Customer Credit Manager - Investigated and monitored customer credit lines for a diverse portfolio of clients Client Administration - Responsible for developing and maintaining relationships with Accord's clientsSupervised and guided daily work activity of Client Management teams including collectors.Met with Client Service Managers weekly to ensure issues were identified and resolved quicklyManaged daily A/R advances and negotiated seasonal and temporary over-advances to clients on a case by case basisCalculated monthly client risk ratings based on current financials, projections along with A/R and collateral performanceMonitored and reported client financial performance including trend analysis on key metrics such as revenue and gross margin trends and A/R, A/P and Inventory turnoverPerformed due diligence on prospects with emphasis on A/R performance and customer creditworthiness. Periodically prepared credit approval memorandumsDeveloped a matrix to coordinate client vistits, based on location, relationship owners and issues, contributing to improved customer serviceLed 30-minute 'Get to know our client' meetings for all staff, contributing to meaningful work improved performance and lower turnoverReprted to CEO. Led a team of four

Wholesale Credit Manager

Account Executive –Capital Business Credit LLC Charlotte, NC. Responsible for managing risk and maintaining portfolio of clients in the textile and furniture industries. Responsibilities include: daily monitoring of collateral (A/R and Inventory) including disputes, deductions, and recourse; advancing available funds to client on an as needed basis; monitoring financial performance of each assigned client; maintain accurate and current client legal files.

Wholesale Credit Officer – Barclays Commercial Corporation / CIT Group Commercial Services, Charlotte, NC. Approve credit sales for clients to customers primarily in the textile and furniture industries. Supervised daily activity of one investigator. Member of Southern Yarn Credit Group. President of Southern Furniture Fabric Association Credit Group 1996-1997.

Divisional Credit Manager - The Bibb Company, Macon, GA. Main responsibility was approving credit sales and monitoring collections for the Institutional Textile Division. Handled sales by letter of credit.