Randall Schmidt has over 30 years of experience in senior accounts receivable management roles. He has managed receivables portfolios ranging from $6-45 million monthly with annual sales from $75 million to $700 million. He has a proven track record of developing strong customer relations, negotiating difficult accounts, and achieving credit loss ratios between 0-0.0001%.
In these difficult financial times, many former "prime" consumers have been reclassified to "non-prime" as a result of a mortgage modification or foreclosure. This article will help assure they become prime again.
In these difficult financial times, many former "prime" consumers have been reclassified to "non-prime" as a result of a mortgage modification or foreclosure. This article will help assure they become prime again.
My background is useful to you of you are in Small to Mid-size Businesses, Banking, Finance, Healthcare Finance, Film Finance, Microenterprises, High Net Worth Investors, or those in need of process improvements.
The Roman Empire A Historical Colossus.pdfkaushalkr1407
The Roman Empire, a vast and enduring power, stands as one of history's most remarkable civilizations, leaving an indelible imprint on the world. It emerged from the Roman Republic, transitioning into an imperial powerhouse under the leadership of Augustus Caesar in 27 BCE. This transformation marked the beginning of an era defined by unprecedented territorial expansion, architectural marvels, and profound cultural influence.
The empire's roots lie in the city of Rome, founded, according to legend, by Romulus in 753 BCE. Over centuries, Rome evolved from a small settlement to a formidable republic, characterized by a complex political system with elected officials and checks on power. However, internal strife, class conflicts, and military ambitions paved the way for the end of the Republic. Julius Caesar’s dictatorship and subsequent assassination in 44 BCE created a power vacuum, leading to a civil war. Octavian, later Augustus, emerged victorious, heralding the Roman Empire’s birth.
Under Augustus, the empire experienced the Pax Romana, a 200-year period of relative peace and stability. Augustus reformed the military, established efficient administrative systems, and initiated grand construction projects. The empire's borders expanded, encompassing territories from Britain to Egypt and from Spain to the Euphrates. Roman legions, renowned for their discipline and engineering prowess, secured and maintained these vast territories, building roads, fortifications, and cities that facilitated control and integration.
The Roman Empire’s society was hierarchical, with a rigid class system. At the top were the patricians, wealthy elites who held significant political power. Below them were the plebeians, free citizens with limited political influence, and the vast numbers of slaves who formed the backbone of the economy. The family unit was central, governed by the paterfamilias, the male head who held absolute authority.
Culturally, the Romans were eclectic, absorbing and adapting elements from the civilizations they encountered, particularly the Greeks. Roman art, literature, and philosophy reflected this synthesis, creating a rich cultural tapestry. Latin, the Roman language, became the lingua franca of the Western world, influencing numerous modern languages.
Roman architecture and engineering achievements were monumental. They perfected the arch, vault, and dome, constructing enduring structures like the Colosseum, Pantheon, and aqueducts. These engineering marvels not only showcased Roman ingenuity but also served practical purposes, from public entertainment to water supply.
Acetabularia Information For Class 9 .docxvaibhavrinwa19
Acetabularia acetabulum is a single-celled green alga that in its vegetative state is morphologically differentiated into a basal rhizoid and an axially elongated stalk, which bears whorls of branching hairs. The single diploid nucleus resides in the rhizoid.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
How to Make a Field invisible in Odoo 17Celine George
It is possible to hide or invisible some fields in odoo. Commonly using “invisible” attribute in the field definition to invisible the fields. This slide will show how to make a field invisible in odoo 17.
Operation “Blue Star” is the only event in the history of Independent India where the state went into war with its own people. Even after about 40 years it is not clear if it was culmination of states anger over people of the region, a political game of power or start of dictatorial chapter in the democratic setup.
The people of Punjab felt alienated from main stream due to denial of their just demands during a long democratic struggle since independence. As it happen all over the word, it led to militant struggle with great loss of lives of military, police and civilian personnel. Killing of Indira Gandhi and massacre of innocent Sikhs in Delhi and other India cities was also associated with this movement.
Honest Reviews of Tim Han LMA Course Program.pptxtimhan337
Personal development courses are widely available today, with each one promising life-changing outcomes. Tim Han’s Life Mastery Achievers (LMA) Course has drawn a lot of interest. In addition to offering my frank assessment of Success Insider’s LMA Course, this piece examines the course’s effects via a variety of Tim Han LMA course reviews and Success Insider comments.
The French Revolution, which began in 1789, was a period of radical social and political upheaval in France. It marked the decline of absolute monarchies, the rise of secular and democratic republics, and the eventual rise of Napoleon Bonaparte. This revolutionary period is crucial in understanding the transition from feudalism to modernity in Europe.
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Read| The latest issue of The Challenger is here! We are thrilled to announce that our school paper has qualified for the NATIONAL SCHOOLS PRESS CONFERENCE (NSPC) 2024. Thank you for your unwavering support and trust. Dive into the stories that made us stand out!
1. Randall O. Schmidt
718 Brookdale (847) 404-4253
Schaumburg, Illinois 60194 roschmidt49@yahoo.com
Linkedin.com/in/randalloschmidt
Senior accounts receivables manager with global and domestic experience. Demonstrated
record managing risk, secured transactions, strong leadership capabilities, unique talent
for developing solid customer relations and ability to interface top to bottom both
internally and externally.
Global and Domestic
Retail, commercial and international credit: managed credit and collection
services for annual sales from $75 million to $700 million and monthly
receivables from $6 to $45 million.
Secured transactions including UCC and bank letters of credit: achieved credit
loss ratio of 0.0001% while increasing sales and margin.
Negotiated workouts with customers up to and including the CEO level:
facilitated ongoing sales of $7 million on 10 day terms with debt reduction of $2
million resulting in a margin of $382 thousand and positive cash flow.
Managed and facilitated financing for 50 machine tool sales in excess of $18
million with a margin of $5.4 million to a company which later filed bankruptcy
without a loss.
• Uncovered, exposed and eliminated on-going leasing and financial fraud in excess
of $2MM.
• Developed and conducted in house training module on letters of credit for 20
credit decision makers.
• Member of cross functional team organized to implement a customized version of
Oracle Receivable System. Project achieved annual savings of $2MM per year.
• Liaison between American staff and Japanese management achieving cross
cultural respect.
• Key member team to develop training program for new credit executives
2. Career History
KGK International Corporation 1997-2009
Senior Credit Manager
An international trading company and subsidiary of Kanematsu, Tokyo, Japan, importing
machine tools into US.
• Reported directly to the Treasurer.
• Senior Credit Manager for the United States, Canada and a portion of Mexico and
Puerto Rico.
• Managed credit and collection services for two companies, KGK International
Corporation and Sodick Inc. with total combined annual Sales of $75 million.
• Achieved credit loss ratio of 0% for key machine sales and less than .0005% for
parts and service billings.
• Initiated and facilitated financing for key customers.
Randall O. Schmidt Page 2
The Uno-Ven Company
Credit and Collections Supervisor- The Uno-Ven Company (1989-1997)
Credit and Collections Supervisor- Unocal Corporation (1982-1997)
Joint venture formed in 1989 between Unocal Corporation, a Fortune 500 petroleum
refining, marketing and exploration company and PDVSA Venezuela, the 5th largest
provider of hydrocarbons in the World.
• Reported directly to the Treasurer.
• Managed credit and collection services covering a ten state region for product
supply and commercial classes of trade; a seven state region for the marketer class
of trade.
• Credit responsibility for $700 million annual sales and $45 million monthly
receivables.
• Member of team that developed a risk model based on sound financial principles,
which dramatically enhanced the consistency of credit decisions for the core
business.
• Achieved credit loss ratio of just 0.0001% of $1.7 billion annual corporate sales.
3. Senior Credit Representative – Unocal Corporation
• Managed credit and collection services for retail and commercial classes of trade
in Arizona, Nevada and Southern California.
• Advanced from metropolitan credit responsibility for three distributers and 50
retail accounts to responsibilities covering a three state region of 24 distributors
and 300 retail accounts.
• Member of team responsible for centralizing the corporate credit function, which
resulted in the closing of nine credit offices.
• Key member of team organized to develop training program for new credit
department employees.
• Developed and conducted in-house training module on Bank Letters of Credit for
staff of 20 credit-decision makers.
Credit Representative- Unocal Corporation
Education
B.S. Degree, Business Administration, Finance Major, San Jose State, San Jose, CA
Advanced Credit Analysis/ Credit Management
National Institute of Credit, Lake Success, New York
(Recipient of Associate Award “With Distinction”)
Computer Skills
Microsoft Office, Microsoft Word, Microsoft Excel, Microsoft Outlook, Oracle.
Professional Membership
National Association of Credit Management Midwest