Stephen Boynton Email & Phone Number

Byron Center, Mi

Review new and existing corporate customers for credit worthiness and present Senior Management with recommendation for decline/approval and provide supporting Analysis for decision.Responsible for designing and implementing a financial statement tracking system which tracks our top 25 customers with the largest exposure risk. Worksheet provides a snapshot of the customer's financial viability and will be presented to the corporate board quarterly.Examine requests from new and existing customers for financing requests and report risk/reward analysis to management.Communicate with both the sales team and our corporate customers to fully understand and assess the customer's financial strength.Put together customer profitability models in order to ensure an account will be adequately profitable.Model the financial effects on profitability, for both the customer and SpartanNash, that changing distributions centers would have.

Review and analyze customer financial statements. Monitor customer's performance.Responsible for preparing a Statement of Cash Flows, Collateral charts, Proforma Balance Sheet, and analyzing personal guarantors.Prepare risk analysis of loan structures. Discuss and examine deals with Senior Management.Demonstrated leadership when implementing new software and workflow processes as part of department reorganization. Helped with troubleshooting new workflow processes and assisted other team members understand new workflow.

Portage, Mi