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Skills

  • Data analysis for credit trends
  • Credit risk analysis and mitigation
  • Commercial credit analysis
  • Credit reports
  • Performance monitoring
  • Team building
  • Organization
  • Operational improvement
  • Relationship development
  • Proficient in Japanese

Work Experiences

  • Amended over 7 credit agreements.
  • Looked for industry trends on social media and through online sources.
  • Added $2 to the company’s approved credit portfolio.
  • Championed the internal audit of credit practices.
  • Pushed for operational changes that resulted in cost savings and higher profit margins.
  • Balanced risks of exposure across 2 key accounts.
  • Consistently approved or declined requests.
  • Analyzed customer financials for credit line renewals.
  • Audited over 16 credit agreements.
  • Contributed to Top Performer performance recognition.

Summaries

  • Achieved results across multiple regions.
  • Recognized on a regular basis for outstanding performance and contributions to the Accounting and Finance industry's success.
  • Achieved operational excellence by training credit officers in client risk profiling, improving loan processing times by 83% and contributing to corporate growth.
  • Analyzed critical financial metrics.
  • Adept at mitigating corporate exposure by consistently identifying early credit warning signals, leading to potential loss mitigation and improved cash-flow ratios.
  • Achieved a reduction of rework by 38%.
  • Corporate Credit Manager is a multi-talented Corporate Credit Manager who is consistently rewarded for planning and operational improvements.
  • Contributed to corporate growth.
  • Collaborative and detail-oriented Corporate Credit Manager with over 13 years of experience in cultivating results-driven credit policies and strengthening corporate credit lines.
  • Accomplished Corporate Credit Manager, having negotiated multi-million-dollar credit agreements that improved net payment terms for over 17 corporate clients.

Accomplishments

  • Facilitated cross-functional alignment to achieve a 30% reduction in bad debt levels and improve decision-making around credit limits.
  • Trained 12 credit analysts on new technologies and methodologies, increasing overall department performance by 29%.
  • Successfully managed a daily portfolio of 10 multinational corporates, ensuring compliance with internal risk frameworks.
  • Collaborated with team of 4 in the development of program.
  • Authored credit policy guidelines for the global team, resulting in unified standards and a 43% improvement in policy adherence.
  • Mitigated 38% of potential losses by implementing a revised escalation procedure for delinquent high-balance accounts.
  • Tracked 11 credit KPIs and provided weekly reports to senior management, enabling more informed business decisions.
  • Negotiated multi-party credit terms with vendors and suppliers, lowering procurement costs by 65% while minimizing risk exposure.
  • Decreased DSO by 13 days across the Pacific Northwest, improving company cash flow and liquidity forecasting.
  • Led the development of a customer credit segmentation model that increased profitability by 56% in the past year.

Affiliations

  • International Credit & Trade Finance Association (ICTF)
  • Credit Management Association (CMA)
  • Risk Management Association (RMA)
  • European Association of Credit Management (EACM)
  • American Medical Informatics Association
  • International Council of Nurses
  • International Association of Restructuring, Insolvency & Bankruptcy Professionals (INSOL International)
  • Association of Information Technology Professionals
  • Corporate Restructuring Association (CRA)
  • American Bankers Association (ABA)

Certifications

  • Professional Certificate in Credit Risk Management – [EdX: metric – Finance Department]
  • Certified Information Systems Auditor (CISA) - method
  • Credit Risk Certification (CRC) - Risk Management Association (RMA)
  • Advanced Credit Risk Analysis and Management – standard
  • Financial Risk Manager (FRM) Certification - Global Association of Risk Professionals (GARP)
  • Certified Risk Analyst (CRA) - International Academy of Business and Financial Management (IABFM)
  • Certificate in International Cash Management – method
  • CompTIA A+ Technician
  • Certified Financial Risk Manager (CFRM) – metric
  • Digital Credit Risk Certification – framework

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