Open to opportunities

Brian User

@brianuser9

Message

Experienced credit and collections manager with a focus on risk mitigation.

United States

Message

What I'm looking for

I am looking for a role that allows me to utilize my extensive experience in credit and collections, with opportunities for leadership and strategic impact in a dynamic organization.

I am a seasoned professional with over 20 years of experience in commercial and consumer collections, complemented by 15 years in commercial credit management. My career has been dedicated to improving cash flow, decreasing days-to-pay, and mitigating risk through comprehensive analysis and timely collections. I have successfully managed teams both domestically and internationally, driving significant improvements in credit policies and collections processes.

At Shimadzu Scientific Instruments, I achieved a remarkable reduction in over 120 aging from $21 million to $6 million, showcasing my ability to enhance financial performance. My expertise in credit analysis allows me to evaluate the creditworthiness of potential customers effectively, ensuring that our credit limits and terms align with our risk assessment strategies. I am also proficient in generating and analyzing reports that track credit exposure, which has been instrumental in guiding executive decision-making.

Throughout my career, I have demonstrated a commitment to establishing corporate policies that align with financial goals and risk tolerance. My fluency in Spanish further enhances my ability to communicate effectively with diverse teams and clients. I am eager to leverage my skills and experience to contribute to a forward-thinking organization that values financial integrity and growth.

Experience

Work history, roles, and key accomplishments

Current

Sr. Credit & Collections Manager

Current

Shimadzu Scientific Instruments

Jan 2019 - Present (6 years 5 months)

Lowered the Over 120 aging from $21m to $6m. Evaluated the creditworthiness of potential customers through credit history review and payment behavior assessment. Managed a team of 4 collectors and cash application analysts.

Financial Reporting Risk Assessment Policy Development MAS Sage Massage

Credit AR Manager

Cowan Systems

Jan 2013 - Present (12 years 5 months)

Reduced the company's exposure from $2.5m to $600k using exposure reports and credit line adjustments. Achieved a 95% current rate for receivables. Managed a team of 8 collectors and cash application analysts in the trucking/transportation industry.

Credit Line Adjustments Cash Application Accounts Receivable Financial Reporting

Credit Manager

Cummings-Wagner

Jan 2012 - Present (13 years 5 months)

Performed new customer setups and established appropriate credit limits through credit analysis. Maintained existing credit limits through periodic analysis of credit data and financial statements. Tracked and monitored both bonded orders and potential mechanic lien filings.

Credit Limits Policy Development Risk Management

Credit & Collections Manager

World Fuel Services

Jan 2008 - Present (17 years 5 months)

Reduced the number of overexposed accounts from 250 to 45 in 8 months. Maintained the aging at 91% current. Evaluated and approved new credit requests, with periodic review of existing credit lines for 7000 commercial, international, and government customers.

Risk Management Financial Statement Analysis FAA Liens

Product Account Manager

CitiFinancial

Jan 2004 - Present (21 years 5 months)

Managed two $700m private label credit card programs for long-term growth and profitability. Tracked the program's ROA through P&L reports, and provided pricing for promotional usage to increase through-the-door sales. Initiated and managed new projects with a cross-functional team to ensure successful on-time launch of value-add programs.

Portfolio Management Product Management Marketing Strategy Financial Reporting P&L management

Credit & Collections Manager

Thomson Prometric

Jan 2001 - Present (24 years 5 months)

Granted or declined credit lines using D&B reports, adjusted credit terms based on market needs, exposure, and delinquency. Managed the collection activity of over 300 testing centers in the US, Latin America, and the Caribbean. Generated reports to project risk exposure, and to establish bad debt reserves.

Risk Financial Reporting D&B Reports