WILLIAM P. MERTENS
326 Village Creek Dr., Ballwin, MO 63021  314-374-3584  billmertens@sbcglobal.net
http://www.linkedin.com/pub/bill-mertens-billmertens-sbcglobal-net/5/89/31a
ACCOUNT MANAGER – RELATIONSHIP MANAGER
Accomplished, innovative, and results-driven manager with successful 19year career in multi-million dollar operations and portfolio management in
the asset-based lending industry. Expertise in risk management, financial
and credit analysis, and strategic marketing.
Valued consultant and contributor to management teams; able to build,
train, and lead talented personnel. Exceptional business and financial
acumen; consistently exceed portfolio performance and loan coverage
expectations. Outstanding communicator with ability to confidently interact
with customers, legal professionals, and government agencies on all levels.
Value Offered
 Performance Improvement
 Strategic Negotiation
 Trend Analysis
 Customer Advocacy
 Technology Finance
 Asset Recovery
 Documentation
 Account Retention
 Auditing & Collections
CAREER HIGHLIGHTS
 Managed Best Buy’s $185M credit facility for 2 years and reached total volume of $450M, including
Panasonic, Maytag, and GE Appliance.
 Achieved $5M in new order volume from 2005 to 2006 by sourcing additional vendors for 4 key accounts.
 Preserved $2.5M credit client facility despite competitor offering attractive terms.
 Recorded zero losses in technology portfolio over 6-year time period and maintained account delinquent
scheduled payment balances within branch parameters for last 5 years of tenure at >1.5% of total managed
outstanding loan balance.
PROFESSIONAL EXPERIENCE & ACHIEVEMENTS
FEDERAL RESERVE BANK – ST. LOUIS, MO
2012
Credit and Payment Risk Analyst: Discount Window Financing; governance; condition monitoring and risk
management. Completed collateral and operational compliance exams as well as systems integrity testing.
CMS MANAGEMENT SOLUTIONS – St. Louis, MO
2007 to 2011
Company offering accounts receivable and accounting services to legal and accounting firms nationwide.
Senior Credit Consultant
Assigned to manage third party collections for Top 50 Philadelphia law firm and oversee 4-year accounts
receivable project valued $14.5M and total collections of $1.33M; firm’s aged receivables ranged between 1–9
years. Drafted and submitted settlement proposals and payment plans to billing attorney, collections, and legal
authorities for review/approval. Conducted LexisNexis skip traces and other electronic searches for contact
purposes.
Wrote mutual release and other legal documents and closed on lump-sum and structured settlement
discussions. Performed asset recovery efforts including dispute resolution, correction of payment application
errors, collections initiatives, and settlement negotiations and closings. Key Achievements:

Structured settlement for $47K stock option settlement and recovery from technology account with no
ongoing operations.
WILLIAM P. MERTENS
314-374-3584  billmertens@sbcglobal.net

Maintained 8% recovery rate from third party collections and settlement negotiation efforts on legal firm
assignments, including corporate, institutional, venture capital/contingent, and individual accounts.

Set up $60K compromise settlement prior to large Texas industrial client’s bankruptcy filing; closely
monitored account and effectively followed up on monthly payments subsequent to chapter 11 dismissal to
reach total recovery in excess of $65K.

Strategically negotiated $25K and $20K lump-sum settlements and signed mutual release documents for 2
disputed matters slated for 2010 year-end write-offs.
GE CAPITAL SOLUTIONS – St. Louis, MO
2002 to 2006
#1 US asset-based lending institution in technology, industrial, marine, and other major markets.
Account Manager
Maintained key client relationships with major accounts including Best Buy, Insight Enterprises, Inc.,
Compucom, Gregg Appliances, Comark, GE IT Solutions, and Pomeroy Computer Resources. Conducted
comprehensive analyses of dealer collateral levels during monthly reviews to ensure sufficient loan coverage in
event of default. Served as effective liaison and improved communication between operations, credit,
marketing, and legal team members during credit reviews.
Created effective loss mitigation strategies and quickly resolved various pricing, return, and delivery invoice
issues with vendor credit personnel and dealer A/P personnel. Researched and negotiated payment recoveries
for charged-off accounts. Key Achievements:

Provided key metrics for monthly budgetary analyses including volume, yield, rebate, and incentive
reserves for major account portfolio responsible for 15% of branch’s outstanding loan balances.

Recognized by dealers for providing improved cash flow and credit availability by promptly responding to
disputed invoices from their credit facilities.

Key player in liquidation of 4 default dealer accounts with net loan balances of ~$10M with zero losses.

Utilized additional personalized guaranties and accounts receivable insurance to retain credit facilities for 2
high-risk accounts with cumulative values of $6M.
DEUTSCHE FINANCIAL SERVICES – St. Louis, MO
1995 to 2002
Leading asset-based lending and financial services company targeting technology, appliance, marine, RV, and other
product markets.
Account Manager/Credit Analyst
Completed credit reviews for nationwide Ingram Micro small business governmental accounts receivable
program with 600+ dealers. Processed $10M of accounts receivable volume without any loss for Ingram Micro
VARSTAR program. Efficiently completed dealer qualification, documentation preparation, and payment
application processes with utmost accuracy. Negotiated receipt of executive financial documentation from
dealers, including guaranties, letters of credit, subordination agreements, and lock boxes that mitigated credit
risk exposure. Key Achievements:

Generated $5M in new vendor order volume.
EDUCATION & PROFESSIONAL DEVELOPMENT
B.A. in Marketing, Management, Siena College, Loudonville, NY
Apiary Fund Currency Trading; Karrass Effective Negotiations; Credit & Cash Flow Analysis; Bankruptcy & Civil
Litigation; Cloud Computing; Game Theory in Life, Business, and Beyond; American Shoppers Panel Market Research
COMPUTER SKILLS
Microsoft Office Suite  Stucky Loan  Monarch  Expert Credit System (ECS)
Business Objects  LexisNexis  Thompson Elite/ARC  Crystal  IRIS