Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Mike Moccia

Woodbridge,ON

Summary

Highly qualified Director with a proven track record of consistently delivering the highest levels of performance. Driven to minimize risk while increasing profitability and customer relationship management. Very effective team builder and manager with years of experience developing and coaching successful teams. Detail-oriented and well versed in financial and risk analysis, auditing, reporting and evaluating department operations. Experienced in Month and year end budgeting and forecasting. Meticulous, conscientious and methodical in approach.

Overview

10
10
years of professional experience

Work History

Director of Credit Central Region

Guillevin International Co
08.2020 - Current
  • Improved credit department efficiency by streamlining processes and implementing new technologies.
  • Developed strong relationships with clients, ensuring timely payments and minimizing delinquencies.
  • Collaborated with sales and marketing teams to develop strategic plans for customer acquisition and retention.
  • Managed a team of credit analysts, providing guidance and support to ensure accurate risk assessments.
  • Reduced bad debt write-offs by implementing proactive collection strategies and monitoring high-risk accounts closely.
  • Enhanced overall portfolio quality by conducting thorough reviews of existing client accounts.
  • Provided ongoing training for credit department staff, fostering professional growth and development among team members.
  • Worked closely with legal counsel on complex cases, mitigating potential losses through timely resolution of disputes.
  • Implemented credit scoring models to facilitate faster decision-making processes while maintaining low default rates.
  • Negotiated favorable terms with suppliers, improving cash flow management within the organization.
  • Optimized credit policies and procedures in accordance with industry best practices, resulting in improved risk management capabilities.
  • Prepared detailed reports for executive management, highlighting key performance indicators related to the company's credit activities.
  • Oversaw reporting, documentation and record keeping requirements for department.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Developed strategies to expedite payments and customer resolutions.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Compiled data critical to analysis of annual bad debt.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Referred delinquent accounts to collections department or outside resources.
  • Optimized credit approval and collection processes, improving operational efficiencies by over 30%.
  • Used Equifaxuifax and Dun & Bradstreet to perform credit appraisals, document verification and loan approvals.
  • Collaborated with C-level executives and stakeholders to develop long-term financial plans.

National Credit Manager

Desco Plumbing And Heating Supply
04.2014 - 07.2020
  • Enhanced credit management processes by implementing efficient risk assessment strategies and tools.
  • Streamlined workflow for the credit team, resulting in improved productivity and reduced processing time.
  • Reduced bad debt by closely monitoring high-risk accounts and implementing proactive collection measures.
  • Developed comprehensive training programs for new hires, ensuring a strong understanding of credit policies and procedures.
  • Established solid relationships with key clients, fostering trust and open communication to resolve issues promptly.
  • Collaborated with sales teams to evaluate customer creditworthiness, leading to informed decisions on extending or reducing lines of credit.
  • Conducted regular account reviews, identifying potential risks and taking appropriate action to prevent losses.
  • Revamped outdated credit policies, aligning them with industry best practices to mitigate financial risks effectively.
  • Managed a high-performing credit team through consistent leadership, guidance, and performance evaluations.
  • Negotiated favorable payment terms with customers experiencing hardships, preventing further delinquency while maintaining client relationships.
  • Optimized cash flow by initiating strategic collection efforts and actively collaborating with customers to establish mutually beneficial payment plans.
  • Collaborated with legal counsel on complex cases, ensuring proper documentation and adherence to regulatory requirements during collections proceedings.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Provided training and consulted with struggling teams to help meet monthly target goals.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Referred delinquent accounts to collections department or outside resources.
  • Optimized credit approval and collection processes, improving operational efficiencies by over 40 %.
  • Evaluated and negotiated contracts to procure favorable financial terms.

Education

Bachelor of Commerce - Economics

University of Toronto
Toronto, ON
05.2001

Skills

  • Loss Mitigation
  • Team Leadership
  • Credit Analysis Expertise
  • Budgeting and Planning
  • Financial Forecasting
  • Credit Policy Development
  • Risk Mitigation
  • Client Relationship Management
  • Risk Analysis
  • Risk Assessment
  • Business Relationship Management

Languages

Italian
Full Professional

Timeline

Director of Credit Central Region

Guillevin International Co
08.2020 - Current

National Credit Manager

Desco Plumbing And Heating Supply
04.2014 - 07.2020

Bachelor of Commerce - Economics

University of Toronto

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Mike Moccia