ROCKY DILLARD

235 Amesdale Court * Alpharetta, GA 30022

678 691-0882 * rd64959e@westpost.net

Twenty-five years in-depth experience in all areas of Credit and Collections. A

ccomplished manager of Military Contracts and Large Multi-State A/R portfolios w
ith 20,000+ active customers. Successful budget manager with a proven track rec
ord managing change, both Systems and Organizational. Strong background using se
cured instruments, collection programs, lien and Bankruptcy Laws, to improve ris
k and identify business opportunities that promote sales and growth. Skilled pro
blem solver managing complex customer issues, implementing enterprise wide best
practices and enhancing department efficiency.
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PROFESSIONAL EXPERIENCE
HD SUPPLY - Atlanta, GA. 2003 - 2010
One of the largest wholesale Distributors in North America with $9B+ annual reve
nue.
Director of Credit - HD Supply Interiors (Creative Touch Interiors) 2009 - 20
10
Senior Credit leader for Creative Touch Interiors - A turnkey design center oper
ation; supporting 7 regions nationwide
With 350M in revenue. Provide in depth financial analysis and risk evaluations f
or credit approvals to low 8 figures.
Working directly for the CFO, responsibilities include: Coordinate strategies w
ithin the business to improve Dispute
Management, Cash Application, Contract review, and Technology initiatives. Supp
ort the profitable growth of the
Credit business by identifying shortfalls, while forecasting and developing pote
ntial business opportunities. Manage
Multi-million dollar legal and administrative budget for 43 associates.
Key Contributions:
* Returned over 4 million in A/R reserves to the P&L from major negotiated settl
ements and collections.
* Reduced DSO from 105 days to 61 Days over 10 month period.
* Centralized Credit Dept in 2009 reducing headcount from 43 to 16 and overall S
G&A expense by 1M +
* Centralized Cash Application Dept in 2009 reducing unapplied cash from 15M in
June to less than 500K Application time reduced from 8-10 days to less tha
n 2.5 days.
* Created in excess of 12 Million positive cash flow for fiscal 2009 from collec
tions.
Director of Credit - HD Supply Lumber (Williams Bros Lumber, LLC) 2005 - 2009
Served in a strategic advisory role for HD Supply Lumber, a One Billion Dollar s
ales organization with direct
oversight of Six Region Credit Managers, Collection, Litigation, Corporate Credi
t and Portfolio Risk, Credit Analysis,
Integration / Acquisition and Budget management for 63 associates. Develop and
implement business processes and
Controls ensuring improved visibility into Corporate Credit Risk. Create perfor
mance and management dashboards on
Key metrics with root cause evaluations. Implement credit and collection strateg
ies based upon micro and macro
economic factors. Leverage support within the business to capitalize on synergie
s and augment scalability. Develop, test,
and evaluate acquired receivables relative to pre and post acquisition activitie
s.
Key Contributions:
* Aggressive risk management supporting sales growth from 350 Million to 1 Billi
on over a 4 year period.
* Successfully navigated credit department through 2 ERP conversions and 2 enter
prise wide software enhancements to an automated collection and cash app
lication system.
* Transitioned Credit Department from privately held company to a publicly held
one.
* Initiated a company wide contract review process to improve awareness of corpo
rate liability and sales risks.
* Introduced new selling methods using UCC filings, Letters of Credit and other
Secured arrangements. Annualized sales in excess of 20 million a year usin
g newly introduced secured sales tools.
Controller - Multi Family Division (Williams Bros Lumber Co., LLC) 2003 - 200
5
Co-Led commercial sales division through a 3 year growth and p
rosperity period including 2005 with a 3.6 million net profit
and 15.9% EBIT. Restored credibility to Multi Family division
using stricter job cost accounting and purchase order
management. Improved collections for all jobs through revised
invoice process with closer adherence to Georgia Lien law
requirements and strict compliance with contract requirements.

Key Contributions:
* Less than 50K in write offs on 80 Million in sales over 3 years.
* Successfully coordinated Military contracts in excess of 25 million dollars.
Rocky Dillard - Page 2

BUILDERS FIRST SOURCE - Atlanta, GA 1997 to 2003

Atlanta Area Credit Manager / Assistant Location Manager
One of four charter members recruited to oversee start-up of 2 new locations in
Atlanta. Hired, trained and developed all administrative associates in company.
Direct oversight over Credit Department, Billing, and Inside Sales Coordinator
s. Maintained computer generated inventory control process. Created customize
d billing process for large publically traded builders to improve order to ca
sh cycle and labor intensive practices.
Key Contributions:
* Built company to over 75 million in Revenue over 5 year period.
THOMAS R. HOPSON BROKER, INC. / STOCK LUMBER Marietta, GA 1990 to 199
6
Corporate Credit Manager
Manage Accounts Receivable of a 3 state 130 million sales organization with five
manufacturing divisions. Approve credit lines to the low 7 figures, ta
ilor special billing requirements for national accounts, supervise staff of 8, e
stablish bad debt reserves and maintain collection budget of 100K.
Key Contributions:
* Successfully managed aggressive credit function that increased sales from 59 m
illion to 130 million over 5 years.
* Reduced write-offs from 2% of sales to .34% reduced DSO by 5 days.
SIEMENS ENERGY AND AUTOMATION - Alpharetta, GA 1988 to 1990
Region Credit Analyst
Established distributor credit lines to the mid-six figure range, including heav
y financial and risk analysis. Traveled extensively throughout the Midwest to n
egotiate and resolve disputes. Maintained and collected monthly A/R of 16 to 19
million
Key Contributions:
* Reconciled and reduced 1.2 million in disputes to 254K
STAIR PARTS LIMITED - Roswell, GA 1986 to 1987
General Manager
Manage national and local sales organization, developed Atlanta market through f
ront line distributors. Reorganized company credit department with emphasis on
new collection methods.
Key Contributions:
* Decreased DSO by 12 days,
* Increased total sales 31% and Atlanta Region by 208%.
LOWE'S COMPANIES, INC. - Marietta, GA 1982 to 1985
General Manager / Location Credit Manager
Directed day-to-day operations of company including full P & L responsibilities
for a 10 million sales organization with 52 associates and 4 outside sales. Est
ablished pricing guidelines for customers and purchased all wood commodities.

EDUCATION & TRAINING

Bachelor of Science General Studies - Business Emphasis 1988
COLUMBUS COLLEGE - Columbus, GA.
GA Employers Supervisor Training, Managing Human Assets, D&B Credit and
Financial Analysis, Building Management Skills, New Client Training.
ASSOCIATIONS
Atlanta Construction Credit Group - Former President, Building Material Supply
Association - Former Director, NACM, Sigma Nu Fraternity (UGA)