accounts Departments with 2-4 staff members in each of 106 stores with 75K clients grossing more than $120M in annual revenue

Accountable for ensuring the division's goals of a 2% write-off, 8% non-renewed client percentage, and a 95% revenue collection rate

Achievements:

Promoted to Divisional Customers Account Manager due to excellent recommendations from the company's executive management team

Saved $400K in potential charge-offs by working with the 2 highest book value accounts monthly in 13 regions and by locating skipped customers through the internet using tools including Accurint, Facebook, 411 websites, and 3rd party conversations

Contacted clients directly and negotiated terms to bring their account status to current or the return of products back to the store

Selected to fix 6 problematic stores with more than 150% in company calculated nonpercentages and successfully decreased them to company-compliant standards of 35%

Mentored and motivated the staff via in-store visits to prioritize cases and improve time management and logistics; efforts reduced store write-offs by 50%-80%

Ranked in 2009 and 2010 as one of the top 3 divisions with the lowest write-offs out of 11

Within 2 weeks in 2009, reduced middle bucket (16-30 days non-renewed) from 101 to the company's goal of 12 in Sandersville, GA through skip tracing; directed the staff on how to perform field visits and contact clients directly.

REGIONAL CREDIT MANAGER/DIVISIONAL 11/1998 to 01/2009

RENT-A-CENTER

Administered individual/corporate billing and collections for 8 stores located in 5 states generating more than $14M in annual revenue

Coached the store management teams on collection techniques such as phone calls, field visits, and bill and payment audits

Chose to grant credit for individuals based on an order form and credit bureau reports; based corporate credit decisions on the order form, Equifax business credit reports, and company financials

Led skip tracing activities using order forms, Accurint, and other web-based tools and prepared collection activity reports for the Regional Operations Manager and company Vice President

Achievements:

Chosen by the company's Senior Auditor to collect $1M in un-purchased bad debt; collected an impressive $500K in 3 months by contacting all debtors, readily supplying invoices, prioritizing disputes, negotiating payments, and performing meticulous follow-up

Implemented the use of a new invoice which clarified payment terms resulting in improved DSO and a significant decrease in monthly bad debt

Managed 3-5 stores in 2002 to 8 in 2005 due to a history of enhancing collection operations

Maintained a bad debt percentage rate of slightly over 1%, well below the company goal of 2% while increasing revenue growth to 10% annually.

ASSISTANT MANAGER AND GENERAL MANAGER 12/1995 to 10/1998

RENT-A-CENTER

Managed the staff, ensured optimum warehouse inventory levels, created marketing plans, and drove the sale and lease of furniture, electronics and accessories to walk-in customers

Handled the collection of past due lease payments from individual and corporate customers, took incoming phone orders from national account holders, and oversaw loading/unloading deliveries and returned inventory

Developed daily logistics plans for drivers and handled daily deposits and cash reconciliations

Achievements:

Promoted to General Manager in 1997 and Regional Credit Manager in 1998

Store was ranked at a 20%+ profit level during tenure as General Manager; during the 1st quart of 1998, the store reached a profit level of 30%.

EDUCATION

Bachelor of Science Accounting And Finance

Augusta State University, Augusta, GA

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