DEE HOWLETT 10181 Chambers Drive Commerce City, CO 80022 303-524-9548 CAREER SUMMARY Results-focused, quality-driven professional with

extensive experience in CMO, c redit collections, supervision, customer retention, demonstrating consistent ach ievement of objectives, strong multi-tasking and service skills, and a dedicatio n to organizational goals. Advanced relationship development abilities, with a p roven track record of improving DSO and aging reductions. Managed $1-20M in comm ercial and residential aging accounts. PROFESSIONAL PROFILE Credit Manager August 2004 - July 2009 Rocky Mountain Ready Mix Concrete, Inc. Englewood, CO Status: Company was sold in July 2009 *Managed $1-5 million annually in commercial and residential aging accounts for a ready-mixed concrete manufacturing company. *Analyzed credit information in order to identify and reduce risk factors involv ed in lending credit to customers. *Identified, documented and reported credit irregularities and abnormal account activity to upper management resulting in thousands of dollars in corporate savi ngs. *Supervised one administrative staff. *Evaluated department (staff) credit decisions resulting in improved aging recei vables from 90 days to 60 days. *Responsible for filing liens, signing lien waivers, assisting attorneys and col lection agencies on bad debt recovery. *Prepared monthly/quarterly collection reports for the CEO. *Developed a job documentation manual that standardized credit policies and proc edures. Senior Credit Manager January 1998 - July 2004 White Cap Industries, Inc. Denver, CO *Managed $1-20 million in commercial collections annually for a supplier of tool s and specialty materials to professional contractors. *Determined client's credit analysis, credit limits and risk ratings. *Provided credit worthiness assessment for accounts with high exposure. *Managed high profile delinquent accounts and negotiated collections. *Cultivated relationships with the sales team which improved collection goals by 20%. *Oversaw on-going credit worthiness of established accounts. *Responsible for managing the CMO functions in the following states: Colorado, N ew Mexico, Arizona, Nevada, California and Wyoming. Filed liens & pre-liens in a ll the above states. Credit Manager Tower Beverages of Colorado February 1992 - January 1998 Denver, CO

*Managed $100,000-$500,000 in commercial aging accounts for a beverage distribut ion company. Made daily collection calls on all delinquent accounts. Prepare inv oices for posting & mailing. End of month review for bad debt write off's. *Provided specific recommendations to Controller regarding credit limits and ris k ratings. *Worked with individual clients to discuss their high-volume accounts & future p urchases *Directed workflow, supervised and trained two staff employees. EDUCATION AND PROFESSIONAL LICENSE University of Albuquerque Courses taken towards BA Psychology Notary Public - Expires 3-14-13 PROFESSIONAL AFFILIATIONS Mountain States Commercial Credit National Association of Credit Management