Christine Schaeffer Email & Phone Number

Memphis, Tn

Provides financial expertise in the analysis of financial statements and operational performance. Supports strategic functions such as business plans, capital plan, special studies and projects, and maintenance and review of financial data, reporting financial results.-- Prepares financial reports for management -- Performs analysis of financial results, explaining reasons for significant variances from plan and between accounting periods.-- Recommends and develops for management forecasts and analyses (customer, business, and financial).

Memphis, Tennessee

The Credit Manager is responsible for the management of the credit control process for Luvata Grenada, LLC and reporting to the Director of Finance for Luvata HTS, Americas. The Credit Manager is also responsible for securing qualified manning for the administration of the credit and collections function. Also responsible for analyzing all available credit data to approve, reject or arrange other terms of payment facilitating product sales and protecting the company from undue risks. Additionally, approve all orders, assure timely collections, and profitable receivables.2017 Results:--A reduction in accounts 90+ days past due from $2.2M down to $300k.--A reduction in AR carryover from an average $7MM past due to $3.9MM at FYE.--Creation of regional Credit Processes--Documented and standardized over 20 Credit processes: Continuous ImprovementDuties as the role dictates:--Responsible for all phases of the credit process for HTS Americas including fair analysis of creditworthiness, ensuring safe and profitable receivables by timely collection, yet maintain positive external relationships.--Collect all outstanding receivables utilizing exception reports, aged trial balance reports, and correspondence files to ensure that company losses are kept to a minimum.--Create credit policies to control and reduce delinquency, credit exposure.--Select external vendors and credit info source organizations, manage relationships with those organizations and insure and determine the creditworthiness of new and existing domestic and international companies.--Proactively review portfolios to reevaluate credit lines and financial worthiness.--Responsible for determining when legal action or outside resources are required.--Prepare statistical and financial reports on accounts receivables and days sales outstanding so they can be regularly reviewed for proactive resolution.

Warrenville, Il

--Manages processes and strategies, including systematic management of end-to-end processes, leading documentation efforts. Guides structure, documentation, review, and maintenance of data and SharePoint 2010.--Implemented reporting system for KPIs regarding the documentation, review, and maintenance of standard operating procedure. This role develops corporate knowledge management strategy, identified techniques to facilitate knowledge implementation, and provides transfer and maintenance of knowledge within the organizational environment. --Developed and implement collaborative tools to facilitate sharing of best practices, ideas, and work among internal teams and external partners such as global conferences, meetings, SharePoint workspaces, and use of Lync 2010 for videoconferencing.--Developed MOSS SharePoint site to manage all existing credit documentation, including the creation of a user manual, as well as department-wide hands on training of personnel.--Developed an Audit checklist for conducting credit appraisals. The checklist was later adopted by the ERP system Siebel and is now used as the activities baseline for all of Credit.Reduced Exposure $9.2M in 2012 through appropriate analysis of terms, credit limits, and securities.--Completed 69% of the team’s total portfolio of credit appraisals due in 2012-- Completed 73% of the team’s total portfolio of credit appraisals due in 2011-- Achieved 100% completion of appraisals due by individual in all years 2006-2012.-- Extensive financial analysis of both private and public companies, focusing on liquidity, leverage, profitability, efficiency, and cash flow.-- Developed credit process and procedure templates for global implementation.

Dealer Credit Analyst : Perform detailed financial statement analysis on new requests and reviews of existing credit facilities up to $20m  Review and calculate monthly borrowing base calculations for revolving lines Make recommendations to the Dealer Credit Committee and present loan requests to the committee Work with outside sales to reach wholesale penetration goals Ensure proper securitization through careful analysis of UCC filings and legal documentationCommercial Credit Buyer : Participate in the credit underwriting process for vocational commercial financing with credit limits up to $500k Analyze commercial financials and personal financial statements  Responsible for the pricing and structuring of loan and lease transactions Perform periodic credit reviews and monitoring of watch accounts Financial analysis of business finance statements

--Supervise the daily liquidation of retail accounts over 30 days past due.--Handle escalated customer complaints--Train, motivate, and develop a staff of collectors to be able to work as a team to meet the goals of the department--Measure individual and team performance daily to ensure goals and objectives are being met--Interview potential collector candidates--Provide employee feedback through monthly performance evaluations and continuous mentoring--Weekly review/audit of delinquent accountsCollector --Collect delinquent accounts for a sub-prime portfolio, while maintaining the relationship with the customer to encourage future business.--Skiptracing

Certified Credit Executive, Credit Management, Cce Achieved 2007, Good Thru Dec 2016

Activities and Societies: NACM CCE The CCE designation is granted by the National Association of Credit Management for individuals who.

Master, Business Administration

MBA

B.S., Psychology

Bachelor Of Science Degree, Psychology