Senior Vice President of Credit, Risk, Collections, Customer Service, Client Service departments for Recourse and Non Recourse Accounts Receivable Factoring Services. Director of cbCharge, Corporate Billings payment platform that provides FREE credit to fleets and Collision Shops to use at participating repair shops and auto dealers in the U.S. and Canada. Corporate Billing has been serving over 450 clients and over 60,000 buyers in various industries including auto dealers, truck dealers, transportation, equipment dealers, aftermarket parts, original equipment parts, tire dealers auto paint and supply, oilfield, telecommunication, and manufacturing since 1995. Corporate Billing provides these companies the ability to leverage commercial accounts receivable to meet current cash flow needs. In addition, Corporate Billing provides credit and collection services as well as on-line, real-time reporting. Corporate Billing's cbCharge product is the perferred payment option for NAPA AutoCare centers, NAPA Truck Service Centers, NAPA AUTOPRO Centers, Jasper Engines and Transmissions, AAMCO Total Car Care Centers, Meineke Car Care centers and fleets across the U.S. and Canada! Corporate Billing is a subsidiary of SouthState Bank (SSB).

Promoted from Credit Analyst to Credit Underwriter, which included management ofthe quality assurance department• Underwrote credit decisions on all new & existing Business Credit Cards &Merchant Services accounts• Developed and maintained credit policies and procedures• Oversee Quality Assurance department and all staff• Managed credit relationships with large volume business credit card &merchant services accounts• Worked directly with the bank credit committee on analyzing creditopportunities• Increased approval rates from 71% to 90% while maintaining losses well belowpeer averages• Monitored and analyzed risk processing within merchant services• Developed an in-house website for maintaining large credit files and annualcredit reviews• In first year of service was awarded outstanding employee of the year

Promoted from Credit Analyst to Credit Supervisor• Oversee credit staff of 15 for recourse and non-recourse factoring service• Manage a portfolio of 80 million a month in new invoice purchases• Create & implemented comprehensive billing and credit policies andprocedures• Assisted outside IT programmers in the development of a new credit,collections and payment system• Managed the up keep of servers and system performance• Increased approval rates to over 95% for all new debtor accounts• Developed and negotiated relationships with outside credit vendors

Promoted to a Credit Analyst as growth determined more inside opportunity• Outside sales for recourse and non-recourse factoring service• Part of sales team that generated from 50 million to 80 million a month in invoicespurchased• Retained existing business through developing relationships• Extensive training in credit, collections, payments, accounting, funding and clientservices

Sales of new and used cars• High outstanding customer service awards• Salesman of the Month awards• Worked directly with Finance on credit and customer payment

Worked with customers on repair invoices, service appointments and warrantyinvoices• Consulted customers on customer pay repairs and warranty repairs• Processed all warranty invoices to the manufacturer• Assisted in part sales• Calculated and set all labor rates for technicians• Performed minor service repairs