Experience

Barrie House Coffee & Tea, Co.

• AR/Credit Manager

  • Apr 2018 - Present

  Manager of Accounts Receivable and Credit Department Manager of Accounts Receivable and Credit Department



Harvey Nash Group

• United Kingdom
• Staffing and Recruiting
• 1 - 100 Employee

• Commercial Credit and CollectionManager

  • Oct 2016 - Mar 2018

  Credit and Collection Manager Credit and Collection Manager



Freeman Products Worldwide

• United States
• 1 - 100 Employee

• Credit Manager

  • May 2012 - Aug 2016

  Responsible for the following:Managing and Minimizing risk with in the framework of the company Credit Policy. Evaluate and monitor risk of new and existing accounts; establishing appropriate credit lines. Assisting customers in timely and satisfactory resolution of problems and or disputes. Collects high dollar and sensitive account balances with considerations for future business. Maintains the Accounts Receivable aging as current as possible; reducing the bad debt adjustment as much as possible.



Z Credit Expert, Commercial Credit Consultant

• President

  • Aug 2010 - Jan 2013

  Commercial Credit Consulting to assist the development of commercial credit policies and procedures for business selling in a business to business environment Commercial Credit Consulting to assist the development of commercial credit policies and procedures for business selling in a business to business environment



Knapp Consultants, Inc

• United States
• Business Consulting and Services

• Corporate Credit Representative

  • Jun 2010 - Aug 2010

  Responsible for reviewing accounts and releasing advertisement orders. Multiple daily deadlines were met to allow for the layout of the paper. Analyzed new and existing customers to establish and increase credit lines. Received and processed payments from customers daily. Developed a system to follow up and collect on delinquent accounts. Responsible for reviewing accounts and releasing advertisement orders. Multiple daily deadlines were met to allow for the layout of the paper. Analyzed new and existing customers to establish and increase credit lines. Received and processed payments from customers daily. Developed a system to follow up and collect on delinquent accounts.



New Castle Building Products

• United States
• Wholesale Building Materials
• 100 - 200 Employee

• Credit Manager

  • Oct 2008 - Jan 2010

  $30-$40 million per year wholesaler of roofing, siding and building materials.Initiated new credit policies and procedures to improve collections and reduce risk on new accounts. Improved the turnaround of credit application approval process to foster a strong relationship with new customers. Improved collections while opening new accounts for additional business in new geographic territories. Repaired and improved relationships with formerly delinquent customers; turning them into profitable accounts. Saved on expenses by improving relationships with third party resources. Processed all accounts receivable transactions including customer payments and adjustments.



Unemployed

• United States
• Transportation, Logistics, Supply Chain and Storage
• 700 & Above Employee

• Commercial Credit Professional

  • 2010 - 2010



Ridgewood Corp

• United States

• VP Credit & Collection

  • Apr 1997 - Mar 2008



Ridgewood Corporation

• United States
• Financial Services

• Credit & Collections Manager

  • Apr 1997 - Mar 2008

  A $60-$75 million per year wholesaler of plumbing heating and HVAC suppliesProvided a sound credit policy working with the sales force and senior management to improve the aged receivable position as well as partnering with accounts to increase sales. This position is the primary focal point to monitor accounts. Credit applications review and investigation as well as all collections efforts for 10,000+ account base. I am the liaison with merchant card processors promoting the best possible service package for the most cost efficient price.¨ Developed and implemented a plan and procedure for controlling accounts receivable exposure, thus allowing for lower outstanding receivables, increased cash flow and increased financing. DSO reduction of 30% or 28 days. ¨ Performed critical analysis and reporting provided collection and accounts receivable information by which each branch manager was able to review and act upon as well as to provide an overall picture of the company for the executive council. Senior management was able to focus sales staff towards under performing customer accounts and away from problematic accounts.¨ Developed and initiated a credit and collection training program at the branch level to help facilitate and develop a total team strategy towards controlling and reducing accounts receivable exposure. This developed a better working relationship with sales personnel and improved communication regarding future orders and new business.¨ Performed Ratio and Balance Sheet analytics when possible, used D&B, TRW and Moodys Reporting services.¨ Provided Monthly reports analyzing accounts receivable and bad debts.¨ Liaised with sales and upper management on business decisions



Palermo Supply Co

• Credit & Collection Manager

  • Jun 1994 - Mar 1997

  Credit & Collection Manager Credit & Collection Manager



Palermo Supply Co., Inc

• Credit and Accounts Receivable Manager

  • May 1994 - Mar 1997

  A $30-36 million per year wholesaler of plumbing and heating suppliesA management position working with 3 subordinates to provide oversight to the Billing, Accounts Receivable and Credit & Collections Departments. I managed two cash application positions and monitored deduction and dispute handling and resolution. Coordinated weekly billing of invoices and monthly statement generation. Provided the first true credit and collection administration to this company and its 6000+ customer base. Initial task was implementing a credit policy and collection procedures as well disseminating the information to the multiple sales staff and branch personnel. This allowed for the systematic reduction in aged receivables and improved payment performance from most of the customer base.¨ Set credit policy which reduced the outstanding past due balances 30-40% by implementing a two-phase collection procedure.¨ Reduced staff needed from 3 to 2 people without any loss of collection productivity.¨ Developed and implemented the company*s first written credit policy and guidelines. This allowed the entire company to know the pivotal points at which a customer would be restricted from future sales and how to prevent them.¨ Conducted the first complete review and analysis of the company*s open charge accounts and organized monthly meetings with senior management for the purpose of reviewing delinquent accounts. This allowed for better understanding of all potential problems and provided for the development of unique solutions.



boxes usa.

• United States
• Packaging and Containers Manufacturing
• 1 - 100 Employee

• Credit Representative

  • Apr 1993 - May 1994

  A $240-300 million manufacturer of corrugated paper productsPerformed credit analysis helped form the centralization of credit at the corporate office for a multiple facility organization. Developed a keen insight into the credit mindset and strengthened my ability to monitor accounts as well as maintain collections and aged receivables.¨ Assisted development of new reports to study the progress of the department and map out potential problems.¨ Provided critical input in developing a correspondence system to resolve disputes among multiple manufacturing locations across the nation.¨ Reviewed and analyzed new and existing accounts for the extension of open credit lines.



Republic New York Corporation

• United States
• Financial Services

• Collection Clerk

  • Sep 1989 - Apr 1993

  A leading apparel factoring company, division of Republic BankCollection clerk handling a large portfolio of accounts for our clients. This initial position afforded hands on education to commercial credit and collections. Was trained and developed over 3 years to understand the Dun & Bradstreet approach to handling commercial credit & collections. A leading apparel factoring company, division of Republic BankCollection clerk handling a large portfolio of accounts for our clients. This initial position afforded hands on education to commercial credit and collections. Was trained and developed over 3 years to understand the Dun & Bradstreet approach to handling commercial credit & collections.