JASON MANWAH
Jersey City
Summary
Experienced professional with a strong background in credit risk management, data analysis, and corporate finance. Proven ability to assess financial health and develop effective risk management strategies. Seeking to leverage comprehensive skills and experience in a challenging role to contribute effectively and cultivate further expertise.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Credit Risk Specialist
PBF Energy
Parsippany Troy-Hills
12.2023 - Current
- Analyzed credit data and financial statements of new and existing customers to assess creditworthiness and recommend appropriate credit limits based on financial stability and risk levels.
- Proactively assessed counterparty creditworthiness and financial standing changes, optimizing credit capacity relative to potential sales volumes to maximize revenue and minimize financial risk.
- Evaluated and negotiated credit security instruments such as corporate guarantees, letters of credit, and collateral, ensuring accuracy and timely maintenance.
- Managed a portfolio of high-visibility accounts ranging from $100K to $10M, overseeing credit exposures through establishment, monitoring, and control.
- Monitored portfolio performance to identify cash flow enhancement opportunities, resolving disputes through collaboration with counterparties and internal departments like Traders, Billing, and Cash Application while maintaining strong relationships through regular communication and site visits.
- Collaborated with Traders, Contracts Administration, and Legal teams to ensure accurate transactional documentation and effective contract management in company systems.
Corporate Controller
Lacoste Inc.
New York City
12.2022 - 07.2023
- Monthly analysis of USA and CAN P&L, Inventories, and Headcount against prior year, budget, and last forecast, providing explanations of variances and defining and following action plan and communication of any risks and opportunities.
- Compile and prepare 3 Year Plan, Budget, and quarterly forecasts (3+9, 6+6, 9+3) by establishing schedules for the Finance team and business owners; collecting assumptions (buying plan by PL and by channel), analyzing, and consolidating financial data.
- Defined and executed monthly action plans on inventory in collaboration with Supply Chain, Buying, and Planning teams, preparing and consolidating budget presentations for CEO and CFO to support key HQ initiatives.
- Oversaw month-end closing, reclassifying entries to ensure accurate expense allocation to cost centers and GL, and placing accruals to anticipate future expenses.
- Performed internal audits and financial risk assessments, facilitating strategies for cost reduction while coordinating investments and maintaining fixed asset records for amortization tracking.
Credit Analyst
Sojitz Corporation of America
New York City
07.2021 - 09.2022
- Financial analysis to evaluate the creditworthiness of International Companies within many different sectors such as Chemical, Metals & Minerals, plastics, Oil and Energy, Satellites, etc. Assessing new and existing accounts ranging from accounts between $10k-$100mm. Through the evaluation and analysis of financials, bank/trade references, and data retrieved through external sources such as Bloomberg terminal, D&B Reports, Capital IQ, and industry reports.
- Conducted due diligence for investment projects and M&A, developed financial models to assess potential upside based on data and research, and organized findings into actionable insights.
- Managed administration of credit insurance policy, reviewed credit limits and transaction coverage, ensured compliance with internal procedures, followed up on claims, and reported transactions 60 days past due.
- Collaborated with business departments to address customer payment issues, facilitating timely resolutions and improving cash flow.
Education
Bachelor of Science - Finance
New Jersey City University, School of Business
Jersey City, NJ05-2021
Skills
- Risk management
- Financial Modeling- Budget and Forecasting
- Financial statement analysis
- Dun & Bradstreet Financial Analytics
- Capital IQ Pro
- ETRM Trading Platform
- Bloomberg Terminal
- Tableau- Data Visualization
- Microsoft Office: Advanced Excel Skills, PowerPoint, Word, Outlook, SharePoint
- SAP GUI (Accounting)
- Hyperion Essbase
- Python Fundamentals (Programming Language)
Certification
FRM Exam 1, Anticipated 05/01/26
Timeline
Credit Risk Specialist
PBF Energy
12.2023 - Current
Corporate Controller
Lacoste Inc.
12.2022 - 07.2023
Credit Analyst
Sojitz Corporation of America
07.2021 - 09.2022
Bachelor of Science - Finance
New Jersey City University, School of Business