Credit Manager, Controller, Credit Risk Analysis, Collections

English, French, Spanish

Carlos S. Guido, Laval (Montreal), Québec, Canada

- cgprowork@gmail.com

SUMMARY OF QUALIFICATIONS

  Over 10 years of experience in Credit and Collections (Canada, USA & Latin America) Superior cultural skills to interact with a global customer base Analysis of Financial Statements for credit risk purposes Fluent in French, English & Spanish Solid knowledge of Accounting, Financial Statements, etc Good negotiator, polite. Effective to improve the receivables status in the balance sheet Excellent reporting ability, multi-tasking, computer literate


 

CAREER BACKGROUND CREDIT CONSULTANT
MEDTRONIC, Kirkland, Qc Jan 09/Apr 09 In April/09 I finished a 4 months Credit & Collection Consultant Contract in Kirkland, Quebec with CryoCath Technologies, (Medical equipment manufacturers) which was been acquired by MedTronic, a large American Corporation. Organizing and collecting accounts 1 to 4 years old. Analyzing credit policies, cash flows, adjusting journal entries, and in general updating the Accounts Receivables to deliver a clean Balance Sheet to the new owners. RIVIERA-BARMISH INC., Montréal, Qc

CREDIT MANAGER
o

Mar 08/Oct 08

Apparel industry based in Toronto & Montreal, with most of its sales in U.S. (Sales in excess of $ 25 M).

o Analyzing new accounts and approving credit limits (mostly U.S. accounts)
Contacting commercial references and Credit Bureaus (US & Canada) o Collecting accounts and holding them when payments fell behind schedule o Sending different levels of collection letters depending on degree of payment delays o Producing and analyzing monthly ageing report o Preparing claims and successfully recovering from Receivables Insurance firm

COLLECTION AGENT
Collection Agencies located in Laval

CBV/GCR COLLECTIONS, Montréal, Qc

Oct 05/Feb 08

o Managing over 1000 accounts
o o o o Respectable amount of collections achieved Keeping updated file of each account to keep a consistent follow-up Customer service and financial advice to clients in economical distress Weekly reporting of percentage of target attained.

CREDIT MANAGER

DOGREE FASHIONS., Montréal, Qc

Feb 05/ Sep 05

Textile industry with distributors in US, Puerto Rico, Canada & Mexico (Sales over US$50 M) • Managing large American & Canadian accounts – (800 American) (1000 Canadian) o Approving credit for new accounts, based in Financial Statements and Credit Reports o Total Account receivable in excess of $15,000.000 per month o Assessing regularly credit status of each client to reduce exposure to bad debts o Regular contact with credit bureaus in U.S. and Canada o Yearly sales in excess of $ 50 M. o Revising claims, returns, pricing, etc.

SR. COLLECTION OFFICER NCO FINANCIAL, Montréal, Qc

Nov 2001-Dec 2004

Largest Collection Agency in the world, based in Philadelphia (Office in Montreal) o Successfully collecting (over 1000 accts) Capital One Visas & Master Cards in the U.S. o Exceeded my goal in my second month with the organization o Always respected the American FDCPA (Federal collection regulations) o Customer service provided to debtors in financial distress o Attained my monthly goal and commissions on a regular basis

CREDIT & PROJECTS MGR. MIDATLANTIC CAPITAL, Coral Gables, Fl
International Loan & Credit consulting firm in Coral Gables, Fl (Projects between $5 & 10 M.)

1995-2001

Advised foreign businesses in applying for international loans in U.K. & U.S. Prepared Business Plans, Financial Statements & Executive Summaries Importing products from Taiwan to Central America Implemented export department for American company in Homestead, Florida Participated in negotiations in Miami, New York, Bahamas, Taiwan, Latin America o Successfully presented damages claim to the SBA (Small Business Administration) in Tallahassee, Fl. on behalf of an American company damaged by hurricane Andrew. o o o o o

CORPORATE CONTROLLER ELECTRITEK INC, LaSalle, Qc

1990-1994

Corporation associated with the construction industry (large electric projects) o Preparation and analysis of consolidated financial statements of 4 companies o Managed credit line of over $1 Million with CIBC o Created an Import firm within the corporate organization – travels to Taiwan o Managed credit and collection in excess of $10 Million per year o Reduced collection time (DSO) from 75 to 42 days o Controlled over 120 projects and payroll of about 150 employees per year o Authorized signing officer

EDUCATION
National University
Nicaragua

Bachelor in Accounting & Commerce
Validated by le Ministère de l’Éducation du Québec

National College of Commerce

General Accountant

Courses & Seminars
The Phoenix Seminar AT & T Canada Momentis Canada software Collections & FDCPA Federal regulations Peak Performance Training UNIX System Administration Credit & Collection Management NCO Collection Training Shop

References available upon request