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0-5 years of experience
Responsible for leading team in organizational training, problem solving and portfolio management of $500 million and receivables.
- Participated in a corporate wide business process redesign effort during a merger, resulting in projected five year savings of $50 million minimum.
- Developed and implemented improvements to financial analysis, deduction management that supported sales growth of 32%.
- Developed effective finance program which supported the successful launch of 12 new products with 100 percent delivered on time.
0-5 years of experience
Supervised team of 10 analysts responsible for analyzing and quantifying data and reports. Performed variety of collection and credit functions, including providing extensions of credit, collections of customer receivables, reconciliation of accounts, reviewing credit limits as accounts warranted, and controlling asset management charges through maintenance of accounts.
- Reduced DSOs by 30% in five months by helping to implement of new ARC system.
- Consistently exceeded monthly/quarterly goals by at least 25% by making regularly scheduled customer calls and cultivating strong relationships.
- Implemented more effective collection policies and worked with sales team to engage them in collection process on larger accounts, putting accounts on hold until collected.
6-10 years of experience
Significantly decreased turnover after assuming newly created position upon request of Controller.
- Managed 6 staff on Loan Servicing Team. Hired, trained, motivated, prepared performance evaluations, and decided salary increases. Coached, disciplined, and terminated employees as needed.
- Analyzed financial statements and determined credit risk for loans valued at up to $21 million. Prepared and presented loans to two additional loan committees consisting of nationwide members, provided recommendations, and responded to inquiries.
- Served on the Loan Delinquency Committee, voting on approvals and denials.
- Implemented software for newly formed incoming call center. Developed and executed guidelines to eliminate security breaches.
- Increased customer service focus by requiring regular customer service training.
- Increased productivity and morale by implementing cross training and monthly rotation of duties.
6-10 years of experience
Managed $40 million client portfolio. Maintained client trust accounts, in-house litigation, including small claims action, new matter intake evaluation and collection of receivables. Interacted and collaborated with 100+ attorneys.
- Developed and managed new matter intake evaluation process.
- Coordinated and conducted regular meetings with the firm’s credit committee to review and analyze delinquent clients.
- Established client evaluation process to identify credit risk.
- Maintained follow up to successfully resolve billing concerns.
- Originated and implemented firm credit policy.
- Assisted with in-house litigation, including small claims representation and preparation of complaints.
- Reduced pre and post billing write-offs and maintained collection realization rate between 92 -96%.
0-5 years of experience
Assessed customer credit risk, collected accounts receivables, and helped the company maintain and maximize positive cash flow and working capital.
- Determined whom credit terms are granted; what limits should be, and negotiated payment schedules.
- Prepared weekly and quarterly reports to verify accuracy, show credit activities, and analyze bad debt liability.
- Developed standard operating procedures and process improvements to achieve efficient inter-departmental processes.
- Member of the reimplementation team for the Enterprise Resource Planning System.
- Aging over 90 days past due in 2009 $400,000+; aging over 60 days past due in 2013 $50,000.
- Aging less than 30 days past due averaged 96%.
- Trained and supervised credit analysts.
- Assisted Controller with CIP and Asset Management; reduced audit time by three days over prior year.
0-5 years of experience
Executed quick on the spot credit decisions by using [company name] lending philosophy
- Managed credit risk on new credit applications by making underwriting decisions
- Reviewed and developed financial analysis and credit ratios to determine the degree of risk in extending credit
- Negotiated and sold variable and fixed annual percentage rates using a risk based pricing system
- Assisted financially stressed customers by offering solutions to prevent going delinquent
- Enhanced customers relationship by cross selling other [company name] products
- Achieved monthly goals 100% of the time
10+ years of experience
Evaluated credit risk and established new credit relationships in accordance with corporate credit policies.
- Managed bankruptcy portfolio and served on court appointed creditor committees.
- Analyzed financial condition of high risk and high visibility clients and recommended courses of action including necessary risk mitigation.
- Managed $210 million trade credit portfolio in the consumer products subsidiary of a major independent oil company. Maintained an average Days Receivable Outstanding (DRO) below 40.
- Evaluated credit risk and established credit limits for new and existing clients.
- Conducted financial review meetings with customer senior management groups.
0-5 years of experience
Researched and analyzed the financial statements and tax returns of small to large sized companies in order to determine the credit worthiness of existing and potential loan customers
- Created detailed financial reports outlining the strengths and weaknesses of manufacturing businesses, retail stores, real estate investment firms, nonprofit organizations, and municipalities.
- Managed the daily operations of the Credit Department and reported directly to the Comptroller
- Monitored the financial positions of the bank’s $275 million loan portfolio to identify potential risk and forecast future performances of commercial customers
- Designed financial models used for the analysis of loans being presented to the loan committee and board of directors
0-5 years of experience
Analyzed corporate bonds in fixed income portfolios for money management firm (buy-side). Responsible for covering primarily investment grade and cross-over credits in multiple industries, both financial services and industrials. Maturity profile of securities ranged across the entire yield curve.
- Assessed creditworthiness of corporate holdings by determining industry and issuer risks, performing financial statement analysis, and interfacing with external parties (sell-side and rating agency analysts, company management, etc.).
- Provided buy/sell/hold recommendations to portfolio managers based on fundamental credit assessment and value.
- Maintained and updated financial models/ratios for corporate holdings.
- Created and maintained credit files for money market fund in accordance with SEC Rule 2a-7.
0-5 years of experience
Mentored a team of peers on policy and procedures in order to increase departmental efficiency and productivity.
- Assisted head of credit administration with releasing of credit lines on corporate accounts.
- Established account restrictions through financial analysis and authorized requests that require a thorough knowledge of banking and lending laws.
- Evaluated accounts for extensions of credit and monitored for potential profit loss, or risk of fraud.
- Handled high-level, high-credit risk decisions
- assumed the role of deescalating sensitive customer service situations utilizing proven methods of client retention strategies for gaining and retaining consumer confidence
6-10 years of experience
Provided quality customer service by combining expertise in negotiation and professionalism to establish long-term working relationships with commercial clients in several geographic regions
- Provided sales and marketing support to existing commercial & national accounts
- Negotiated resolution of accounts >30 days past due, maintaining weekly receivables of $15 million and meeting or beating goal of 3.9% by 3.1%
- Prioritized and managed multiple (300-350) commercial & national accounts in a fast-paced environment.
- Supervised four clerical staff team members to ensure customers received invoices, spreadsheets, letters regarding past due balances, line of credit increase, faxes, POD’s etc
- Interacted extensively with customers, sales, customer service and various levels of management
- Reviewed credit applications, ensuring completeness, requesting additional information if required
- Analyzed the applicants credit standing, and approved or declined the applications
- Conferred with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses
- Stayed informed about the legal, compliance and market-risk issues involved in the approval of credit
0-5 years of experience
Prepared financial spreads and global consolidations for commercial loan term renewals and new
prospects ranging from revolving lines of credit to real estate loans up to $5M.
- Reviewed tax returns and financial statements and prepared analyses based on trends, ratios, and specific customer covenants.
- Analyzed and promptly reported financial discrepancies in customer financial statements.
- Reviewed customer covenants and cooperated with bank officers to ensure compliance.
- Attended weekly meetings and recorded minutes for discussions involving loan requests, existing
6-10 years of experience
Leader in Risk Detection Unit, a team of 2,600 associates managing risk by making decisions for credit card accounts worth over $6.5B.
- Analyze 900+ accounts per month for high-risk balance transfers, credit line increases, and reopening of accounts ensuring government regulations, bank policies and current lending approaches are followed.
- Consistently exceed monthly goals achieving 105-120% above goal for accuracy, decision volume and decision quality
- Promoted to Early Warning Systems, a team comprised of 11 associates reviewing suspicious credit card payments for illegal activity and imminent risk factors.
- Identified ~45 instances of suspicious activity totaling nearly $500k in first 6 months
- Appointed to elite task force of 14 associates to manage portfolio of high net worth customers to determine at-risk accounts.
- Contacted customers to clarify account transactions to determine most appropriate course of action
- Recognized by management, customers and peers with multiple awards for accuracy, efficiency and overall performance.
0-5 years of experience
Protected $90MM of company assets in accounts receivable and $3MM in allowance account ensuring 12 national market divisions adhered to accounts receivable, credit and distributor policies.
- Enhanced and updated formal monthly credit and accounts receivable report including analysis of DSO, accounts receivable aging, allowance account reserve and cash optimization objectives.
- Monitored financial condition of 87 major customers and 92 independent distributors reviewing financial statements and analyzing trends.
- Coordinated and administered all bankruptcy claims with legal department obtaining maximum recovery.
- Participated in credit association meetings establishing and maintaining networking relationships.
- Performed all aspects of monthly closing procedures for multi-company organization.
- Supervised corporate payroll accountant ensuring accuracy of weekly payroll for over 200 employees.
- Produced various monthly, quarterly and year-end accounting and tax work papers and reports.
- Audited disbursements and payments of employee notes receivable and cash advance accounts.
10+ years of experience
Managed collection activities for 45 sales professionals from 3 divisions involving approximately 3,600 accounts with average monthly sales of $20 million.
- Achieved DSO of 38 with a less than 1% bad debt write off.
- Maintained monthly credit reports for salesman resulting in reduction of charge backs, deductions and disputes. This helped maintain the positive cash flow.
- Maintained monthly financial metrics resulting in faster credit decisions.
- Conducted credit limit reviews and financial analysis to determine a customers’ credit worthiness.
- Performed yearly reviews for accounts over $50,000 to determine if the accounts’ credit limit should be adjusted.
- Processed customer credit card payments for timely posting to the account.
- Provided credit references to help our customers achieve a credit account with new vendors.
- Personally managed collection responsibilities for difficult accounts. Made personal visits and developed customized payment plans that met the customers’ financial needs and the repayment policies of the company. Worked with an outside collection agency along with local attorneys when it was determined that the debt would not be paid. Made court appearances when necessary.
- Performed monthly credit risk reviews with Sales Manager to determine any increase in business where a credit limit increase would be justified.
- Actively involved with credit association and other business representatives to exchange credit information to determine any at risk accounts that we have in common.
0-5 years of experience
Served as liaison between legal department and management for loan origination, renewal,
documentation, preparation and execution for loans ranging from $100,000 to $12.5million
- Analyzed risk and prepared dealer credit files for branch and regional management approval for a wholesale portfolio of $400 million
- Reviewed credit reports, financial statements and Dunn and Bradstreet to determine appropriate credit lines
- Ensured compliance with all applicable dealer credit procedures to achieve complaint rating with Sarbanes Oxley
10+ years of experience
- Reconciled high volume difficult accounts that trended upward from $500,000 to 1 million dollars in a portfolio that ranged from 6 to 8 million dollars.
- Contacted customers to secure payment and resolve any issues, leading to increased cash flow and reducing DSO to 36 days (terms net 30 days) for 500 active accounts.
- Crossed-trained in Customer Service functions to take orders, check product availability, and initiate proof of deliveries for possible shipment shortages.
- Identified bad debt, and billing issues and resolved open balances via collection, write-off, debit or credit memos and refunds.
- Activated accounts and released pending orders as appropriate in relation to risk analysis and exposure, by establishing and updating credit lines enabling shipment.
- Prepared monthly reports for senior management, updated credit master and new account files.
6-10 years of experience
Responsible for day-to-day operations of credit portfolio, domestic and international, for a 3.0 billion annual sales business division, which required a strong understanding of financial analysis
- Analyzed financial statements along with Dun & Bradstreet profiles and perform credit investigations to establish appropriate credit facilities
- Maintained a positive interface with sales and other internal departments to facilitate effective credit strategies for long-term business growth and a positive customer experience
- Participated in multiple cross-functional teams assigned to improve and redesign service process operations with the federal business segment
- Prepared periodic reports for management on the status of credit portfolio activity to insure achievement of management objectives
0-5 years of experience
Developed policies and procedures for acquisitions and divestiture of various BD business segments.
- Developed credit procedures to support Sarbanes Oxley Act.
- Mentoring to two credit analysts and 14 collectors.
- Negotiated payment plans with customers and limited bad debt exposures below tolerance
- Signing authority to $100,000
- Complete financial analysis of all accounts on an annual basis, personally monitoring over 500 accounts with a portfolio of $350,000,000. Assign appropriate credit limits to $50,000,000.
- Minimized financial risk by identifying customers with potential cash flow issues
0-5 years of experience
Global Manufacturer of Electronic Bill Accepters
- $1MM reduction in aged receivables in seven month period while managing 500 priority accounts.
- Developed Electronic Invoicing initiative which yielded a cost savings of $150k/year and DSO reduction.
- Created, implemented credit policy procedures along with risk reduction.
0-5 years of experience
Auditor / Risk management – Identified potential risk, created a plan to minimize or eliminate the impact.
- Responsible for financial statement preparation.
- Reviewed and processed journal entries and analyzed account activity.
- Made collection calls to 2000+ designated clients making sure that all unpaid balances were received in a timely manner.
- Solved collection issues and negotiated payment arrangements as well as recommended accounts that needed to be placed with collection agencies.
0-5 years of experience
Analyzed and interpreted personal and corporate financial statements and tax returns to decision loans for Auto Dealer floorplans.
- Documented credit reviews and prospect credit packages for floor plan lines of credit and commercial term loans.
- Prepared narrative analytical reports on financial standing of a borrower to assess overall risk to bank.
- Monitored and reported to management financial covenants to identify possible areas of risk.
- Based on experience, selected to train new credit department employees in areas of Wholesale Credit.
6-10 years of experience
Performed financial statement analysis of business balance sheets and income statements of bank’s business clients.
- Screened and prepped lender’s annual review reports for adherence to internal policies and procedures.
- Supported lending staff with lending to industry research and special credit analyses.
- Assisted credit administration management with monitoring procedures and credit training.
- Selected as a member of a special software testing group to help develop a in-house customized information and tracking software application primarily for use by lenders and credit management. Involved in the testing and debugging phase, regional implementation, instruction and training.
6-10 years of experience
Worked as Senior Credit Analyst in the Commercial Credit Department – Real Estate Division
- Responsible for every phase of underwriting loans including cash flow models, real estate analysis, current and projected market analyses, credit, underwriting and profitability models.
- Reviewed and maintained portfolio of clients including quarterly updates, covenant compliance and monitoring draw requests.
- Maintained and monitored existing and new portfolios of commercial clients.
- Created and performed detailed financial tracking reports and made quarterly field audits on more closely monitored clients.
- Solely responsible for the monitoring of, and reporting to Senior Management, bank wide loans to one borrower and credit concentrations.
- Provided critical assistance in developing strategies to improve non-performing loans, reduce delinquencies, maximize recoveries and minimize losses. Identified potential problem credits and provided input to Senior Management in restructuring the credit and /or minimizing loss.
- Responsible for the development of policies and procedures for training of Junior Credit Analysts.
0-5 years of experience
Manage and assist transition of Accounting portion on three acquisitions totaling over $1.5 Billion
- Implemented new procedures to increase the progress and efficiency of Accounting department
- Determine root cause analysis and future corrective action for issues
- Report all month end results to cross functional teams
- Run, review, balance, analyze, and interpret reports
- Reconcile General Ledgers
- Point person for annual audits in regards to billing, cash, revenue, and collections
0-5 years of experience
- Promoted from Credit Analyst, to Senior Credit Analyst, within 2 years based solely on my outstanding performance.
- Executed credit risk evaluations by analyzing financial statements, credit reports, and data obtained from bank and trade references.
- Evaluated and analyzed credit applications with the authorization to approve credit limits up to 25k.
- Improved DSO(tm)s by 10 days thru efficient, affective and proven credit practices; negotiations being a key factor.
6-10 years of experience
- Analyzed credit data and financial statements to determine degree of risk involved in extending credit or lending money.
- Generated financial ratios using computer programs to evaluate customers’ financial status.
- Analyzed financial data such as income growth, quality of management, and market share to determine loan
- Managed accounts, resolved delinquency and arranged payment programs to avoid future delinquency.
- Utilized consultative selling techniques to sell payment and protection services to customers.
- Achieved Excellence in Call Quality, three times team MVP.
10+ years of experience
Managed and provided single point of contact for over 2000 commercial accounts
- Effectively assessed credit risks and commercial clients (current and potential) viability
- Performed analysis (quantitative and qualitative) of requests for lines of credit
- Prepared, mailed and followed up on weekly billing statements to clients
- Managed account delinquency, prepared spreadsheets and coordinated collections calls
- Maintained effective liaisons with district and sales managers to obtain/maintain new accounts
- Instrumental in the conversion of paper files to computer BASIS files
- Acted as initial point of contact to add customer leases to their statements
0-5 years of experience
Manage domestic A/R portfolio in excess of $23 million with no more than 6% (15+) past due on a monthly average. With exposure to International collections.
- Produce Excel based reports for top 50 customers on a monthly basis
- Authorized to open new accounts up to $50,000 by running credit checks, bank and trade references, and D & B reports; authorized to create payment plans and adjust credit lines as deemed necessary
- Daily order release, approximately 50 calls a day to customers, suspend and activate accounts, process credit card, wire, and check by phone payments
- Research charge backs, short pays and customer deductions
10+ years of experience
Responsible for billing reconciliation, debt reduction; and customer service:
- Solved billing and account problems for key clients in my scope.
- Coordinated solutions to client problems between diverse stakeholders.
- Managed a project to migrate accounts during implementation of new billing system.
- Trained others in the use of business systems.
- Reviewed reports for Sarbanes Oxley compliance.
0-5 years of experience
Established and/or recommends credit lines for trade customers based on financial condition, payment history, trade references, credit ratings, bank relationships, sales input, market conditions and other risk factors.
- Executed a periodic review for the assigned customer portfolio to keep the analysis current.
- Maintained the A/R system credit control for the order processing credit check and optimal order flow. Negotiates and resolves order exceptions promptly to keep the product flowing, minimize risk, and resolve delinquency.
- Communicated with the sales and service organizations with respect to the credit status and any related order flow issues.
- Maintained credit files to support the credit line and to document credit and collection communication.
- Integral in accounts receivable clean-up that resulted in reduction of DSO from 184.9 days to 61 days.
- Recommended credit and collection action based on the circumstances-reclamation, placing accounts for collection, secured transactions, etc
- Supervise Collection Specialist to resolve trade delinquency in order to maximize cash flow.
0-5 years of experience
Analyzed financial statements, including cash flows, performance ratios, and pro forma statements, and prepared concise credit analysis detailing key risks.
- Assisted in the annual loan review of existing commercial relationships to monitor compliance with loan conditions and credit policy, ensuring that all loan covenants are in compliance.
- Monitored ongoing business activities and financial performance of loan portfolio.
- Analyzed financial and operational results versus forecast; investigated significant variances.
- Participated in preparing monthly financial reporting package and bi-monthly operating analysis.
0-5 years of experience
Monitored a portfolio that contains accounts with large or high-risk margin exposure daily.
- Performed write-ups and presentations on individual credit requests and monthly credit reports.
- Designed and implemented spreadsheets used for monthly reports and methods of monitoring.
- Executed independent projects using Excel to facilitate implementing credit policies and decisions.
6-10 years of experience
Managed an accounts receivable balance of over $17M.
- Evaluated pending orders to determine credit exposure, risk, repayment plans, and any required litigation.
- Responsible for bad debt, bankruptcy, and cash application management.
- Developed, reengineered, tested and implemented various software packages.
0-5 years of experience
Applied financial and credit expertise to underwrite and manage customer credit lines $300M to $15MM. Researched and evaluated to formulate conclusions and made recommendations.
- Enforce credit policy to determine credit holds and releases.
- Utilized credit bureaus, Dunn & Bradstreet and credit scoring models
- Perform credit checks while negotiating final determination of credit approval and limits based on established criteria; review monthly, customer accounts aging to determine appropriate collection activity, and as necessary, coordinated high risk accounts assignment to legal collections.
- Conducted customer visits that generated new business opportunities and account resolution.
- Accompanied Sales Representatives on key customer accounts visits to obtain financials, conduct due diligence and ensure quality of all transactions.
0-5 years of experience
Independently responsible for managing over 80 credit accounts in [company name]’s high credit exposure portfolio for potential changes in account credit exposure – manages over $185MM in aggregate credit exposure
- Analyze CPA-prepared and company-prepared financials using Moody’s Analytics cash flow analysis
- Draft merchant summary memos for higher management review to approve accounts with greater exposure
- Supports relationship mangers in gathering required documents to facilitate credit review
- Recommend and negotiate contract terms on high exposure new accounts with sales staff and risk management balancing potential revenue generated with expected probability of credit default
- Streamlined and improved portfolio tracking process to increase review efficiency and boost the accuracy of system-generated credit exposure estimate
0-5 years of experience
Reviewed financial statements of savings and investments for assessment of overall credit risk while maintaining bank compliances.
- Provide new ideas for recognition of employees and to improve team morale.
- Applied judgmental lending practices to determine credit worthiness of acquisitions of consumer credit.
- Analyzed consistency of credit information, profits, and losses.
0-5 years of experience
Reviewed financial statements of savings and investments for assessment of overall credit risk while maintaining bank compliances.
- Provide new ideas for recognition of employees and to improve team morale.
- Applied judgmental lending practices to determine credit worthiness of acquisitions of consumer credit.
- Analyzed consistency of credit information, profits, and losses.
0-5 years of experience
Reviewed lease and chattel loan requests analyzing economic, industry, and financial information.
- Prepared credit approval reports for presentation to divisional and senior bank credit committees.
- Monitored Leasing Credit Portfolio including assigned risk ratings, prepared loan review and credit comments.
- Supported and advised Leasing Division Marketing Group on appraising, structuring, and documenting transactions.
10+ years of experience
Responsible for making credit decisions on customers by analyzing financial information, including financial statements.
- Handled over $50 million in accounts receivable for the company.
- Protected the company’s funds by keeping bad debts to a minimum. Maintained very acceptable bad debt levels while realizing the risks involved.
- Managed past due accounts to enhance cash flow for the company. Maintained low past due percentages.
- Assisted the Marketing Department in resolving claims with customers.
- Maintained positive customer relations while making critical credit decisions.
0-5 years of experience
Managed $490 million annual extension of credit to small and medium size manufacturing businesses
- Performed financial statement analysis (trend and ratio analysis) in addition to agency reports and customer interviews to determine credit-worthiness and credit lines
- Conducted analysis in accordance with internal policies and practices when extending lines of credit ensuring proper documentation of credit files, including regular financial statement updates
- Provided portfolio maintenance achieving targeted DSO and collection metrics
- Liaised with Sales, Customer Support, Cash Application and Accounting to ensure customer service
- eCredit financial statement analysis software Team Leader
0-5 years of experience
Assisted in implementation of the Desktop Cross Sell System to allow Credit to process balance transfers
- Worked with Senior Management on implementing further changes to increase balance transfers sold, such as non-use of a CVV code
- Responsible for creating monthly balance transfer motivational contests which have led to $21.5 million in balance transfer dollars from January-June 2012
- Worked with the Credit Policy team on the existing customer credit line increase process; trained analysts on new procedures
- Assisted with new and recurrent training for 30 Credit analysts
- Aided analysts with any questions on day to day functions
- Assisted with managerial tasks such as work in the Credit Services Mailbox and responding to faxed in customer escalations
- Tested the new version of the application acquisition system and identified systematic issues to send to Credit Policy
- Worked additional overtime hours when volumes allowed
0-5 years of experience
- Collected and reconciled assigned account portfolio.
- Teamed with Sales, Project Managers, Billing, Renewals, Legal and Tax Department.
- Interviewed and trained new collections specialists and associates.
- Prepared month end and quarter end reports for Sales team and management.
- Met or exceeded all projected cash forecasts.
0-5 years of experience
- Analyzed financial information to determine creditworthiness and financial health of companies.
- Underwrote loans and prepared credit presentations for senior management.
- Audited financial information and loan agreements to comply with company credit policies.
- Conducted credit investigations and monitored portfolios associated with risk.
- Analyzed personal and business tax returns for purposes of credit evaluation.
- Reviewed and authorized credit limits.
0-5 years of experience
2nd Highest closing percentage (18.87% in the entire company, internet leads, average revenue per sale $1542
- Left company with 3rd most sales for year
- Enrolled over120 clients totaling more than $120000 in company revenue in 6 months
- Responsible for collecting contracts and payment from clients in program. Producing referral business was an important factor for growth.
- Selected as one of 5 representatives to manage the business development leads including leads from NFL, Chase, Yahoo and over 35 other fortune 500 companies’ employees
0-5 years of experience
Direct credit and collections responsibilities of a portfolio size of $9 million.
- Created relationships with internal functional areas and trade customers to reconcile and maintain accounts in assigned portfolio.
- Responsible to hit daily, weekly and monthly goals and objectives such as cash goals, aged trial balance reductions, phone activity and customer service.
- Worked with external collection agencies on accounts deemed uncollectable by established company guidelines.
- Worked with in-house and external attorneys in litigations, suits and bankruptcy related matters.
10+ years of experience
Lead and managed overseas credit representatives to align business strategies with optimal mix of credit solutions through improving cash flow and reducing bad debt expense for a $30 billion global leader in aluminum manufacturing
- Liaisons with sales, marketing and general management in assessing risk and advising on the creditworthiness of potential and existing customers with an emphasis on reviewing financial statements.
- Managed transitions of $100 million credit portfolio which included research and resolution of past due issues.
- Advised business units on the terms of sales and the appropriate level of credit exposure in each market.
- Responsible for minimizing unadjusted credit items including placing or lifting holds for troubled accounts.
10+ years of experience
Accountable for the review and decision-making process of applications submitted.
- Personal credit level of up to $75K.
- Responsible for preparing credit recommendations to Senior Management for application in excess of current authority.
- Managed to company goals and objectives which pertained to approval ratios, turnaround time and delinquency ratios.
- Was responsible for maintaining and establishing credit lines for 40% or more of eligible applications.
- Creative problem solver with strong interpersonal skills that had the capability to work with little to no supervision.
0-5 years of experience
- Monitored and underwrote a $36M home equity portfolio
- Lead underwriter of a ~$300M commercial loan portfolio
- Analyzed personal and company cash flow to determine repayment ability and assess risk
- Completed periodic loan reviews to ensure borrowers submitted current and accurate financial information in order to proactively address potential payment or collateral deficiencies
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Senior Credit Analyst
Last edited by: Gabriela Barcenas, CPRW, Content Writer II -
Gabriela Barcenas
CPRW, Content Writer IIGabriela is a Certified Professional Resume Writer (CPRW) and career adviser. With 10 years of digital media experience and five years of resume writing expertise, her publication history includes fashion, education, travel, social justice, equitable design and career advice.
