Professional Background

Wells Fargo Bank (A joint Venture with Polaris Industries)

08/2016 - Present

Commercial Distribution Finance – Inventory Finance Underwriter II / Risk Analyst (Portfolio analysis Base: Volume - $100M - $15MM)

• Underwriting transactions in a lending platform

• Assist Managers and senior staff in the underwriting and loan closing of transactions

• Negotiate terms and conditions for transactions and work within deal teams to endure appropriate documentation is in place

• Manage existing commercial accounts by performing rigorous analysis of transactions and resolve problem accounts in partnership with deal teams

• Interact with customers to obtain needed information such as financial statements

• Portfolio analysis to ensure compliance and portfolio reporting.

• Discuss business performance with dealers (profitability, cash flows, leverage and liquidity).

US Foods, Inc. MN

May-2010 – Aug, 2016.

Sr. Credit Analyst (Portfolio Base: $250M - $1MM) - Hospitality Industry

• Review and evaluate credit bureau reports and financial statements for account establishment and assignment of credit terms/Credit limits.

• Annual accounts financial analysis to determine risk versus terms , credit limit and sales volume

• Work with Accounts payables, Controllers, owners where necessary to resolve open AR issues

• Work with different teams (Sales) in the approval, and documentation of new credit requests for existing customers, and ongoing monitoring of the current portfolio.

• Negotiate terms and conditions for new and existing accounts plus establish Payment Plans for customers having financial distress or with potential for bad debt.

• Prepare weekly risk review reports and analysis for upper Management

• Attend offsite Credit Committee meetings with Credit Managers from competition to discuss high risk accounts, presence of a mediator (Attorney)

• Continuous review of account exposure, updating limits based on increased sales or risk; manage exposure using account holds. Also customer interactions are involved in risk management processes.

• Help out other Analysts where necessary and work on projects as assigned.

• Lead and train Junior Analysts/Coordinators

 

Eaton Hydraulics, MN
2006 – May-2010
Commercial Credit Analyst – Manufacturing Industry

Portfolio base: Customers with sales of $500M - $1MM

 

• Evaluated businesses (prospective vendors) credit risk for account establishment

• Provided financial order management support to Supply Chain, Marketing and Sales Personnel to control credit exposure.

• Analyzed customer financial statements and overall business including economic condition to help establish customer credit lines and set payment terms.

• Participated in process improvement projects

• Worked as a resource for the Financial Analysis and Planning team (helped with General Accounting duties which included but not limited to Journal Entries)

• Created pro-forma invoices for customers

• Managed Government contract in relation to invoice management and reconciliation

• Key player in acquisitions (mainly management of integration of acquired companies into the new system)

• Reconciliation of inter-company invoices, samples and employee purchase account

 

Target Financial Services

2004 - 2006
Senior Credit Advisor- Consumer (Specialist Target Visa):

• Demonstrated knowledge of adhered to all Target Corporation Policies and guidelines, billing systems, State and federal laws, rules and regulations governing credit.

• Assisted the Credit Advisors with account retention

• Had to demonstrate strong problem solving skills by probing and making suggestions for handling exceptional account situations.

• Reviewed consumer credit bureaus and set up both Target Visa and Target card based on set qualification guidelines

• Worked with  other departments in resolving issues that may arise, e.g. Asset Protection and Fraud department

• Responsible for working with Store Team Leads and Store Managers in resolving issues related to both the Target Visa and Store cards