Cheryl Pinson
Credit Risk Management
St. Louis
Summary
Experienced credit risk manager and strategic thinker with a passion for driving organizational success and fostering a collaborative team environment. Utilizes leadership skills to drive team performance and operational excellence. Track record of delivering high-impact results through innovative problem-solving and effective communication.
Overview
23
23
years of professional experience
2001
2001
years of post-secondary education
6
6
Certifications
Work History
Director of Global Credit Risk Management
Bunge Global S.A.
06.2020 - Current
- Developed and led high-performing, global team of 75+ credit risk professionals by providing mentorship, guidance, and opportunities for professional growth
- Responsible for global credit exposure North, Central and South America, the EMEA region and Asia of $80B annually
- Reporting directly to the Chief Risk Officer, responsible for projects and enterprise risk improvements for the business
- Held credit lending authority up to $50M
- Drafted and maintained the Global Credit Policy
- Lead the credit function in multiple M&A opportunities
- Chaired the Global Credit Committee monthly to present credit risk concerns, projects and insights to the ELT
- Prepared talking points for the CEO to deliver to the St Louis Federal Reserve Board meetings
- Utilizing AI and Data Analytics, developed reporting tools to identify hidden risk and potential defaulters sooner
- Cultivated a positive work environment that fostered employee engagement, increased retention rates, and boosted overall team morale.
Director of Credit and Collections, North America
Bunge Global S.A.
09.2015 - 06.2020
- Managed the North America portfolio of $12B annually for a publicly traded commodity trading organization, overseeing a team of twelve credit, collection and cash application team members as well as twenty internationally outsourced collectors
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Provided monthly and quarterly reporting to upper management showing default trends, credit limit breaches, bad debt reserves and potential default concerns
- Developed constructive business relationships between Sales, Customer Service, Collections and the Credit team
- Managed all Bankruptcy filings and Sanctioned Party checking
- Oversaw all internal and external audits of the credit department
Global Credit Manager and Assistant Treasurer
Watlow Electric Manufacturing Co.
04.2005 - 09.2015
- Managed all aspects of credit, collections, cash application and accounts receivables for a company with global sales in excess of $500M per year, managing a team of five credit and collection analysts
- Approved credit limits for customers within my lending authority
- Responsible for maintaining DSO, improving cash flow and cash application processes and controlling the invoicing and billing process
- Worked frequently with cross functional teams, including Sales, Customer Service, Supply Chain, Manufacturing and IT to identify and implement process improvement opportunities using Lean concepts
- Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
- Participated in multiple Kaizen events and lead several events with cross functional teams
- As Asst. Treasurere, oversaw management of all corporate insurance duties including Workers Compensation, Property, General Liability and Errors and Omissions insurance. Negotiated fees and services each year with our bank and insurance companies. Oversaw a change in transfer agent for private company shareholders. Served as a member of the Pension Committee.
Credit and Collection Supervisor
Sigma-Aldrich Chemical Inc.
06.2004 - 04.2005
- Supervised group consisting of six Collectors, Customer Service Representatives and Credit Analysts
- Implemented continuous process improvements through regular review of policies, procedures, and best practices in the credit and collections field.
- Helped established Sarbanes Oxley criteria which helped us to receive the highest possible rating on both internal and external audits
Asset Management Specialist and Team Leader
General Electric Commercial Finance Corporation
06.2003 - 06.2004
- Responsible for maximizing asset recovery for defaulted loan through auctions, foreclosure or private sale of collateral pledged for US Small Business Administration loans
- Developed a strategy to sell environmentally tainted real estate without GE ever having to take possession
- Obtained Green Belt / Six Sigma Certification
- Met with customers in an effort to find solutions to their delinquency and cash flow problems
Liquidation Specialist
General Electric Commercial Finance Corporation
01.2002 - 06.2003
- Modify or work out defaulted US Small Business Administration loans
Education
Bachelor of Business Administration -
Fontbonne University
Masters - Finance
Webster University
Executive MBA - undefined
Washington University
Skills
Credit risk management
Leadership
Problem-solving
Project management
People management
Decision-making
Relationship building
Certification
Six Sigma / Greenbelt Certified
Training
National Association of Credit Managers (NACM) - As a long time member of NACM, I have also served as a trainer and instructor for several years. I have conducted many seminar sessions, sat on panels at conferences and taught 12 week courses to other credit professionals preparing for thier certification tests. In 2015 I was awarded National Instructor of the Year by NACM.
Timeline
Director of Global Credit Risk Management
Bunge Global S.A.
06.2020 - Current
Director of Credit and Collections, North America
Bunge Global S.A.
09.2015 - 06.2020
Global Credit Manager and Assistant Treasurer
Watlow Electric Manufacturing Co.
04.2005 - 09.2015
Credit and Collection Supervisor
Sigma-Aldrich Chemical Inc.
06.2004 - 04.2005
Asset Management Specialist and Team Leader
General Electric Commercial Finance Corporation
06.2003 - 06.2004
Liquidation Specialist
General Electric Commercial Finance Corporation
01.2002 - 06.2003
Masters - Finance
Webster University
Executive MBA - undefined
Washington University
Six Sigma / Greenbelt Certified
Bronze & Silver Certification in Lean Accounting & Manufacturing Processes
National Association of Credit Managers (NACM) – CCE Certified and CICP Certified
ACAMS Anti Money Laundering Certified
CCE
CICP
Bachelor of Business Administration -
Fontbonne University
Similar Profiles
Ridhish BataviaRidhish Batavia
Director of Derivatives Trading at Bunge Global SADirector of Derivatives Trading at Bunge Global SA
Genesi FelizGenesi Feliz
Customer Service Representative at Global Marketing Worldwide S.A.Customer Service Representative at Global Marketing Worldwide S.A.
Anibal CortezAnibal Cortez
Supervisor of Operations at New Market Global Communication S.A (Sportsbook)Supervisor of Operations at New Market Global Communication S.A (Sportsbook)