Ryan J.

Division Credit Manager @Greentech Renewables

Rancho Cucamonga, CA, US

Manage staff of six including hiring, training and development, performance reviews, discipline and terminations.Analyze market trends using clustering analysis in emerging solar markets for start-up Greentech stores. Time Series analysis on permitting, logistics, and government incentives to project sales and growth. Research was driven using local municipality databases and trends from Hawaii and other mature solar markets; Cash flow analysis using 3-statement model on public solar companies to mitigate downstream riskGrew direct-pay sales with SoCal customers 400% and mitigated $10M+ in existing ARDevelop best practices with direct-pay finance partners and solar customers to ensure steady cash-flow through Excel projections using EBITDA and growth numbers. Automate internal job-account, prelim, and lien processes through employee productivity analysis and bots, allowing 100% growth of revenue with little to no hiring within credit offices.Overhauled the company\'s worst performing credit division in less than a year by implementing staff changes and best practices resulting in becoming one of the offices used to train new managers and traineesEstablish credit limits/payment terms based on financial analysis and creditworthiness of business owners.Secure accounts with mechanics liens, personal guarantees, letters of credit, UCC-1s and note agreements.Negotiate settlements with general contractors/property owners on projects ranging from $1K-1M.Maintain direct interaction with 22 profit center managers, their sales staff, and customers to mitigate credit risk while maintaining successful business relationships.Dropped DSO from 90 days to 38 and maintained write-off numbers less than.5% of overall sales in divisionOffer consulting to start-up and struggling customers, solar companies, regarding cash flow management, processes, and risk mitigation.