Experience

Southern Polymer

• United States
• Plastics Manufacturing
• 1 - 100 Employee

• Credit Manager

  • Apr 2016 - Present

  • In this role, I manage and oversee the credit department with +200 active accounts with sales up to $170 million. Regions managed include US, Canada, Mexico, Central America and China. • Experienced with credit reporting agencies including D&B, Credit Safe, Credit Risk Monitor and Equifax. • Experienced with credit insurance providers Euler Hermes and Exim Bank. • Experienced with credit insurance brokers including One Source Risk Management. • Experienced with ERP systems including SAP, Oracle and PRIMOS. • Experienced with credit groups including NCCA, NACM and Mexico’s Credit Bureau. • Experienced with credit scoring models and financial metrics used for credit risk evaluations. • Key performance metrics tracked and reported include DSO, BEST DSO, top past due, past due percentage of A/R, short payment by root cause, cash forecasting and variance analysis. • Reduced DSO from 80 days to 62 days (Mexico) and from 51 days to 38 days (US and Canada) significantly improving cash flow. 2022 DSO numbers continue to be the lowest DSO numbers in the last 5 years. This was accomplished by applying systematics to the collections process, good networking intelligence, being close to the customer and scaling up collection actions sooner both internally and with the customer. • Present weekly and monthly updates for the credit department to CFO and President. Show less



BWAY Corporation

• United States
• Packaging & Containers
• 400 - 500 Employee

• Sr. Credit and Financial Analyst

  • Jul 2009 - Apr 2016

  • Analyze credit risk. • Manage credit and collections. • Manage accounts receivable and determine credit limits. • Analyze key performance indicators: DSO, BEST DSO, PAST DUE DSO, CEI, top past due, % current, short pay by root cause, sales to trade A/R, cash forecasting and variance analysis. • Analyze financials, perform asset based loan calculations, evaluate supply chain finance programs, appraise working capital optimization projects and assess the cost-benefit implications of large capital expenditure programs using WACC, NPV, ROI, FCF and other financial metrics. Show less



J.M. Huber Corporation

• Chemical Manufacturing
• 300 - 400 Employee

• Credit and Financial Analyst / FP&A Analyst

  • Mar 2004 - Jun 2009

  • Analyzed credit risk. • Managed credit and collections. • Manage accounts receivable and determine credit limits. • Analyzed key performance indicators: DSO, % current, top past due, short pay by root cause, sales to trade A/R, total unapplied cash, total letters of credit, bad debt to sales, back orders by root cause, among others • FP&A analyses included sales tracking, cash forecasting and A/R metrics for CFO and credit manager. • Analyzed credit risk. • Managed credit and collections. • Manage accounts receivable and determine credit limits. • Analyzed key performance indicators: DSO, % current, top past due, short pay by root cause, sales to trade A/R, total unapplied cash, total letters of credit, bad debt to sales, back orders by root cause, among others • FP&A analyses included sales tracking, cash forecasting and A/R metrics for CFO and credit manager.



AFOASA S.A.de C.V.

• Mexico City Area, Mexico

• ADMINISTRATION AND FINANCE DIRECTOR

  • Aug 1998 - Feb 2004

  • Co-founder and minority shareholder. • Developed, prepared and presented specialized reports for strategic planning. • Spearheaded the creation, maintenance and reporting of operational and budget processes. • Participated in the design of the financial model dealing with the systematization and collection of municipal real estate taxes in the Ixtapa-Ziuatanejo and Rosarito, Counties. • Led contract negotiations with a Gillette Company subsidiary resulting in a new contract that allowed our company to expand regionally and to add two new offices. Show less



Siglo Ambiental Coyoacán (Mexico City, Mexico)

• Mexico City Area, Mexico

• SALES AND MARKETING DIRECTOR

  • Feb 1997 - Jul 1998

  • Introduced prepaid coupons.Launched seasonal pricing strategies. Reengineered the sales force territory. Adjusted customer data base profiles and identified new customer categories. Actions led to important cost savings and increased sales by approximately 25% • Supervised all marketing communications and public relations activities. • Introduced prepaid coupons.Launched seasonal pricing strategies. Reengineered the sales force territory. Adjusted customer data base profiles and identified new customer categories. Actions led to important cost savings and increased sales by approximately 25% • Supervised all marketing communications and public relations activities.