1. 1
Personal data resume
Identification (personalia) :
Name: René Constantijn van der Wouden
Address: Bleulandweg 346, NL-2803HN Gouda, The Netherlands
Place of Birth: Reeuwijk, The Netherlands (1972)
Sexe: male
Marital status: single, no children
Nationality: Dutch
Phone: +31 (0)614899031
Company: RCW Credit Management & Finance (registered at Dutch Chamber of Commerce)
E-mail: info@rcw-creditandfinance.nl
LinkedIN: nl.linkedin.com/in/renevanderwouden/
Career/business objective:
Looking for a challenging and responsible porject where abilities, education, and experience will have
value to allow me utilizing my analytical skills within the company for its benefits
Education & training:
2005 Faculty of Law University Leiden, propaedeutic diploma Dutch law,
1998 Staatsexamen certificates pre-university education English, sociology en philosophy
1997 Teacher training course English propaedeutic diploma
1991 Middelbaar Middenstands Onderwijs (trading licence), diploma
1989 Lower General Secondary Education, diploma
Employment/Work history:
July 2013: Owner RCW Credit Management and Finance www.rcw-creditandfinance.nl
May 2012 until September 2012: Credit analyst for TMU Aluminium BHP Billiton office The Hague:
• Conducting annual / interim credit application reviews (CAR) for TMU aluminium open account
customers and continuous review for open non-financial institution counterparties
• Facilitating review of credit risk exposure reports and conduct follow up investigation
• Performing credit risk control and governance for marketing with maintenance of credit master
data and monitoring of credit exposures through 1SAP and BI reports
• Processing SAP Business intelligence for ALU TMU counterparties
• Responsible for review and coordination of credit blocks, credit incidents
• Responsible for proper documentation of relevant credit related approvals and documents
• Management reporting: responsable for daily credit report (includes excess, overdue, credit
exposure and suspended counterparties, weekly credit report (includes Accounts
Receivable/Market-to-market), Sovereign & Financial Institutions exposure, CAR status and
Credit Review

2. 2
• Facilitating generation, collation and follow up on key credit risk management reports to
management
• Responsible for approval of new counterparties and/or changes to existing counterparties credit
master data
• Trade Finance related information and documentation from Standard & Poors, Moodys,
Bloomberg, Goldman Sachs and Reuters
April 2010 until May 2011: Credit Analyst for the Credit Department at Ingram Micro NL (a Fortune 100
company, is the world’s largest technology distributor)
• Perform sound financial analysis on all Ingram Micro Netherlands customers B2B in order to
ensure that proper credit limits are applied at all times. Limits applied should be based on:
• Proper risk assessment assumptions that should minimize the risk of AR write offs
• Proper commercial and business assumptions in order to maximally support the business and
customer demand
• Develop and maintain Credit management tools and procedures that adequately address each of
the following categories: uninsured limits below the threshold, limits insured through our Credit
insurance company Atradius, uninsured limits on specific customers over and above insurance
and over and above the threshold
• Strong liaison and cooperation with Credit Manager and CFO
• Perform customer visits to obtain (non)-financial information to identify risks and opportunities
• Direct report to the CFO and closely co-operation with the Credit Manager
June 2007 to April 2010: Interim assignments as Credit Analyst and Credit Controller for BurlinQ BV
stationed for different projects at FGA Capital Finance, Rockwell Automation (Brussels, Belgium &
Haan, Germany), RWE Energy en Het CAK Den Haag
• Produce credit review submissions for credit application on car loans under 30K on analyzing
financial annual statements and its trends;
• Develop and produce value add services and efficiencies to the credit function and looking for
opportunity to improve business performance and delivery;
• Review credit applications & existing limits; analyze financial statements and other credit data to
determine the credit worthiness of applicants of Toyota Dealers;
• Process write offs, credit memos, and merchandise charge backs;
• Contact client via email, phone, or fax regarding past due payment of invoices;
• Offset credits for previous delinquency;
• Review aging reports, reconcile clients account, and prepare customer refunds;
• Business to business collections & reviewed monthly Owning circuits balance report.
August 2005 to March 2007: legal collections and risk officer for Goudse Verzekeringen (insurance
company)
• Managed client's concerns and queries regarding invoices and resolving disputes, analyzes and
reconciles unpaid balances of provision.
• Preparation of cash collection letters for the outstanding accounts of insurance intermediaries.
• Collection of outstanding provision debts of insurance intermediaries who have accounts with
the insurance company

3. 3
• Online Company and Business Searches with strong risk analysis for new applications of
intermediaries;
April 2003 to February 2005: Credit & Collection Staff Officer Legal Administration at bailiff Office
collection agency - Nederlandse Deurwaarders Association Utrecht & Intrum Justitia The Hague
• Prepared weekly and monthly cash collection status of clients and cash collection status for the
management.
• Collection of outstanding loan payments of financial institutions (their main clients) by calls and
letters of reminder and issues and services of all legal processes and assistance in repossession
of financed objects
• Conducting writs of summons, petitions for compulsory liquidation, and assistance to lawyers for
petitions for liquidation and bankruptcy
• Online Company and Business Searches at Chamber of Commerce
May 2001 to March 2003: Assistant Tax controller income tax expat residents at Deloitte & Touche NL
October 2000 to April 2001: legal assistant Law firm Van der Wouden & Bonarius Rotterdam
November 1991 - September 2000: fulltime salesman at The Netherlands largest discount store –
Hema BV
Special skiIls
• Fluent in English and Dutch and good clarity of expression (written and oral)
• Reading financial statements in Dutch and English
• Experienced Microsoft Office user
Hobbies
• Listening to music, Sports, 3x fitness per week, observing stock markets