Successfully institute positive efficiencies across the Credit department, including streamlining responsibilities, financial reporting procedures, creation of a formal credit policy, and taking a traditional monthly percent current average in the 70’s and maintaining an average above 90% from first-quarter 2013 to the presentAnalyze financial statements and utilize other Credit tools to assist in both the establishment and renewal of limits and terms; assist with order management by providing necessary payment information; conduct business to business communications and work with cross-functional departments to resolve disputes.Upon business need, visit with customers at the home office to strengthen relationships. Recognized annually for outstanding Credit Management performance.

Conducted business to business collection activities. Utilized a consultative risk mitigative approach with the commercial team by providing sound, financial analysis of customer financial statements that served to increase sales and reduce exposure to bad debt. Assigned credit limits and payment terms to both new and existing accounts. Performed credit reviews to assess risk. Developed action plans to drive metric improvements in team collaboration with business and sales. Involved in operational reviews to evaluate payment behavior. Led projects to resolve past due aging discrepancies. Leveraged long-time customer relationships to improve pay habits. Consistently achieved above 95% current receivables average for 2011 and first two quarters of 2012. Reduced day sales outstanding by 4 days in 2011 resulting in an additional $700MM in working capital. Recognized annually for surpassing corporate finance goals. Recipient of top performer accolades during my tenure.

 Monitored the collection efforts of over 100 salespeople in NJ, DE, PA, and MD Analyzed financial data, assessed risk, and assigned appropriate credit limits and payment terms Negotiated settlements, payment plans, and represented company in litigious matters Educated new sales hires regarding Credit policy and procedures Communicated effectively with customers, management, and sales to streamline processes and provide cost-effective savings

Hercules Inc., Wilmington, DE 10/00 – 06/01Credit and Collections ManagerResponsible for the credit operations of the Gulf Region, a multi-million dollar business unit• Supervised a team of 3 credit analysts and coordinated the collection activities for national and international accounts• Assessed risk, analyzed financial data, and assigned appropriate credit lines and payment terms as well as reporting to upper management

MBNA America Inc., Wilmington, DE 08/95 – 05/00Credit and Collections Manager, 1997 - 2000Responsible for the supervision of a team of 20-25 credit card analysts• Monitored the daily operations including interviewing, ensuring consistent workflows, analyzing trends and performance, and ensure monthly goal attainment• Facilitated listening sessions for peers, company guests, and senior management• Educated new analysts in a classroom setting utilizing a personally-developed reference guide• Recruited and organized a team in the collections department per business need• Assisted in the launch of MBNA, Canada, traveling back and forth over a six month period, establishing a credit department, educating personnel as to Canadian credit policies, and setting up a collections department• Participated in sporting event marketing opportunities for the NFL, MLB, NHL, and NascarCredit Analyst, 1996 - 1997Customer Activation and Retention Representative, 1995 - 1996