Greater Orlando
Seasoned professional and M.B.A. graduate with a comprehensive background in accounting, business credit, finance, international business, and management from Fortune 500 companies. Expertise in summarizing operations, financial analysis, and management performances. Possess the ability to adapt rapidly to changes and work effectively within a team environment, with strict deadlines.
• Performed financial audits at client locations, reviewing, testing, and analyzing financial conditions and performances. • Reported and made recommendations to Wells Fargo management on client’s credit worthiness and operational efficiency. • Demonstrated skills in conflict resolution, strong intuitive judgment and negotiation/influencing skills, flexibility and adaptability to changing priorities in a fast-paced environment, along with a strong consultative approach.
• Conducted recurring field examinations of Factored clients, located throughout the United States. • Performed on-site due diligence related to Accounts Receivable, Accounts Payable, internal controls, operations, cash analysis, tax compliance, insurance review, and financial analysis.
• Responsible for performing field examinations of existing and prospective commercial customers, with loans ranging from $5 million to $50 million dollars. • Performed detailed analysis regarding all aspects of collateral examinations, including Accounts Receivable, Accounts Payable, inventory, internal controls, operations, cash analysis, tax compliance, insurance review, and financial analysis. • Identified areas of risk, policy exceptions, collateral weakness, adequacy of advance rates and reserves by presenting recommendations, via reports to Senior Bank Management. • Demonstrated skills in conflict resolution, strong intuitive judgment and negotiation/influencing skills, flexibility and adaptability to changing priorities in a fast-paced environment, along with a strong consultative approach.
• Conducted Asset Based Lending field examinations of both new and existing borrowers for a variety of lending institutions. • Performed detailed analysis regarding all aspects of collateral examinations, including Accounts Receivable, Accounts Payable, inventory, internal controls, operations, cash analysis, tax compliance, insurance review, and financial analysis. • Identified areas of risk, policy exceptions, collateral weaknesses, adequacy of advance rates and reserves by presenting recommendations, via reports to lending institutions. • Major clients included Silicon Valley Bank, Pacific Western Business Finance, Square 1 Bank, Bridge Bank, North Mill Capital, Fifth Third Bank and Comerica Bank.
• Managed the implementation of all underwriting policies and procedures, developed in conjunction with senior management. • Responsible for due diligence regarding all prospective, current clients and their debtors, with the goal of maximizing business volume and minimizing losses. • Maintained efficient operations for credit determination and established appropriate credit limits. • Performed timely and accurate credit investigations using Dunn & Bradstreet and client records. • Analyzed prospective clients’ receivable portfolios to determine exposure to the company.