Transforming business processes to boost productivity and increase accuracy is the driving force behind what I do. Over the years, I’ve honed my ability to step into a situation, identify areas for improvement, and provide viable solutions. My knowledge and experience in sales, contracts and financial management gives me a unique perspective on risk assessment and management. When it comes to credit assessment, I go beyond “the numbers.” I find a way to “yes” by evaluating various alternatives based on my experience. Being able to develop strategic relationships across organizations and resolve issues before they become obstacles has been a key to my success. I’ve been called a big-picture thinker who does whatever it takes to get the job done. We’ve achieved a lot over the last few years, I’m looking forward to what we can do next. A number of initiatives I’m most proud of include:🔹 RISK MITIGATIONDoubled the trade volume insurance to $300M, expanding portfolio coverage 94% while cutting premium 50% to maintain cost structure.🔹 SYSTEM DEVLEOPMENTCreated and implemented benchmark system to gauge customer risk, create portfolio risk profile, and provide proprietary credit rating. 🔹 PROCESS REDESIGNReduced time to analyze customer risk and create portfolio risk profile 33%+/- by instituting formal creditworthiness evaluation process. 🔹 VENDOR MANAGEMENTCircumvented broker commission by working directly with underwriters of top-rated trade insurance companies. 🔹 CONCENSUS BUILDINGGot buy-in from leadership to change the reporting structure to align documentation department with risk objectives. Always interested in connecting with colleagues, clients, and potential clients. Please email me at stuartjratner@gmail.com.CORE COMPETENCIES <><><><><><><><>Process Improvement | Cross-Cultural Communications | Cross-Functional Team Leadership | Risk Assessment and Management | Financial Analysis and Reporting | Letters of Credit | Policies and Procedures | Customer Relations | Credit and Collections | Accounts Receivable | Regulatory Compliance | Credit Portfolio Management | Credit Terms and Conditions | Forecasting | Financial Statements | Consensus Building | Deal Structuring | Debt Restructuring | Great Plains | IBM A/S400 | Excel | PowerPoint | Word