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Work Background
MAC Funding CorporationSenior Manager
Mar. 2016Elk Grove Village, Illinois
TCF Inventory Finance, Inc.Credit Analyst
Feb. 2014 - Mar. 2016Schaumburg, ILReview and analyze various transactions, including: review and analysis of applications, financial statements, business and consumer bureaus, security and legal documents, and payment performance.
Perform annual reviews on programs and individual transactions as assigned, and routinely monitor loans for compliance with loan agreements, various regulatory screenings and risk rating accuracy.
Prepare credit write-ups and Moody’s spreads when appropriate in accordance with credit policy and procedure. Complete ratio, trend, and cash flow analysis to determine if a customer is eligible for financing and approve loans under assigned credit authority and/or submit for appropriate authority signatures.
Partner with sales and portfolio to negotiate effective transaction terms, conditions, documentation and while working effectively and efficiently to maintain a balance between customer needs and minimizing bank risk.
US FoodsSenior Credit Coordinator
Oct. 2011 - Mar. 2014Supervised a customer portfolio of 1400 accounts and $25M in accounts receivable.
Analyzed aging receivable, set credit lines, and improved portfolio performance by 6.2%.
Prepared presentation of credit reviews to senior management and credit committee. Presented financial reviews and industry trends.
Sun Gardens, Inc.Finance and Credit Manager
Mar. 2003 - Oct. 2011JolietSharp business acumen and experienced in managing broad scope of operations, from analyzing credit reports, interpreting financial statements and assessing credit references to determining credit worthiness, preparing credit write-ups and conducting annual reviews.
Entrusted to oversee daily cash flow and manage line of credit, reducing interest expenses by 40%.
Effectively supervise a customer portfolio of over 100 large accounts, including Sears, Lowe’s and The Great Escape.
Successfully implemented credit policies, determining credit limits and reducing bad debt expenses by 19%.
Sony ElectronicsCredit Analyst
Jan. 2000 - Mar. 2003ItascaDrove financial analysis services for the credit department, increasing portfolio performance by almost 50%.
Successfully implemented an innovative financial projection software program, facilitating detailed analysis for all company financial operations.
Responsible for preparing credit reviews, managing business accounts portfolio and releasing inventory.
NBD BankCredit Analyst
Mar. 1995 - Jan. 2000Greater Chicago AreaSkillfully serve as Analyst to the Lending Team, responsible for evaluating financial statements, reporting document findings and recommending advisability of granting credits to the bank loan committee.
Review real estate appraisals, property condition and environmental reports.
Assisted Relationship Managers in managing commercial accounts. Managed workflow of new prospects and renewals/upcoming maturities.
Completed formal credit training program.
Completed financial rotations at the American National Bank, The Industrial Bank of Japan and DBS Partners, gaining experience in large corporate accounts and trading operations.
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