Oversaw all credit and collection processes; managed and mentored 4 credit assistants. Responsible for Risk Analysis for potential new business; managed high risk credit accounts and analyzed reserves for bad debt. Consistently held down annual bad debt percentages to less than .5% and DSO of 31 days on average annual sales of $100M. Managed and oversaw the timely processing of new credit applications, notice to owners, liens and bond claims. Consulted outside counsel to resolve account issues. Networked with credit associations and business professionals to exchange credit information and obtain current market forecasts. Maintained open communication with sales team to ensure excellent customer service and limit company’s risk.

First line credit approval for all commercial and residential contractors and final approval of all high-risk accounts. Responsible for management and collection of accounts for three inter-related businesses while consistently holding down annual bad debt percentages to less than .5%. Monitored accounts to determine credit line increases and decreases. Responsibilities included networking to ensure productive business relationships, gather information on prospective new customers and projects, keeping current on market trends and the relationships of banks and vendors with their customers. Stayed current on Florida Lien Laws and Florida Sales Tax Exemption laws in order to evaluate accounts for Notice to Owners, Claims of Lien, and Sales Tax Exemption qualifications.