D&D Financial Services
Ed Dabrowski . . .

. A CPA with over 30 years of diversified, high-level financial experience within a broad range of organizations and industries

Past experience includes:
Vice President and Treasurer of Brother International Corporation, a $1.2 billion manufacturer and distributor of consumer and industrial products
CPA with Ernst & Young Clients in publishing, oil, commodities, garment trade, legal and professional services
Regional Controller at Jim Walter Corp / Allied Signal Manufacturer of building materials

Significant accomplishments relating to A/R include:
Restructuring domestic and foreign credit operations
Significant reductions in A/R balances, delinquent accounts and write offs
Private settlements with large domestic and foreign debtors
Leasing arrangements for customers in domestic and foreign markets
Establishing strong communications between credit and management, sales, 
  customers, order processing and finance
Factoring, asset backed loans, forex coverage, credit insurance arrangements
Enterprise software implementation
Financial restructuring, working capital reductions and supply chain management
Strategic planning and forecasting
Control of dealer networks and distribution channel management

Education: BS, Finance, Rutgers University

Attitude can be a very effective management tool.  In the right environment, credit employees will demonstrate remarkable abilities to support both corporate goals and the needs of your customers.
Frank D'Amico. . .

. has over 25 years of top management experience in Credit and Collection, Accounts Receivable and Customer Relations for major Consumer Electronics, Industrial Equipment Manufacturers and Publishing Companies selling to Mass Merchandisers, Manufacturers,  General Book, School, College, Library, Government, General Public and International markets

Past experiences include:
Director, Credit & Collections and Accounts Receivable at Brother International Corp.
Vice President of Corporate Credit - Macmillan Publishing, Putnam Berkley and  Harper Collins
Director of Credit and Collections, Accounts Receivable and Payable at CBS Inc., Holt, Rinehart & Winston,
Credit Manager - Simon & Schuster.

Major accomplishments at various organizations include:
  Established leasing programs for industrial customers in the U.S. and Latin America
  Reduced Days Sales Outstanding up to 25%, generating $50 million in cash
  Reduced Delinquent balances up to 95%, resulting in an extra $5 million in
  collections
  Reduced bad debt exposure on major high volume marginal accounts
  Directed integration of major acquisitions achieving up to 100% savings in headcount
  Directed installation of modern, fully integrated Credit, Collection & A/R systems
  Introduced new reports and technology which facilitated the managing of A/R
  portfolio,
  and provided management with data on delinquent invoices and unresolved
  deductions
  Developed effective teamwork with customer service expediting resolution of 
  problems

Education:
  MBA, Finance, City College of New York
  BBA, Credit &Collection-Management, City College of New York


If the smaller companies are to survive they must compete effectively with the larger ones, which means they must obtain payments within the same time frame .

Only a well organized and professionally managed Credit & Collection effort will generate the cash necessary to meet operating needs.