Credit Finance Manager at Ryder System, Inc. Responsible for managing a Credit Team remotely of 10 Credit Analysts in Fleet Management Services on Transportation Lease and logistics. Credit approval authority on new capital equipment, surplus leasing and fueling. Evaluating credit profiles of existing and new customers in US and Canada along with extending them credit in New Unit and Surplus transport leasing. Timely turnaround decision time within 2 two days on all escalated submitted credit reviews. Credit Risk review and underwriting on new commercial applicants. Coordinating meetings with Sales on decision challenges and asset valuations. Credit Limits assigned range from $5K to $10M on purchasing or leasing equipment. New account credit underwriting secured by Personal Guarantees, Irrevocable Letter of Credit and Cross Corporate Guarantees. Evaluating customer requests for Self-Insurance on Physical Damage for Ryder vehicle assets.While at Cardinal Health was responsible for leading a credit team while evaluating the credit worthiness and collection management of pharmaceutical customers both individual operations as well as large group conglomerates for their credit worthiness. Average Credit Lines ranged from $1K to $9MM to purchase products with Payment Terms of Net 15 Days to Net 30 Days. Clients ranged from $1MM to $400MM in annual sales located in the tri state area. Also responsible for preparing and managing Loan and Promissory Note Portfolio. Spearheaded the training and transition of the Credit Department to India on time and under budget. Recognized and awarded for diplomatically resolving business conflicts with productive outcomes. Nominated for Cardinal Health's Founder's Award Company's Highest Employee Honor. Credit Trained with a proven track record in Pharmaceutical Healthcare, Distribution, Retail and Banking.