Paul Grindall
North York,ON
Summary
Experienced credit and collections expert Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Results-driven experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Credit Manager
Axis Auto Finance
04.2015 - 08.2023
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Director of Collections
Eden Park Inc.
01.2011 - 04.2015
- Managed experienced team of direct-hire and outsourced collection specialists.
- Delivered cash collection, factoring, disputes and bad debt reporting to executive leadership.
- Led customer-specific initiatives such as root cause analysis and implemented collection process improvements.
- Improved collections and disputes process through use of [Software] collections tool.
- Directed collections and accounts receivable operations in multinational environments.
Credit Risk Manager
DM Financial
05.2005 - 01.2011
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- 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.
- Adhered to banking standards and government lending guidelines for loan services.
Collections Manager
NCO Financial Investigative Services
05.1998 - 01.2005
- Trained and mentored new employees on collection methods, documentation requirements and performance strategies.
- Researched accounts and completed due diligence to resolve collection problems.
- Supervised staff of collectors, monitoring phone calls and letters.
- Contacted customers to discuss late payments and options for remitting amounts due.
- Conducted investigations of customer accounts and payment histories.
Education
MBA - Executive MBA
University of Toronto Rotman Scholl of Management
Toronto, ON05.2020
Bachelor of Arts - Business Administration
University of Toronto
Toronto, ON05.2004
Skills
- Risk Mitigation
- Policy Development
- Cost and Budget Analysis
- Client Relationship Management
- Sales Expertise
- Creditworthiness Evaluations
- Managing Defaults
- Fraud Understanding
- Strategic Planning
Certification
- Executive Leadership, LinkedIn, 07/2021, Present
- Building High-Performance Teams, LinkedIn, 07/2021, Present
- Coaching and Developing Employees, LinkedIn, 06/2021, Present
- Financial Basics Everyone Should Know, LinkedIn, 06/2021, Present
Languages
English
Native or Bilingual
Timeline
Credit Manager
Axis Auto Finance
04.2015 - 08.2023
Director of Collections
Eden Park Inc.
01.2011 - 04.2015
Credit Risk Manager
DM Financial
05.2005 - 01.2011
Collections Manager
NCO Financial Investigative Services
05.1998 - 01.2005
MBA - Executive MBA
University of Toronto Rotman Scholl of Management
Bachelor of Arts - Business Administration
University of Toronto
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