1. James Brown
3515 58th
Street Phone:(806) 300-6838
Lubbock, TX 79413 E-Mail:jbrown21002@yahoo.com
Summary: Finance professional with20yearsof experience inamanagementcapacityinthe financial service
industry.
Core Competencies:
 Underwriting  CreditReview andAnalysis  Sales
 PortfolioManagement  Personnel Management  ConflictResolution
 RiskAssessment  Collections  RegulatoryCompliance
Professional Experience:
US Foods– Lubbock, TX 2011 - Present
Credit Manager
Manage a department of credit analysts. Administer and implement policy and procedures governing credit
activities of the company. Investigate credit risks and approve the extension of terms and limits. Manage key
collection accounts. Utilized sound processes to analyze credit risk and determine the credit worthiness of
potential customers. Manage the accounts receivable portfolio, to include time collections in accordance with
terms, and when changes in those terms are justified by payment activity. Lead Monthly credit meetings with
SeniorStaff. Ensure compliance withall regulatoryrequirements,includingSarbanes-Oxley and Dodd-Frank, and
assure division has appropriate records to pass internal and external audits.
 Achievedandmaintainedone of the lowestDSO(DailySalesOutstanding)metricsoutof 62 divisions.
 Improvedthe PortfolioPercentCurrentmetricandthe Bad DebtReserve metric yearoveryear.
Excel Financial – Lubbock, TX 1996 - 2011
CollectionsandAccountsManager(2004-2011)
Developed and implemented collection policies and procedures. Arranged for repossessions and resale upon
account defaults. Monitored client bankruptcy activities and filed required documentation. Initiated litigation
when mediation failed. Negotiated with clients to restructure leases and reduce potential losses.
 Managed 3 collectionagentsandestablishedcollectiongoalsand incentives.
 Increasedthe collectionrate percentage yearoveryearinrelationtobaddebtwrite offsandlitigation.
SalesRepresentative (2003-2004)
Increasedsalesthroughsolicitingnew andexistingvendorstosupplyfinancingfortheircustomersandidentifying
newbusinessfrompastorcurrent clients. Facilitatedpendingapplications and provided information and advice
as needed.
Loan Officer(1996-2003)
Analyzed credit requests from commercial clients to assess lending risks. Developed policies to determine
requirements andcollateral compatibility forcompanyportfolio. Approvedordeclined requests based on review
of applicant’s personal credit history, bank and trade references and company financial statements. Sought
additional documentation as required by circumstances.
Education:
Lubbock Christian University – LubbockTX
Bachelorsof Science,Finance 1996
Technical Proficiencies: MS Office (Word,Excel,Outlook),Oracle MDM, Tandem,Dart