Modesta Perez Email & Phone Number

Fountain Valley, California

Carson, California

BP (subsidiary sold to Tesoro in June 2013), Carson, CA 2010 -2013Retail Credit ManagerDownstream segment involved in refining, production, marketing, transportation, supply, and trading. Company’s annual revenue exceeds $375 billion.Performed as Credit Manager of the Retail portfolio on financial assessments, risk and delinquency control, mitigations, collateral & security evaluations and executions of policy enforcement.Engaged and… Show more BP (subsidiary sold to Tesoro in June 2013), Carson, CA 2010 -2013Retail Credit ManagerDownstream segment involved in refining, production, marketing, transportation, supply, and trading. Company’s annual revenue exceeds $375 billion.Performed as Credit Manager of the Retail portfolio on financial assessments, risk and delinquency control, mitigations, collateral & security evaluations and executions of policy enforcement.Engaged and partnered with Retail Business Units Management on credit and customer financial related issues for timely resolution, to protect receivable exposures and maximize cash flow.Contributed to improve DSO of 2 days and working capital of approximately 10 million annuallySubject Matter Expert on system trainings, workflow design and workload distribution for credit functions to improve efficiency and 3 team members’ skill set. Show less

City Of Industry, Ca

One of the largest processor and distributor of milk and other dairy products in the country, with yearly revenues exceeding $12 billion.Managed, directed, and responsible for three major areas in Credit, Collections, and Cash Management including company policies, procedures, underwriting, processing new customer applications, reviewing & managing delinquency, and granting credit limits. Developed goals and objectives for 9 staff members with training and coaching to deliver improved… Show more One of the largest processor and distributor of milk and other dairy products in the country, with yearly revenues exceeding $12 billion.Managed, directed, and responsible for three major areas in Credit, Collections, and Cash Management including company policies, procedures, underwriting, processing new customer applications, reviewing & managing delinquency, and granting credit limits. Developed goals and objectives for 9 staff members with training and coaching to deliver improved quality credit services, business integrity, and ensure adequate control of A/R aging to minimize bad debt, through effective collection efforts.Analyzed customers’ financial status, evaluate credit and collateral value to support proper credit terms.Performed internal SOX audit and offered recommendations to achieve adequate controls and compliance.Improved relations with Sales and Customer Service, interacting daily to enhance goodwill by promoting a customer-friendly atmosphere. Show less

La Mirada, California

A leading broad-line foodservice distributor in the United States, with yearly revenues exceeding $18 billion. Directed and managed all credit and collections functions and activities.Transformed Credit Department to a substantially improved functional team after re-organization and training.Evaluated credit risk, negotiated payment arrangements and determined timing for legal actions and contributed to reduction of half a million per month of A/R reserve.Designed and… Show more A leading broad-line foodservice distributor in the United States, with yearly revenues exceeding $18 billion. Directed and managed all credit and collections functions and activities.Transformed Credit Department to a substantially improved functional team after re-organization and training.Evaluated credit risk, negotiated payment arrangements and determined timing for legal actions and contributed to reduction of half a million per month of A/R reserve.Designed and implemented new credit record-keeping and filing system, with document, procedures, policies, and controls in place to satisfy compliance requirements. Performed internal SOX requirements for department and offered recommendations to achieve audit controls. Show less

Buena Park, California

A leader in manufacturing musical instruments that offers a full line of musical instruments, i.e., piano and keyboard products, band and orchestral instruments, professional and commercial audio products, guitar, drum and synthesizer products with annual sales reaching $1 billion.Directly responsible for all aspects of financial services activities for national and key accounts, including risk management and process improvement.Trained and directed staff (8 credit professionals) on… Show more A leader in manufacturing musical instruments that offers a full line of musical instruments, i.e., piano and keyboard products, band and orchestral instruments, professional and commercial audio products, guitar, drum and synthesizer products with annual sales reaching $1 billion.Directly responsible for all aspects of financial services activities for national and key accounts, including risk management and process improvement.Trained and directed staff (8 credit professionals) on credit risk evaluation, effective collections, payment negotiations/work-out plans, and escalated legal actions.Coordinated communications to support Sales efforts and contributed to win-win results for all.Involved in various company wide special projects based on management’s nomination, such as portal development, Business Continuity Plan. Show less

Anaheim, California

One of the premier financial services companies in the world that provides manufacturers, distributors and dealers with inventory floor plan financing, factoring of receivables, asset-based loans, accounts receivable servicing and financing and commercial credit insurance brokerage.Reviewed credit applications to assess risk and establish credit limits with justifications.Analyzed financials statements, Duns & Bradstreet credit reports, and consumer credit reports to support credit… Show more One of the premier financial services companies in the world that provides manufacturers, distributors and dealers with inventory floor plan financing, factoring of receivables, asset-based loans, accounts receivable servicing and financing and commercial credit insurance brokerage.Reviewed credit applications to assess risk and establish credit limits with justifications.Analyzed financials statements, Duns & Bradstreet credit reports, and consumer credit reports to support credit decision and minimize risk.Managed collateral security including UCC filings and real estate lien. Negotiated with other secured parties to improve our position.Special project: created, implemented, and completed UCC project from acquisition of Whirlpool Financial Corporation.Directed a staff of two credit support and enforced credit policies and procedures. Show less

Master'S Degree, Business Administration And Management, General

Bachelor'S Degree, Business Administration And Management, General