David Brown

David Brown

Work History

Work History

EMIGRATED TO UNITED STATES IN SEPTEMBER 2001

Mar 2008 - Sep 2008

Credit Manager

Western Refining Wholesale
  • Responsible for total Credit Management of Retail, Commercial, Wholesale and Lubricant markets.
  • Investigated, analyzed, underwrote and negotiated security for trade credit.
  • Supervised, motivated, supported and trained a staff of 10 to achieve record performance results.
  • Developed and contributed to various computer projects that assisted and advanced company efficiency.
  • Ensured procedures and internal controls were followed in compliance with Sarbanes-Oxley initiatives
  • Managed bad debt to litigation, implemented control procedures on collection, legal, and insolvency cases.
Feb 2007 - Feb 2008

Corporate Credit Manager

Asarco LLC (Chapter 11)
  • Responsible for total Credit Management of Copper Rod, Raw Materials and Wholesale markets.
  • Investigate, analyze, underwrite and negotiate security for trade credit financing.
  • Achieved increases in Collection performance to 98% and reduced DSO's from 28 to 20 days.
  • Liaise with AIG Credit insurers and negotiate underwriting and claims.
  • Increased Bank Balances from $400M to $993M in 12 months.
  • Developed and contributed to various computer projects that assisted and advanced company efficiency.
  • Ensured procedures and internal controls were followed in compliance with Sarbanes-Oxley initiatives
2005 - Nov 2006

Business Analyst

Amcor Sunclipse
  • Determine business requirements for, AR, Credit and AP departments including development & maintenance of project plans, project review and status reporting.
  • Determine business requirements using interviews, requirements workshops, storyboards, surveys, site visits, business process descriptions, use cases, scenarios, event lists, business analysis, competitive product analysis and workflow analysis.
  • Ensured systems were operational and provided application maintenance/resolution services within defined service levels.
2004 - 2005

Revenue Accounting Manager

Timco Aviation Services Inc
  • Responsible for managing and overseeing direct Billing and Collection in the small finance department of a major Aviation maintenance and repair facility in Arizona Phoenix managing.
  • Investigate and resolve billing and credit issues of accounts customers.
  • Ensure timely collection of accounts and monitors performance in compliance with Aviation contracts.
2002 - 2004

Credit Analyst / Manager

ConocoPhillips Company
  • Responsible for review and approval of trade credit, collection and loan financing obligations.
  • Prepared financial analysis for approval or recommendations.
  • Personal portfolio of 430 Accounts with an underwriting authority up to $1 million.
  • Negotiated, executed and managed credit security (e.g. LOC), and other forms of security.
  • Monitored credit exposure. Investigated credit holds, resolved invoice and collection issues.
  • Worked closely with all business partners to obtain information required for credit analysis.
  • Supervised 3 collection support staff.
2001 - 2001

Credit Manager

Murco Petroleum Ltd
  • Responsible for Credit collection & management of the Retail, Bulk Cargo, Commercial, wholesale and lubricant markets with approximate annual receivables balances of $600m.
  • Analyzed, appraised, reviewed, and approved trade and loan financing credit exposures.
  • Supervised, motivated and supported a team of 2 Credit Controllers.
1996 - 2000

Credit Manager

Repsol Petroleum Ltd
  • Responsible for total Credit Management of Retail, Commercial, Wholesale and Lubricant markets.
  • Investigated, analyzed, underwrote and negotiated security for trade credit and loan financing exposures.
  • Achieved increases in Collection performance to 97% and reduced DSO's from 45 to 19 days.
  • Supervised, motivated, supported and trained a staff of 8 to achieve record performance results.
  • Developed and contributed to various computer projects that assisted and advanced company efficiency.
  • Managed bad debt to litigation, implemented control procedures on collection, legal, and insolvency cases.
  • Revamped order to cash process.
1993 - 1996

Consultant Credit Manager

Lasernet Ltd
  • Provided credit management and collection consultancy on contract to all size companies.
  • Consulted with clients to define nature and extent of contract.
  • Collected and reviewed data.
  • Analyzed A/R ledger and other data, interview employees and observe day-to-day operations.
  • Utilized knowledge of credit theory, credit practices and technology to determine suitable solutions.
  • Implemented solutions agreed upon with client's management.
1986 - 1993

Credit Manager

Kuwait Petroleum (GB) Ltd
  • Responsible for Credit Management of Retail, Lubricant & Commercial and Wholesale Markets.
  • Achieved a current performance of 97% and reduced Days sales outstanding to 16 days.
  • Analyzed, appraised, reviewed, and authorized credit proposals for trade credit exposures.
  • Negotiated and obtained security in support of credit risk exposure.
  • Re-structured order to cash by streamlining all credit processes to meet credit, sales & logistic targets.
  • Supervised, motivated, supported and trained a staff of 16 to achieve record performance results.
  • Managed bad debt to litigation and enforcement.

Education

Education

Institute of Credit Management & Dun & Bradstreet

Financial Analysis, Advanced Analysis, Collection techniques & Risk Management, Management, Communications, Leadership and Staff & General Management courses.

BA - Business Management

University of Nottingham

OBJECTIVE

I am seeking a challenging credit management position that offers opportunities for ensuring optimal cash flowwhile protecting your business from exposure to losses whilst creating future revenue growth and profitability.

ACCOMPLISHMENTS

  • Formulated and implemented various Credit Policies to support financial, marketing and logistic goals.
  • Developed procedures and internal controls in compliance with Sarbanes-Oxley initiatives.
  • Developed a Credit & Financial analysis spreadsheet model with Z-scores and industrial comparisons.
  • Maintained collection performance results in excess of 97% current debt, and DSO's less than 17 days.
  • Planned, introduced and marketed Direct Debit scheme to customers.
  • Planned, designed, developed and maintained a Letter of Credit tracking Database.
  • Liaised with Credit insurers and negotiate premiums underwriting and claims.
  • Developed, designed, and constructed a legal database that issued summons, warrants and tracked cases.

PROFESSIONAL MEMBERSHIPS & AFFILIATIONS

Institute of Credit Management            - Membership 1980- 2005

Institute of Credit Management            - FormerMember of UK Petroleum and Suppliers Industry Group

NACM                                                          - Former Member of North American Copper & Aluminum Club

COMPUTER SKILLS

  • Highly proficient in Excel to VBA and Macro level.
  • Proficient in Access to application design level.
  • Proficient in Windows, Word, Excel, PowerPoint, Internet.
  • Accounting Packages various but includes J D Edwards, AS400, SAP

QUALIFICATIONS PROFILE & SUMMARY

A Credit Professional with progressive and extensive domestic and international credit management experiencewith national and multinational industrial companies.Specializing in creating highly functional credit and accounts receivable business units,credit risk policy, process re-engineering, change management & restructuring.

SKILL SET

Strong credit risk and financial analysis skills.

Honed critical thinking skills, able to make balanced decisions, weighing credit risk and profitability while maintaining good business relationships and meeting customer's needs.

Able to assume responsibility and accountability for all decision making.

Able to present complex financial analysis, verbal and written, in a concise and easy way to understand.

Detailed oriented able to organize, prioritize, multi-task and follow up in a fast paced environment.

Ability to communicate effectively on a one-on-one basis or group setting.

Excellent interpersonal skills allowing provision of superior customer service and cooperative working relationships.

Excellent verbal and written communication skills.

Self starter manager who takes the initiative and is proactive in resolving issues.

Able to quickly adapt and embrace new processes, ideas and technologies.

Able to hire and build team creditability and developing strategic partnerships across all organizations at all levels.

Skills

Skills

Adaptability

Ability to quickly adapt and embrace new processes, ideas and technologies

Leadership

A team player able to mentor and assist others at all levels in an organization.

Responsibility

Ability to assume responsibility and accountability for decision making required.   

Environment

Detailed oriented with the ability to organize, prioritize, multi-talk and follow up in a fast paced environment

Self Starter

Self starter – takes initiative and is proactive in taking action to resolve issues

Interpersonal Skills

Excellent interpersonal skills with the ability to provide superior customer service and maintain cooperative working relationships.

Communication

Excellent verbal and written communication skills. Ability to communicate effectively on a one-on-one basis or group setting

Financial Reporting

Ability to present complex financial analysis, verbal and written, in a concise and easy to understand format  

Critical Thinking Skills

Strong critical thinking skills with an ability to make balanced decisions, weighing risk to requirements while maintaining relationships and meeting customer needs.

Strong credit/risk analysis skills

Strong credit/risk analysis skills