-Financial Analyst: Analyze financial statements and D&B reports to determine risk levels for merchant counter-parties to avoid charge backs, and potential losses in the event of bankruptcy, or business failure.-Project Manager: Develop and manage projects via cross-departmental integrated teams.

-Manage a team of credit analysts to meet goals and objectives-Managed portfolio for Ohio Valley Region, and Eastern Canada-Credit limit authority up to $250,000

-Manage a team of five credit representatives to ensure goals and objectives were met-Manage portfolio of $30 million to $50 million of open receivables-Analyze financial statements, references, and online sources for credit-worthiness review and assign credit limits of up to $2.5 million

-Manage portfolio of $30 million to $50 million of open receivables-Analyze financial statements, references, and online sources for credit-worthiness review and assign credit limits of up to $1 million

-Manage portfolio of $20 million to $40 million of open receivables-Analyze financial statements, references, and online sources for credit-worthiness review and assign credit limits of up to $1 million-Work with Sales Reps and Customer Service Reps to resolve issues related to held orders due to past due balances-Review credit limits as necessary, and at least once annually-Work with slow-paying accounts to a mutually beneficial payment plan-Travel as needed to visit with customers and sales reps

Various positions and increasing level of responsibility.(May 2006 – July 2006)-Liaison between BMW Field Representatives and BMW Group North America to resolve customer disputes with win/win resultsCustomer Relations and Services, BMW Group North America(November 2000 – September 2003, March 2004 – July 2006)-Front-line customer relations specialist for BMW Group in the US market-Product specialist for M Brand, Motorcycles, BMW cars, and MINI cars-High volume of inbound and outbound telephone calls and emails from current/potential BMW customersCRM Change Champion, Siebel Project Analyst, BMW Group North America(September 2003 – March 2004)-Siebel development, implementation, and user acceptance testing from the ground up-User training in a classroom environment with MS PowerPoint presentation-Post-implementation monitoring, training, testing, and refinementCustomer Service Representative, BMW Financial Services(September 1996 – November 2000)-Front-line customer service for BMW Financial Services in the US market-Provided account information: payoffs, transaction histories, amortization schedules, and processed payments via telephone-Sold / Promoted BMW VISA Credit Card for qualified customers-Starfish of the Year 1999, Making a Difference (rewarded with trip to BMW HQ, Munich, Germany) Weekend Credit Buyer for BMW cars, motorcycles, and MINI brand, BMW Financial Services(February 1999 - July 2006)-Read/analyze credit bureaus, financial statements, and D&B reports to determine consumer and commercial credit-worthiness