Michael J. Fitzpatrick Email & Phone Number

Garden City, New York, United States

• Managed Bay Crane’s credit operations, overseeing the credit approval process and ensuring compliance with policies.
• Evaluated credit requests, conducted thorough credit checks, and established appropriate credit limits.
• Collaborated with internal stakeholders to mitigate risk and support business growth.

New York Metro Area

• Managed credit limits up to $150M, consistently securing 100% approval from executive management for recommendations through comprehensive financial analysis and credit summaries.
• Led credit limit reviews and coverage processes, resolving 95% of Credit Insurance exceptions the remaining 5% were unsuitable for insurance coverage.
• Identified bankruptcy concerns of an energy company, preventing significant financial risk.
• Supervised the development of four jr. analysts to optimize their potential, providing guidance, training, and evaluation while fostering motivation and growth, leading to accurate risk assessments, and enhancing the.
• Developed a financial statement analysis model and trained the credit team to standardize client reviews for accounts over $1M, reducing assessment time by 50% and enhancing decision-making.
• Conducted in-depth financial analyses to support decision-making and strategic planning, providing financial performance insights and risk assessment.

Melville, New York, United States

• Proficient management of credit risk significantly bolstered organizational growth and profitability.
• Collaborated with cross-functional teams, including Sales, Collections, Finance, and Legal, to review and approve RFPs, ensuring comprehensive credit analysis.
• Completed thorough financial assessments on national accounts, informing credit risk determinations.
• Developed Preference Analysis and Credit Defenses for Bankruptcy Claims for legal dept.

Melville, New York, United States

• Reduced Days Sales Outstanding (DSO) by 5 days through efficient collections strategies, improving cash flow.
• Achieved a 10% increase in on-time payments and a 15% reduction in bad debt write-offs through collections process improvements.
• Supported decision-making for credit extension, resulting in optimized risk management.
• Collaborated with team and branch managers to address billing discrepancies, resulting in improved customer satisfaction.

Philadelphia, PA

• Managed daily operations and logistics for a business unit, ensuring efficient coordination among a team of over 50 employees, including six union representatives.
• Analyzed operational statistics and delivered actionable recommendations that enhanced facility services and performance.

Philadelphia, PA

• Performed comprehensive research and valuation analysis on agricultural commodities futures and options, informing executive decision-making with actionable investment insights.
• Developed and presented buy and sell recommendations through meticulous technical analysis, while vigilantly tracking economic trends to assess their impact on securities.

Philadelphia, PA

• Executed thorough bottom-up research and analysis, contributing to the management of equity assets exceeding $6.5 billion.
• Provided valuable financial insights and analyses, facilitating decision-making processes for senior partners and portfolio managers.

Education record

Regents Diploma