Seasoned Credit, Collections, and Accounts Receivable Manager with over 20 years of expertise leading high-performing teams, managing credit risk, and overseeing multi-state AR operations. Adept at balancing strong financial controls with customer-focused relationship management, including multi-family construction project oversight and corporate credit policies. Demonstrated success partnering with Sales, Finance, and Executive leadership to align credit strategy with business objectives, enhance cash flow, and minimize financial exposure. Proficient in ERP systems, GAAP, and SOX compliance, and training and mentoring staff to drive departmental consistency and operational excellence.