Charles Caldwell
Amory
Summary
Experienced Credit Manager driven to minimize risk while capitalizing on opportunities to accomplish company objectives in sales, customer growth, and bottom line profitability.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Credit Manager
Steel Dynamics Inc
Columbus
08.2006 - Current
- Develop credit policies and procedures to streamline approval processes.
- Manage credit risk assessments for customer accounts at Steel Dynamics Inc.
- Review customer and applicant financial statements for credit limit approvals and updates. Supervise the application of all customer payments.
- Responsible for all past-due customer collections, dispute resolution, and ensuring quality claims and deductions are investigated by Quality teams.
- Process customer rebate accruals, payments, and G&L reconciliation.
- Maintain all customer credit files according to company policies, and with utmost
- confidentiality.
- Review all customer orders outside preset auto-approval standards for approval.
- Achieved DSO consistently below 30 days, and past due percentages below 15%.
- Reviewed and updated SOX maps for Sales, Claims, Accounts Receivable, Credit, and Shipping.
- All other customer financial services
Credit Analyst
Cadence Bank
Columbus
12.2005 - 08.2007
- Analyze customer financial statements for commercial loan approval.
- I wrote executive summaries on all commercial loan customers for loan officers to present to the loan committee for approval.
- Served as liaison between loan officers and the loan committee for loan approvals and renewals.
- Maintained current financial statements, financial metrics, and ratios for all customers for periodic reviews.
National Credit Manager
Lane Furniture Industries
Tupelo
04.1998 - 12.2005
- Assessed credit applications and determined risk levels for approval decisions.
- Managed national credit policy development and implementation across multiple regions.
- Handled all collections and order approvals for national accounts.
- Supervised claims department for quick resolution of customer claims and deductions
Education
BBA - Management
University of Mississippi
University, MS08-1991
Skills
- Credit risk assessment
- Credit policy development
- Financial statement analysis
- Claims resolution management
- SOX compliance review
- Credit limit approval
- Credit evaluations
- Credit risk management
- Customer relationship management
- Risk analysis
Certification
- Member National Association of Credit Management
Timeline
Credit Manager
Steel Dynamics Inc
08.2006 - Current
Credit Analyst
Cadence Bank
12.2005 - 08.2007
National Credit Manager
Lane Furniture Industries
04.1998 - 12.2005
BBA - Management
University of Mississippi