Timothy Fox Email & Phone Number

Murfreesboro, Tn, Us

La Vergne, Tennessee, United States

- Partnering with various departments to assist in understanding the key drivers and influence business decisions to improve revenue growth and profitability - Develop and maintain financial models and analyses to support strategic initiatives- Monitor and analyze trends of key operational and financial performance indicatorsOwn preparation of various presentations to the Executive Team - Partner with accounting to ensure that the appropriate expenses are recognizedManage FP&A operations activities around monthly reporting, company model, actualization, variance commentary and forecasting, etc.- Drive and coordinate various parts of the annual planning, monthly / quarterly forecasting, and monthly reporting process to deliver predictable financial results, early warnings of potential gaps, and timely identification and implementation of corrective action - Identify and improve efficiency and reporting accuracy through process improvements

Lavergne, Tn

Leading a diverse team managing the Credit & Collections teams for a large, complex customer portfolio. Minimizing financial risk to the organization by assessing and advising on creditworthiness of prospective and existing customers. Negotiate and advise on collection of overdue invoices and take appropriate actions to recover the overdue payments. Improve and manage all A/R receivable aging, collection activities and priorities as well as dispute resolution. External client and internal stakeholder support. Driving the close partnership with sales, customer care, finance/accounting to resolve issues and complex disputes. Leading a partnership with our collection partners to manage activities and support to achieve the SLA’s. Driving process improvement and systematic enhancements to better prioritize the teams and set a clear vision to meet our goals.

La Vergne, Tennessee, United States

Responsible for managing the Credit Department for the Specialty Division that is a $1.9B portfolio with a past due historically < 4%. Manage a team of 2 direct reports and 5 indirect reports that are with our business partner overseas. Manage the SOX (Sarbanes Oxley) review process for all existing accounts in the portfolio with Credit Limits greater than $500K, based on their risk rating assigned to review either annually or every other year. New business account setups to include customer facing discussions to negotiate credit limits, terms, contractual agreements to obtain necessary documents to support doing business within our policies. Work frequently with Private Equity groups to create a positive win win for both our customers and their investors. Credit Limit increase and terms change requests to ensure they are worked timely and accurately to support the customer needs and mitigate McKesson’s risks. Work with numerous other departments to ensure smooth operations and ongoing processes to support growth and profit objectives. Work with collections and assist in customer calls for payments and payment arrangements to include payment plans to minimize our past due and ensure goals are met. Negotiate contracts on behalf of financial services and work with other groups (pricing, contracts, purchasing, legal) and directly with customers to successfully implement a contact between us and our customers. Manage the third party collections process for McKesson Specialty and our third party collection vendor to help in repayment of invoices from customers that the collection team has exhausted efforts on, up to and including legal process of customers that are delinquent and refuse to pay. Delegation of Authority (DOA) $3M for credit limits.

La Vergne, Tennessee, United States

Assisted the Credit Manager with overseeing the credit department and all related activities within the Specialty Division. Managed a team of 7 direct reports to include Sr. Credit Analysts, Jr. Credit Analysts and Associate Credit Analysts. Developed measurable goals for the analysts and helped role them out to the team to ensure the work was being equally distributed and tracked to meet our growth and profit objectives. Developed better reporting to track goals versus production of the team and reported out to management to hold everyone accountable. Ensured the team was meeting goals to include SOX (Sarbanes Oxley) review of accounts were completed and/or extended as appropriate, credit limit increases reviewed and completed timely, new business completed timely and accurately. Assigning Credit Limits, account terms, and risk ratings accordingly. Delegation of Authority (DOA) - $250K for credit limits.

La Vergne, Tennessee, United States

Managed all credit limits greater than $1M in the Southeast Territory. Worked to develop and mentor the JR. and Associate Credit Analysts that handled the smaller Credit Limits In the territory as well as other territories. Assist the collections team to ensure customers in the area are paying timely and meeting achieving collection goals. Delegation of Authority (DOA) $150K for credit limits.

La Vergne, Tennessee, United States

Underwriter / Credit Analyst that handled the whole Western Territory for all credit limits and credit related functions within that territory. Assisted the collection team with efforts to make sure timely payments were achieved and collections goals met. Assigned credit limits, terms and risk ratings to credit worthy customers. Delegation of Authority (DOA) was $50K on Credit Lines.

Murfreesboro, Tennessee, United States

Commercial Lender responsible for developing new business to the bank for our commercial banking division. Managed a portfolio of $7M in deposits and $11M in loans. Visited customers and potential customers to solicit our banking products to include: loans, lines of credit, DDA checking accounts, and savings / money market accounts for our business portfolio to achieve growth and profit objectives while providing excellent customer service. Provided referrals to other groups within the bank to include, Mortgages, Wealth & Investments and Retail Banking Consumer Products. OMEGA commercial lending certified.

La Vergne, Tennessee, United States

Responsible for the overall branch goals to include 7 growth areas to include: Personal Checking / Savings accounts, Personal Credit Accounts, Commercial/Business Accounts DDA/Savings, Commercial/Business Lending loans, Wealth & Investments, Home Equity Lines of Credit, and Real Estate loan referrals. Obtained my investment license to sell fixed annuities to our customers. Setup business meetings for our Commercial Lenders and Investment Bankers to discuss other opportunities the bank offered. Hiring, training and supervision of staff to provide strong customer service to our customers to meet growth and profit goals.

Murfreesboro, Tennessee, United States

Responsible for managing a $10.5M direct portfolio and a $3M indirect portfolio for all consumer lending to the bank customers. Provide leads for our customer service team for deposit accounts. The indirect portfolio for the bank included contracts we bought from auto dealers, motorcycle dealers, and other vendors that we worked with, and ensured they were credit worthy and processed the setup of terms and credit limits of these contracts. Also responsible for the collections of these accounts. In the instances they were not paid timely, I had to skip trace, engage repossession efforts and run the legal accounts to our attorneys and third party collectors. Sales calls to develop new customers and ensure proper loan documentation, credit approvals and collection of the loan portfolio.

Nashville Metropolitan Area

Responsible for managing the overall operation of a $6M office, to include growth, profit and collection goals. Credit approval, collections, cash handling, hiring/firing and training of branch staff. I managed several different branches in my years and was known as the “rehab” manager. I was sent to poor performing offices and turn them into top offices that were best in the district / region. Had to solicit vendors to buy their contracts from furniture dealers, billiard companies, swimming pool dealers, fence installation, driveway installation and air conditioning dealers.