Michael Miller
Golden,CO
Summary
Credit & Collections / Finance Leader
Extraordinary leadership and large staff management with multifaceted experience across Risk Management, Financial Services, Credit & Collections, ERP Financial systems design and implementation, and Six Sigma Black Belt-based policy and process improvements.
Exceptional Financial manager with over 15 years of Fortune 200 experience, leading with integrity and a passion for building and inspiring high-performance teams while delivering superior financial metrics. A recognized change agent who combines sales facilitation with effective risk management and adds creative business thinking into his organization and implements innovation with speed and effectiveness. Demonstrated strengths include:
·Risk Management and minimization
·Strong Financial Analysis
·AR, Billings and Credit Systems design
·Business Process Reengineering
·Exceptional Metrics and Operational reporting skills
·SAP and Oracle Financial ERP implementation
·Six Sigma Black Belt process improvements
·Financial Controls / Sarbanes-Oxley Compliance
Overview
28
28
years of professional experience
Work History
Credit & Collections Manager
Arrow Electronics
Denver, CO
07.2009 - 01.2012
- Managed Credit & Collections staff of up to 12
- Managed accounts receivable portfolio of over $50 million.
- Negotiated payment plans with delinquent customers to bring accounts current.
- Developed and implemented credit and collection policies and procedures.
- Analyzed financial statements and credit reports to determine the creditworthiness of new and existing customers.
- Customer Service for orders, product releases, and Billing questions
- Provided excellent Credit & Finance leadership
Credit Manager
Johns Manville
Denver, CO
06.2003 - 11.2006
- Collaborated cross-functionally with sales, management, and other departments to maintain effective operations.
- Managed reporting, documentation, and recordkeeping requirements for the department.
- Worked with management to evaluate credit strategies and develop improvements.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Managed staff of up to 5 AR associates
Regional Credit Manager
GE Access
Boulder , CO
10.1995 - 04.2001
- Worked with management to evaluate credit strategies and develop improvements.
- Managed reporting, documentation, and recordkeeping requirements for the department.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Reviewed accounts for signs of fraud and non-payment issues.
- Submitted delinquent accounts to the collections department or outside resources.
- Collaborated cross-functionally with sales, management, and other departments to maintain effective operations.
- Compiled data and analyzed latest trends, identifying risks preventatively.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
- Obtained Six Sigma Black Belt certification
Mortgage Broker / Owner
RP Mortgage
Denver, CO
03.2012 - Current
- Negotiated with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, and time extensions.
- Reviewed credit reports to identify debt and determine best-fit strategies for consolidating or eliminating
- Built business base by word of mouth as a result of maintaining positive relationships with former borrowers.
- Clarified mortgage loan process details to educate borrowers.
- Communicated closely with various lenders to obtain the most effective loans for customers purchasing homes.
Education
Bachelor of Science - Finance
Radford University
Radford, VA05.1991
Skills
- Credit Decision Making
- Managing Operations and Efficiency
- Verbal and Written Communication
- Business Relationship Management
- Staff Recruitment and Hiring
- Employee Training Oversight
- Billing Understanding
- Credit Evaluations
- Customer Service
Timeline
Mortgage Broker / Owner
RP Mortgage
03.2012 - Current
Credit & Collections Manager
Arrow Electronics
07.2009 - 01.2012
Credit Manager
Johns Manville
06.2003 - 11.2006
Regional Credit Manager
GE Access
10.1995 - 04.2001
Bachelor of Science - Finance
Radford University