Michael Block

About Michael Block

A hands on leader providing financial strategy to domestic and international customer base, measuring operational performance including margin, inventory control, key financial ratio\'s, growth opportunities and financing needs. Leading the Retail Finance group with hands on insight, managing reserves, claims, accounts receivable, credit, loans, revenue cycle, and annual budget. Developed a group of credit managers and analysts to efficiently manage risk, underwrite proposals, practice speed to market, pipeline management, and perform operational excellence. Partnering with sales teams to manage risk while growing customer base and increasing market share. Measure ROI of new business as part of approval and negotiation process. Serve as escalation point for final approvals, customer/prospect negotiations, complex financial analysis, and critical collection issues. Assist in key account negotiations and customer onboarding. Participate in cross functional groups and committees to establish new products lines and processes related to growth. Oversee contract compliance through communication to senior leadership, sales team, retail finance, and customers. Works closely with sales and legal verifying documentation for new customers and work out documents. Works with marketing and sales to determine profitability of promotions and incentives related to new and existing customer proposals & products. Partners with sales in customer presentations, proposal structure, margin analysis and forecast. Participate in continuous improvement coaching sessions and strategic planning committees with Sales, operations, and marketing. Improving efficiencies relate to warehouse optimization, operations work flow, contract review/compliance, and customer/supplier negation\'s.For additional information about my experience please feel free to contact me at b••••••••@yahoo.comSpecialties: Leadership, Business Development, Financial Analysis, Portfolio management, P&L, Profitability, Compliance, Risk Management, Commercial lending for construction, CRE, C&I, working capital lines of credit, restructure existing business debt/finances, business acquisition, practice finance and healthcare. Cash flow analysis, credit and collections analysis, underwriting, financial statement analysis, and mitigating risk.

Experience

1. Director of Operations - Strategic Accounts

   Sdi

   Aug 2025 — Present

   Creating efficiencies through process improvements related to inventory optimization, leveraging technology, and improved customer service, for strategic accounts. Continued responsibility over AR, Billing, and Credit Risk.

Education

• Doane University

  Master of Business Administration - MBA, Project Management

• Youngstown State University

  Bachelor of Science in Business Administration

  2000 — 2004

Skills

• Commercial Lending
• Banking
• Construction
• Underwriting
• Credit
• Investment Properties
• Cash Management
• Credit Analysis
• Portfolio Management
• Loans
• Cash Flow
• Mortgage Lending
• Commercial Banking
• Refinance
• Loan Origination
• Finance
• Real Estate
• Small Business Lending
• Lines of Credit
• Real Estate Development
• Small Business
• Insurance
• Commercial Mortgages