I am looking for a job in the commercial construction industry in the areas of Surety bonding, Financial Analyst, Credit Analyst, Construction Analyst, Accounting, or Finance.
• Responsible for 3 start-up operations, each handling multiple states
• Worked directly with company Presidents and CFOs to improve working capital, net worth and bottom line profits
• Instructed insurance agents and construction contractors about financial statements and the surety bonding process
• 10 years experience in accounting in the areas of job costing, accounts receivable & payable, reconciliation, payroll, collections, legal forms of organization, auditing
• 15 years experience in the commercial construction industry in the areas of accounting, finance, project management, job costing, legal, risk management, customer service
• 15 years experience in underwriting using analytical, negotiation, and conflict resolution skills
• 15 years experience as a credit analyst granting credit up to $10 million in single contract size while maintaining a zero loss ratio which at times included taking collateral in the form of an irrevocable letter of credit
• 15 years experience as a contract analyst reviewing commercial construction, state government, and federal government contracts
• 15 years experience as a financial analyst using pro-forma financial statements, cash flow analysis, trending, forecasting, financial statement analysis and ratios
• Up to 15 years in sales, marketing, and purchasing to the metals, manufacturing, construction, glass and insurance industries
• Excellent oral and written communication skills
• Proficient in Microsoft Word, Microsoft Office, Microsoft Outlook, Microsoft Excel, Lotus Notes, QuickBooks
Professional Experience & Accomplishments
Old Republic Insurance, Atlanta, GA 2008-2009
Contract Manager, Insurance Underwriters
• Generated second highest in branch revenues out of 12 branches nationwide in 2008
• Generated more than 10% increase in production revenues in 2008
• Increased both client and individual portfolios of business
• Maintained zero loss ratio
Contract Work for Commercial Construction, Atlanta, GA 2004-2008
Consultant, Accountant, Bookkeeper
• Captured $30k in savings on insurance renewal premiums
• Recovered more than $150k recovered in bad debt write-offs over 2 years old
• Performed initial accounting set-up on QuickBooks, including building chart of accounts
• Customized invoices and statements to meet clients needs
• Reviewed construction contracts and suggested changes to company owners in order to limit exposure and risk
• Improved client financial position by increasing working capital and decreasing debt
Cheryl C. Black Page 2 of 2
• Improved job costing and percentage of completion accounting
• Increased bank lines of credit by using knowledge of asset based lending underwriting
First Sealord Surety, Inc., Atlanta, GA 2003-2004
Atlanta Gateway Manager, Insurance Underwriters
• Solely responsible for new branch start-up operation in Georgia
• Organized, managed, and hosted the open house with more than 60 agents in attendance
• Initiated and implemented appointing more than 60 new agent contracts in less than 30 days
Safeco Insurance Company, Duluth, GA 1994-2003
Senior Contract Bond Representative, Insurance Underwriters
• Solely responsible for new product line start-up operation servicing 5 states
• Implemented new product line in two branches using my marketing strategies, talents, proficiencies
• Maintained zero loss ratio
• Appointed and marketed to more than 100 property casualty insurance agents
• Served as a guest featured speaker at the Atlanta Minority Conference for Construction
AmWest Surety Insurance Company, Atlanta, GA 1987-1994
Assistant Branch Manager, Insurance Underwriters
• Responsible for new branch start-up operation servicing the southeastern U.S.
• Supervised, trained, and managed up to six employees
• Performed cold calling, appointing, and marketing to more than 250 property casualty insurance agents throughout the southeastern U.S.
• Underwrote $1 million in single contract authority
• $300,000 in monthly revenues
Education
Georgia State University, Atlanta, GA
BBA Business Management
Honors & Professional Affiliations
Surety Association of Georgia- former President and acting Secretary/Treasurer
Receiptant of the Silver Award in 2003 from the Surety Information Office of America
Member of the Georgian Club, Georgia Alliance of Private Clubs
References Available on Request
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