Sales Manager

SANTIAGO CAMPS

E-Mail: ********@*****.*** Ph.:786-***-****

CREDIT MANAGER

Dedicated to increasing Bottom-Line Profitability through sound Credit Management processes, Credit Risk Assessment and streamlined Collection Practices

AREAS OF EXPERTISE

• Credit Risk assessment through Financial Statement Analysis, Spreading and Key Financial Ratios interpretation

• Credit Scoring through developed model and thorough understanding of all Credit data sources

• Credit and Account Management, Collection Strategies, Customer Service, Dispute Resolution

• High-Volume, High-Dollar B2B Negotiations for Sales creation and supporting Credit extension

• Relationship Building with external (Distributors, Banks), and internal (Sales, Operations) Customers

• Microsoft Office proficiency, English and Spanish communicator, effective presentations to all levels

• Analytical and Financial skills with a high business acumen

MAJOR ACHIEVEMENTS

• Recruitment of 100% Open State Distributor base into an innovative collection system (EFT), once implemented reduced Days Sales Outstanding (DSO) by 15 days and Receivables Aging to net a 96% to 98% current position

• Development and Management of a systematic and objective Credit Scoring Model for risk assessment employing a weighted system for risk factors leading to a reduction in Credit Risk and 30% Bad Debt write-offs

• Continuously focused on process improvements, Credit Profession, Industry changes, and Market developments achieved through on-going association with NACM, CRF, and Distillers & Vintners Credit Management Trade Group

PROFESSIONAL EXPERIENCE

BACARDI USA (Miami, FL)

Senior Financial Analyst for Sales and Marketing (2007 to 2010)

Promoted from Credit Manager to Senior Analyst role as member of FP&A Team in Finance Department to provide Senior Management with key business intelligence for Brand and Market programming execution through;

• P&L Variance analysis and commentaries on performance for National Sales Business Units and Core Brands

• Crucial “go to market strategies”, industry analytics expert responsible for reporting and recommending action to changes to the overall spirits landscape

• Budget Management, for Multiple Brands, Travel Retail, and Caribbean Divisions

BACARDI USA (Miami, FL)

Credit Manager (1994 to 2007)

• Managed a $1.3B Sales portfolio in terms of Credit Line Extension, Risk Assessment, Collections, Deduction Management, and Customer Service.

• Formulated and executed Corporate Policies, procedures, and practices governing overall aspects of Credit Risk and Collections for entire corporate portfolio promoting efficiencies, SOX compliant processes, and risk exposure reduction.

• Negotiated Credit Terms in support of Sales initiatives

• Developed and managed a Credit Scoring Model providing objective account rankings in consideration of financial solvency, risk measures, and other factors for Credit line recommendation

• Implemented and managed an innovative Electronic Collection System (EFT), the primary method for collections of trade receivables

• Collaborated with Sales and Marketing Departments implementing strategies at distributor and retail channels for Promotions, Sales creation, Brand Positioning, Cost Reduction, Margin Achievement, and Operational Efficiencies

EDUCATION

Florida International University

B.A. School of Business - Dual Major Finance/Marketing

Prior to 1994:

Promoted through a series of Credit-related and Accounting positions leading to the Manager’s role

BACARDI USA (Miami, FL)

Credit & Collections Analyst, Assistant to Credit Manager (1986 to 1994)

• Synchronize Credit & Collection efforts with Credit Manager upholding Corporate Credit policies as it pertains to the Accounts (Trade) Receivable Portfolio

• Approve or decline credit to customers in accordance with established policies, practices and procedures in a manner that will result in maximum sales, sound receivables, and collections.

• Designed and maintained customer profiles through standardized templates incorporating measurable factors of the Credit Risk assessment process

• Developed template to systematically set-up new accounts capturing pertinent information for Credit extension

• Analyzed requests for Credit of prospective customer through financial statement analysis in conjunction with other credit investigative techniques (i.e. personal calls, trade association references, field and market reports)

• Led systematic collection efforts on past due invoices achieving A/R aging performance goals

• Developed monthly reports in coordination with Treasury Department providing input for Cash flow projections

• Worked in conjunction with Treasury Department to assess and maintain Stand-by Letter of Credit agreements

• Provided at analysis and reports on a weekly basis on the A/R Aging Report and supporting Customer Ledger Accounts highlighting unresolved issues, past due items, partial balances, collection and action taken status

• Responsible for monthly A/R write-offs submission maintaining a streamlined up to date Receivables status

BACARDI USA (Miami, FL)

Junior Accountant (1981 to 1985)

• Provided monthly excise tax calculations performing and improving Florida and New York State Beverage Reports through the reconciling of inventory movement activity to and from Distribution Centers

• Tax due calculation for Direct Imports into Distribution Centers through monthly reconciliation and analysis of intransit shipments

• Monthly inter-company reconciliation providing, directing, and advising resolution to outstanding issues

• Developed payment system in coordination with Accounts Payable Department providing timely and systematic payment of freight invoices

ADDITIONAL AFFILIATIONS

Chairman of The Distillers, Importers, and Vintners Trade Association (two years)

Member, National Association of Credit Managers Associate (14 years)

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