Finance and Accounting Professional with expertise in business operations, fiscal management, accounting, credit and financial analysis, budgeting, contract, collections, program development and client relationship management who impacts bottom line performance utilizing technology, KPI's and trend analysis to improve efficiencies and lower costs.Specialties: I have expertise with accounting, financial processes, credit, underwriting, financial analysis, cash management, project management, contract review and negotiation. I also have been involved with strategic planning, audit teams, budgeting, sales/marketing, and IT.