1. DAVID MISSORY (NACM)
11113 N. Radner Way Raleigh, NC 27613 (919) 949-9140
DMissory@hotmail.com
OBJECTIVE:
Credit and collection responsibilities utilizing team building, analytical and problem solving strategy to
ensure a reduction in the average day’s delinquency parameter.
AS QUALIFIED BY:
A certified NACM and FCIB , successfulexperience in credit/customer relations including the following
categories: extensive experience in credit analysis and collection functions...Credit department
organization...Statement analysis and credit line establishment...Legal affairs... Minimizing
bankruptcy…Provided customer relations promoting repeat business and prompt payment...Familiarity with
SAP, Excel, Lotus, Outlook, Infinium, and Oracle.
REICHHOLDINC.,Durham, NC
Senior Collection Specialist (2002-11-13-2015)
 Maintaining a $400,000,000. (year) portfolio spanning over 300 accounts at 97% current by enforcing
credit terms while establishing an outstanding rapport with the customer base. Extremely proficient in
servicing large volume accounts such as Sherwin Williams, Ashland,Akzo Nobel as well as mid level
to lower level accounts. Forecasted cash flow on a weekly basis
 Maximize accounts receivable cash flow by reducing the daily sales outstanding from 63.7 days to
41.7 days reducing past due receivables by 10% by offering discounts and automating billing practices.
 Reduced the average day’s delinquency from 13 days to 2 days through various credit procedures.
 Responsible for various reporting activities to upper management: Monthly SBU analysis, residual
tracking, Reimer`s reporting as well as active participation.
 Review and evaluate credit risks, Dunn & Bradstreet reports, credit matrixes and other related credit
information: extend credit to new and existing customers within established limits and practices.
 Establish credit limits, determine special credit arrangements and resolve collection problems such as
credit hold.
 Worked closely with sales, customer service, cash applications and marketing departments to resolve
delinquency issues.
INVENSYS ENERGYSYSTEMS, (Powerware) Raleigh, NC
Credit Supervisor (2001-2002)
 Reduced a $50,000,000 (monthly). Portfolio to $30,000,000. in a 5 month span with a forty percent
reduction in the past due balance. Authorization up to $1,500,000 on credit limits.
 Reduced the daily sales outstanding from 90 days to 50 days by pre-calling accounts, utilizing sound
business credit practices such as stricter credit limits and developing strong relationships with the
clientele.
 Resolved $9,000,000.in disputed items through investigation as well as enlisting field personnelfor
resolution.
 Supervised the daily activities of a 4 person staff providing support on difficult accounts encouraging
them on two day call backs concerning statements or delinquent accounts. Oversaw cash applications
involving posting activities.
 Established a strongerrapport with sales representatives enlisting them as field collection agents
ensuring maximum coverage on accounts before credit terms were withdrawn. Developed a stronger
relationship with Customer Service on eliminating billing issues,aided in pricing issues,account setup
or general invoicing issues.
 Streamlined monthly Credit and Collection reports by automating three reports into one emphasizing
percent current, ADD, DSO, BPDSO, plus monthly bad debt versus year to date.

2. BELL & HOWELL MAIL AND MESSAGING TECHNOLOGIES, Raleigh, NC
Credit Analyst (1999 -2001)
 Maintained a $100,000,000 (year) portfolio at 10% past due by utilizing credit treatment programs to
fullest extent. Assisted BHFS on in house financing ranging from an additional $25,000,000 to
$30,000,000 a year. Majority of the account base was established fortune five hundred customers that
included AT&T, Bank of America, Chase, Citicorp, Bell South as well as several others,plus medium
sized accounts
 Established credit limits up to $3M for customers by analyzing D&B, Experian reports,financial
statements and other available credit information.
 Managed daily activity by providing strong hands on support overseeing two collector`s and cash
applications. Main collection concentration on lower level accounts,upgrades or service billings.
 Prepared monthly collection performance reports by analyzing collections, product lines, and accounts
receivable aging.
 Assisted external auditors by providing data regarding past due receivables aged 121+ and over
$50,000.
FCIB
BPS EQUIPMENT RENTALS AND SALES,Raleigh, NC
Credit Manager (1996 - 1999)
 Increased customer base by 35% making special arrangements with marginal accounts while utilizing
positive credit practices to maintain a 45 day or less delinquency on 90% of accounts.
 Reconciled accounts receivables and balanced accounts receivables with invoice audit report. Posted
payments, performed various general ledger duties,and reconciled bank statements.
 Pre-qualified new accounts and set credit limits utilizing financial reports,Credit Bureaus, and NACM.
 Analyzed billings and monthly statements for accuracy.
 Attended sales meetings to present and discuss concerns about daily aging report, target markets, and
develop new agendas.
FAULKNER/BAKER & ASSOCIATES, INC., Raleigh, NC
Credit Manager (1995 - 1996)
 Maintained accounts receivable at a consistent 88% (national average 75 %( within credit terms
through diligent credit investigation,spreadsheet analysis,and counseling delinquent accounts.
 Established positive customer relations by resolving complaints, concerns and providing sales force
support.
 Worked closely with attorneys negotiating payments from bad debt cus tomers and enacted legal
proceedings to ensure payment.
 Participated in National Association of Credit Managers (NACM) meetings and seminars gaining
valuable credit information on marginal accounts,potentialcredit risks, new legislation, and improved
credit techniques to enhance collection efforts.
 Developed job cost reports and accrual basis net income (loss) calculation reports to determine
financial stability.
EDUCATION/CERTIFICATIONS:
OHIO UNIVERSITY, Athens, Ohio
Bachelor of Science in Communications w/minor in Psychology
Emphasis in Marketing/Public Relations Management
NACM: Financial Statement Analysis, Accounting, and Business Credit (CBA)
FCIB: International credit and risk management.
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