- CPA Candidate, Jr. Analyst/Accountant
- Compensation Analyst
- Credit Portfolio Analyst Position
- Contract/ Credit Analyst at The Dispatch Printing Company
- Credit Portfolio Analyst
- Credit & Collections Analyst
- Another Credit & Collections Analyst
- Credit Portfolio Analyst CV
- Credit & Collections Analyst/Specialist
- Credit Analyst Resume Sample
- Another Credit Analyst Resume
- One more Credit Analyst Resume
- Credit Analyst CV
- Senior Credit Analyst CV
- Revenue and Credit Manager
- Procurement Buyer
CPA Candidate, Jr. Analyst/Accountant
Successfully completed the CPA Exam
Work Experience
Bookkeeper
Q-Cup
Milpitas, CA
2011 to 2015
Managed A/P and A/R transactions (processed invoices, cash receipts, etc.)
Assisted in monthly bank and credit card reconciliations
Prepared financial statements
Performed other various administrative tasks
Tax Intern
Lina's Tax Team
San Jose, CA
2008 to 2011
Managed and continually updated electronic database containing 300+ individual tax clients
Supported enrolled agents by reviewing and inputting confidential client documents efficiently and accurately (tax returns, IRS/FTB correspondences, engagement letters, source documents, etc.)
Performed tax research and various ad hoc Excel projects pertaining to specific client engagements
Created tax organizers to prepare clients for their upcoming tax returns
Designed and redesigned various forms for use within the firm
Warehouse Manager/Independent Contractor
Alloy Computer Products, LLC
Sunnyvale, CA
2006 to 2008
Worked closely with sales team to ensure orders were processed accurately
Created packing lists and invoices from customer purchase orders
Improved efficiency of processing and fulfilling shipments
Skills
Microsoft Office: Excel, Word, Outlook, PowerPoint, Access
Software: QuickBooks, Drake Tax
Accounting & Finance: Understanding of various concepts and principles pertaining to GAAP, auditing, taxation, and financial reporting
Education
Bachelor of Science in Business Administration
San Jose State University -
San Jose, CA
Additional Information
Key Strengths: Strong problem-solving skills and dedication to on-going learning. Well-organized and self-disciplined. Quick learner and able to adapt quickly. Finely tuned analytical skills with dedication to accuracy and details.
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| To be or not to be a credit analyst. Photo by Elena |
Compensation Analyst
Work Experience
Credit & Collection Analyst
Ranger American of Puerto Rico
Jua, Goa
April 2011 to Present
Analyze account of three companies with a customer base of approximately 96 million and evaluate as appropriate and establish credit limits, protocols and standards,. Make collection efforts make credit inquiries, negotiations evaluate accounts of payment plans apply payments analysis all accounts, post payment, GL entries, Credit Memos evaluated credit limit and if referral to the legal division and maintain communication in relation to referrals. Knowledge in bankruptcy laws.
Quality Analyst
IKON
San Juan, PR
March 2010 to March 2011
Supervise staff verify that the information input the system is correct and to have information missing or incorrect correction of information I request is made the correction as soon as possible.
Compensation Analyst
Finance Department
April 2005 to February 2010
(Temporary Service Contract)
Analyze data, Performing Report of Sales Agent and Claro Store.
Costumer Services Coordinator
S C JOHNSON
November 2001 to January 2005
Receive and sort orders according to delivery date by checking in the system is correct and the price is equal to the purchase order. Make credits and cancellations of orders. Had any discrepancies in the purchase order will notify the seller. Call the customer to sling such order delivery: Costco, Sam's, Wal-Mart, etc. and assist the department of logistics when needed.
Collection Analyst (Call Center-Temporary Service Contract)
SANTANDER FINANCIAL
San Juan, PR
February 1998 to October 2001
Entrusted to compile and analyze data personnel loans ($800.00 thru $10,000 / $10,001 thru $25,000 personnel loan with mortgage guaranty). Perform reconciliation procedures to ascertain accuracy and completeness on contractual terms. Analyze payments issued and give the best option to the customer to maintain or reinstate the account.
Quality Control Analyst (Temporary Service Contract)
SDM HEALTHCARE MANAGEMENT, INC
Bayamón, PR
1995 to 1998
Entrusted to compile and analyze data from IPPE and 1500 forms. Perform reconciliation procedures to ascertain accuracy and completeness on both forms. Analyze payments issued to capitation members and healthcare service providers.
Information Technology Buyer (Temporary Service Contract)
CARIBBEAN FINANCIAL GROUP
1994 to 1995
Charged to review purchasing requisitions to ensure compliance with procurement policies and procedures. Assessed bid proposals from vendors. Prepared performance reports documenting cost savings achieved. Inquired vendors about information related to product/service, price, service and delivery terms and conditions. Assessed market values of items to determine reasonability of purchasing terms.
Imports Coordinator
PROFESSIONAL CONSULTING SERVICES
1987 to 1994
Accounts Receivable Accounting
Entrusted to receive and review credit applications of future clients to ensure compliance with credit policies. Reviewed adjustments to credits limits (increases or decreases). Performed collection procedures for overdue accounts 90 days and negotiated payment methods. Scheduled weekly meetings with sales personnel. prepared comprehensive analysis of accounts in demurrage for legal actions. Clients as (Nestle & Purina, Total Petroleum, Budget Rent A Car, Universal Steel Trading)
Cost Accounting
Entrusted to prepare the cost allocation structure for two companies. Prepared freight cost reports. Entered costs in database at the AS-400 application.
Accounts Payable Accounting
Entrusted to negotiate cost reduction instances with existing suppliers. Evaluated the admission of new suppliers. performed review and approval procedures of vendor's payments. Reviewed vendor's contracts next to expire. Re-engineered accounts payable procedures to avoid late payments and demurrage fees. Scheduled work session meetings with regional managers to ascertain their knowledge of new standard procedures and prevent any loss of documents.
Imports Coordinator
Prepared all documentation required for customs clearance (brokerage, customs & taxes declarations). Scheduled shipping and ground transportation services with ocean lines and courier companies to ensure the timely delivery of goods to their final destinations. Verified transportation and warehousing service invoices.
Junior Buyer
GLAXO SMITHKLINE
CIDRA, PR, US
2005 to 2010
Charged to receive and review requisitions to ensure compliance with procurement policies and procedures. Carried out order processing transactions (JDE environment). Interviewed vendors to obtain information concerning product/service, price, ability of vendor to produce/service and delivery date. Assessed market values of items to determine reasonability of purchasing terms. Reviewed bid proposals from vendors. Prepared monthly key performance indicators (purchase order deliveries) report. Assisted the facilities manager to ensure proper operation and maintenance of GSK's home office environment. Oversaw storage of office supplies and receiving of goods. Supervised sub-contracted personnel. Successfully improved the procurement procedures resulting in cost savings of 35%.
Accounts Payable Auditor
ICI PAINTS
Carolina, PR
2003 to 2004
Entrusted to negotiate cost reduction instances with existing suppliers. Evaluated the admission of new suppliers. Performed review and approval procedures of vendor's payments. Reviewed vendor's contracts next to expire.
Re-engineered accounts payable procedures to avoid late payments and demurrage fees. Scheduled work session meetings with regional managers to ascertain their knowledge of new standard procedures and prevent any loss of documents.
Accounts Receivable, Collections & Accounts Payable Accountant SJU-CD/KUEHNE & NAGEL, INC
Carolina, PR
2001 to 2003
Accounts Receivable, Collections & Accounts Payable Accountant (SJU-CD/A)
Charged to analyze accounts. Performed review and approval procedures of payments and vendors. Managed claims of damaged and lost shipments. Negotiated and updated transportation rates. Inspected goods for air transportation.
Performed review procedures of billings. Performed collection and bank reconciliation procedures. Assisted the traffic department in the evaluation and hiring of new personnel.
Administrative Assistant
CITIBANK, N.A. / JONES LANG LASALLE
1997 to 2001
Entrusted to perform logistics and compliance activities. Translated technical manuals. Coordinated facilities maintenance. Provided solutions to customer inquiries.
Accounting Clerk
BUDGET RENT-A-CAR
Carolina, PR
1991 to 1996
Luis Muñoz Marín International Airport Branch
Charged to perform data entry, billing, collection and accounts receivable analysis activities.
Education
BBA in Electrician Engineering
San Juan Technological University
2009 to Present
Bachelor's in Business Administration
Metropolitan University of Puerto Rico
Credit Portfolio Analyst CV
Priscilla Presley
Credit Analyst
Glenview, IL
Work Experience
Credit Analyst
Scotia Bank
Glenview, IL
July 2011 to November 2015
Accurately and efficiently evaluated the credit worthiness of borrowing entities, by analyzing cash flow, balance sheets, tax returns, business plans, personal financial statements, and other financial information to determine repayment ability and the pricing, terms and conditions of credit approvals.
Performed in-depth fundamental credit analysis to determine loan risk ratings.
Prepared credit memo and commitment letter in accordance with Bank's guidelines.
Interacted extensively with loan officers and closing department for loans in process and approved loans.
Participated in the credit quality management of the Small Business credit portfolio by monitoring and minimizing past due loan payments, identifying and reporting problem loans, and developing corrective action strategies.
Accounting/Finance Intern
World Federalist Movement
Murdoch, MS
November 2008 to July 2011
Formally presented annual audit documents in accordance with the external auditor's requirements to support satisfactory audit processes and results.
Supported the accounting department with the maintenance of general ledgers, A/P reconciliation and credit card processing and reconciliations.
Prepared month-end journal entries and assisted with the maintenance of invoices to ensure the payment of all bills.
Assisted the HR department with monthly payroll operations for both NYC and Hague offices.
Certified Tax Preparer
IRS
Le Mans, AZ
January 2005 to October 2008
IRS-Certified to prepare state and federal taxes for low income taxpayers in the community and provide suggestions about their taxes for future financial planning.
Accounting Intern
World Federalist Movement
Glenview, IL
December 2002 to December 2004
Assisted accounting department with annual operating budget and prepared monthly controllable variance analysis report in an accurate and timely manner.
Maintained the general ledgers and performed operating expense reconciliations.
Processed timely payment disbursements to vendors and reviewed invoice to ensure proper coding and authorization.
Prepared month-end journal entries and reconciled monthly bank statements and credit card accounts.
Associate Financial Planner
Agricultural Bank of Argentina
August 1998 to May 2004
Interacted extensively with clients to assess clients' risk tolerance and time horizon then developed customized investment models and strategies for optimized asset allocation.
Performed independent research to address all of a client's key issues (tax, retirement, estate planning e.g.) and recommended suitable investment products and services for the clients.
Examined client's financial situations by checking their cash flow statements to make sure that the investment strategy is accurate and helped each investor decide the appropriate immediate and long-term investment strategy.
Licensed in: AFP (Associate Financial Planner); CHFP II (Certified Financial Planner)
Education
MS in Accounting
Seton Hall University
Mai 2014
BS in Marketing
Buenos Aires University
July 1997
Additional Information
Areas of Expertise:
Risk Analysis| Credit Evaluation| Financial Statement Analysis| Portfolio Management| Customer Service
Accounts Payable/Receivable| General Ledger| Account Reconciliations| Forecasting| Tax Return
Computer Proficiencies:
MS Word, Excel, PowerPoint, Bankway, LaserPro, Financial Edge, MRI, TaxWise, TaxACT and TurboTax
CPA Candidate, New Jersey (CPA Exam 3 out of 4 sections passed 2015)
Contract/ Credit Analyst at The Dispatch Printing Company
To obtain a position in the business sector that will provide me with solid knowledge and potential opportunity to pursue my long term career goals.
Work Experience
Contract/ Credit analyst
The Dispatch Printing Company
Columbus, OH
2002 to Present
Exceeded management goals in collections each month.
Played a key role in the credit and billing of several sales projects totaling in the six-figure range per project.
Monitored the collections and billing of the marketing event shows sponsored by the company and collected $300K- $450K in revenue.
Reconciled revenue for the event marketing shows.
Played a vital role in the implementation of the new accounting system.
Collaborated with managers to find more efficient processes regarding daily business operations.
Credit analyst
The Dispatch Printing Company
Columbus, OH
2001 to 2002
Analyzed the credit history of customers
Collaborated with the advertising department on customers with delinquent accounts
Created credit reports for customers with high revenue balances
Deputy clerk
Franklin County Municipal Courts -
Columbus, OH
1997 to 2001
Acted as a liaison between attorneys, judges and law enforcement personnel
Verified warrants
Handled public inquiries pertaining to the court system and provided excellent service to individuals and their cases
Flight attendant
U.S. Airways
Baltimore, MD
1995 to 1997
Prepped cabin by checking emergency equipment and first aid materials
Provided excellent customer service to passengers
Maintained safety throughout flights and dealt with any passenger concerns
Accounting assistant
Colorifics
Westerville, OH
1992 to 1995
Managed the accounts payables and receivables
Worked with the shipping and customer service departments
Prepared and sent out monthly statements
Made collection calls
Managed payroll and month-end & year-end statements
Education
M.S. in Marketing and Communications
The Franklin University - Columbus, OH
2012 to 2014
B.S. in Finance Management
The Franklin University - Columbus, OH
2000 to 2002
B.A. in Political Science
The Ohio State University - Columbus, OH
June 1996
Credit Portfolio Analyst
To grow personally and professionally as I lend my education and experience in Business, Finance and Accounting, and organizational skills to improve efficiency, affecting your company's bottom line.
Work Experience
Credit Analyst
First Federal Savings Bank
May 2013 to Present
Analyze credit and other financial reports to determine risk involved in loaning money
Generate financial ratios, evaluate customers' financial status, prepare loan memos, complete annual reviews and renewals, and other duties as needed.
Member
National Society of Collegiate Scholars
May 2006 to Present
Active involvement in community
One of six students in the degree program selected to go to Wall Street, sponsored by W.S.U.
Payroll Manager
Agri-Service, Inc.
July 2011 to May 2013
Prepare payroll, including commissions and tech service hours, for all employees of all locations
Accounting for all payroll entries, HSA's, FSA's, 401(k)'s, EBF and employee loans
Educator
Legacy Preparatory Academy
December 2018 to June 2011
Prepare and present lesson material to secondary level students of a charter school
Classes taught include: Financial Literacy, Accounting, Computer Technology 1 & 2, Web Design, and Keyboarding
Other Information
Proficient in multiple specialized computer programs as well as Microsoft Office
Education
B.A. in Business Administration
Washington State University - Pullman, WA
Ogden High School - Ogden, UT
Credit & Collections Analyst
CREDIT ANALYST - Husky Marketing & Supply Company
New Albany, OH
Confident, creative professional with over four years of accounting, marketing, and credit experience in the GAS INDUSTRY. A dynamic leader with strong presentation, negotiation, and communication skills, including the ability to communicate efficiently and effectively with diverse people from varying backgrounds. Proven ability to attract and secure key players in building strong and lasting business relationships. Background encompasses exceptional work ethic and commitment to achieving organizational objectives. Keen aptitude to assess need, solve problems, and complete projects producing professional results while adhering to rigid deadlines. Understands the value of teamwork and the necessity of individual preparation. Comfortable with working under pressure, efficiently multi-tasking, and balancing the competing needs of a multi-functional job. Knowledge of understanding overview of fraud risk assessment, investigations and reports.
Work Experience
CREDIT ANALYST
Husky Marketing & Supply Company
November 2012 to Present
Initiate marginalizing, early payment and prepayment activities working with Back Office as necessary.
Will develop new processes and procedures in regards to marginalizing and collateral management.
Will recommend, lesion all documentation related to credit support; e.g., guarantees, letters of credit, etc.
Maintain any Credit Support documentation in Solarc Systems Inc. and Documented as necessary.
Perform user testing related to Solarc Systems Inc. Credit Risk Report.
Perform periodic analyses of contractual credit terms and miscellaneous ad-hoc projects.
Document credit norm matters.
Analyze and recommend line of credit, terms based off of financial statements.
Initiate annual and spot reviews to ensure maximization of sales, and reduction of risk.
Monitoring credit operations duties and insuring that the risk management policies are adhered by for Husky Marketing & Supply Company portfolio.
Assist in the preparation, analysis and presentation of data for monthly reports; work on special projects to Senior Management and Treasury Department; assist in responding to information requests from internal and external customers for credit and/or corporate information.
Collection duties including: reviewing aging reports; contacting customers by phone or email on past due invoices; discrepancy reconciliation; and preparation of accounts for outside placement or legal action.
ALLOCATIONS ANALYST
Husky Marketing & Supply Company
January 2010 to October 2012
Credit and product allocations processes for gallon and credit availability
Assisted in set up new customers for credit and product allocations
Assisted in creation of upload spreadsheets for allocation processes
Assisted in the set- up carriers, loading numbers for customers at terminal level in limited time frame to maximize sales
Various reporting tasks for forward planning
Conduct weekly prepay invoices for jet customers
Monitor and manage the cash flow for jet fuel customers
Manage jet compliance to maximize sales on a weekly basis
Asses lifting issues to solve the problem to reduce credit risk and allow inventory to reconcile
React to changes in allocations to resolve individual store issues
Work closely with HMSC Credit for backup and collaboration to ensure reducing credit risk
Reconcile customer cash accounts for end of month true up processes
Organize work flow and using analytical thinking skills to identify potential problems and develop appropriate solutions
Assisted in Implementation of new system functions for credit allocation daily processes
Assisted in implementation of new system functions for product allocation daily processes
Implemented compliance for YTD jet fuel lifting's providing automation for jet lifting forecasts and data information for HMSC jet trader
ACCOUNTANT
Englefield Oil Co
2006 to 2010
Reconcile Pre-paid accounts, monthly vendor payments, monthly inventory allocations, healthcare accounts, workers compensation
Input daily cash, valuing the next day credits and charges, loan borrowing-paying downs on line of credit
Analyze expenses, margins, and cash for forty-two retail station locations to maximize and strengthen the Profit and Loss statements for the end of each month
Analyze and allocate monthly cash flow for forty-two convenience store chains
Analyze and allocate end of month expenses (utilities, over/short, bank service charges, telephone, taxes/licenses/fees, repairs and maintenance, lottery, money orders, spoilage
Analyze and accrue margins for end of month (beer, cigarette, dairy, grocery, pop, deli margins)
Skilled in Microsoft Office 2003, 2007, Rbase- DOS
Skilled in QuickBooks, Peachtree
Education
Bachelor of Science in Accounting
Franklin University - Columbus, OH
2011
Associates in Accounting
Hocking College - Nelsonville, OH
2009
Additional Information
Highly proficient with computer applications and systems, including: Microsoft office, Vizio, Solarc, Das systems
Treasury Management to manage cash flow
Liaison between industry suppliers to ensure timely flow of information and correction of issues.
Resolve customer issues such as credit cards, dealer deliveries, inventory discrepancies, in-store deliveries with vendors, cash management
Offer support to the sales of the corporation, provide statistical reports, analyzes information regarding business activity
Analyze monthly sales, cost, inventories, and margins
Project outside and inside sales
Assist in generating monthly bulk plant and gallon shrinkage
Reconcile various (multiple) accounts monthly
Tracking and managing inventories within twenty-six stores (multiple inventories)
Produce profit and loss statement every month
Department, freight sales, dealer affiliations involving the development of the company
Implementing processes to prevent sales interruptions which will contribute to profits
Work with multiple location personnel to supervise shipments and inventories
Participating in system development activities of our growing company
Excel reporting for Opis pricing, market move pricing
Post Rack market pricing for gas markets
Work with jet customer for compliance to determine monthly volume (actual versus estimated), to maximize sales for HMSC
Allocate and monitor daily gallon availability for over 200 gas and jet customers
Produce report stating the over limit of gas and jet customers
Customer service duties to jet and gas customers
Worked on system improvements to provide proper checks and balances within different job functions
Liaison between HMSC Credit and HMSC customers
Knowledge with SAP, Solarc Right Angle systems
Collection duties including: reviewing aging reports; contacting customers by phone or email on past due invoices; discrepancy reconciliation; and preparation of accounts for outside placement or legal action
Monitoring credit operations duties and insuring that the risk management policies are adhered by for Husky Marketing & Supply Company portfolio
Organize work flow and using analytical thinking skills to identify potential problems and develop appropriate solutions
SKILLS & CERTIFICATIONS
Previous Member of the Phi Theta Kappa Honor Society, Secretary
Association of Certified Fraud Examiners (ACFE) Associate Member
Association of Certified Fraud Examiners Central Ohio Chapter
Credit & Collections Analyst
Work Experience
Credit& Collections Analyst
Standard Register
Dayton, OH
January 2016 to Present
Dayton, OH - Present
Credit Collections/Accounts Receivable
Develop routine to timely identify, track, report and resolve customer disputes, payment promises and nonpayment reasons. Research and respond to all inquiries in a timely and professional manner. Negotiate with customers who are experiencing short term financial constraints to secure commitments to pay amounts due in the shortest time possible.
Monitor assigned portfolio to minimize risk to include being cognizant of changes in customer order and payment behavior, escalating risk concerns.
Cemex/Accountemps Dayton
Credit& Collections Analyst
Monitor accounts receivable identifying potentially adverse collection issues, and recommend appropriate actions to minimize credit risk. Follow up and resolve customer complaints, discrepancies processing track, report and resolve customer disputes, payment promises and nonpayment reasons. Negotiate payment plan and arrangements to secure commitments. Make recommendations regarding credit hold and/or the withdrawal of open lines of credit
Collections Specialist
Central State University, Accountemps
Dayton, OH
May 2011 to December 2014
Conduct preliminary financing interviews with new students. Provide students with accurate information regarding application process, loan counseling and their eligibility for State/Federal financial assistance, alternative financing, contracts and/or institutional payment plans, assist 10987 form, W-9 form from new vendors, bank run, prepare bank deposit, matching invoice to batches. Post payment and send invoices, processing registrations and rescheduling of classes. Update and processing, funding, billing and collections and reviewing claims for Attorney General.
Loan Processor
FIFTH THIRD BANK
Dayton, OH
March 2010 to April 2011
Serve as initial point of contact. Liaison between borrower, underwriter, loan originator and lender. Collect required documentation from applicants and follow up credit reports, 1099, HMDA, tax returns, invoices. Handle customer issues requiring supervisor involvement. Order credit reports title reports, appraisals. Maintain pipeline over 50-75 files.
Single Point of Contact
PNC MORTGAGE
Dayton, OH
April 2008 to April 2011
Single Point Of Contact/Loss Mitigation
Responsible for the quality, accuracy and timelines of the initial phone contact with our customers via telephone, web site, or email .Develop and mentor associates. Verify loan documents including income credit appraisal and title, clearing conditions, verifying insurance ultimately preparing application for submittal to underwriting. Answer calls and handle billing, collections efforts, review decision claims. Training new hires, supervise over 12-15 reps setup face-to face interview.
Sr. Collections Analyst/Sales Support
The Berry Local Leads Experts/Ramstad -
Dayton, OH
November 2006 to November 2008
Opening claims and handling easy claims that can be done on a one-call close. Responsible for research and handling any escalated item repayment plans. Responsible for posting payments, matching invoices rejections and making corrections to misapplied payments. Reviews claims, follows-up on billing, determines and applies appropriate adjustments, answers inquiries.
Loss Mitigation Specialist/Collections Lead
NATIONAL CITY MORTGAGE -
Dayton, OH
April 1994 to March 2006
Monitoring all phases of the collection and counseling. Achieve department goals, review problem accounts. Handle repay plans, partial claims, and modifications. Responsible for compiling data and preparing weekly and/or monthly reports to provide information on the progress delinquency and default. Counsel on financial debts, trained and lead 7-12 reps. Review claims and decisional.
Credit Portfolio Analyst CV
Job Description
Role Summary:
The individual will be part of a dynamic risk modeling team, which supports loss mitigation and profitable growth for the Branded portfolio business through the development and delivery of innovative modeling solutions. Working with key stakeholders and cross-functional groups, the individual will be required to operate strategically as well as tactically in all phases of the modeling validation process. He/she will use technical expertise combined with analytical acumen to provide top-flight deliverables in a fast-paced, Risk Management landscape.
Key Responsibilities:
Enhancing decision making process by exploring and testing advanced modeling tools and techniques. Be conversant with the databases and systems to turn around solutions on complex business problem.
Identifying opportunities in the Model Management process to recommend process improvements.
Performing rigorous analyses to identify gaps and opportunities within current suite of credit strategies to optimize risk/reward trade-offs.
Developing strategies to fine-tune models post implementation and use business analysis to complement model performance with the model usage for better decisions.
Managing ad hoc requests to support critical business analyses and decisions.
Interacting with all levels of management to facilitate understanding of risk models and analytical findings and to inform on critical decisions.
Preparing for and presenting analytical findings and explanatory reasoning to internal and external regulatory entities.
Qualifications
Related work experience.
Strong understanding of risk management and business strategies/actions and risk scoring.
Experience with econometric modeling and statistical modeling or application risk scoring.
Experience with Data Analytics
Excellent quantitative and analytic skills.
Proficient in SQL, SAS, and/or C programming in a UNIX environment.
Ability to manage effectively in a high pressure organization with multiple deadlines.
Results oriented.
Team player; excellent ability to work effectively across multiple business and functional areas
Strong written and oral communication skills
BS required in Mathematics, Engineering, Statistics, Physics or a relative quantitative discipline. Advanced degree within outlined field strongly preferred.
Credit & Collections Analyst/Specialist
To obtain a position with an organization that can benefit from my strong collections and manufacturing and distribution industry background.
Work Experience
Credit & Collections Analyst/Specialist
Accounting Principles/Accountemps/Adecco USA/Advantage Professionals
Los Angeles, CA
2008 to 2013
Los Angeles, CA
(Contracted to various client companies to perform collection duties on short and long term assignments)
Credit & Collections Analyst/Specialist
Old Castle Building /Zaszou Business Services/Christie Digital Systems
Collections, research deductions, shortages, pricing, freight, credit cards processing
Returns, issue credits memos & debit memos, write offs, credit holds, contracts, Rebates
Code deductions, account reconciliation, excel, unapplied cash, charge-backs, release orders,
Oracle, JD Edwards, AS400 aging reports, interact with Sales and Management,
Account Managed: Hastings, Sony, Fry's, Transamerica, Target, Disney, Walmart, Warner Bros
Discus Dental
Collections, put on credit hold, payment plans, charge-backs, new accounts
Release orders, account reconciliation, download aging, Excel spreadsheets
Apply payments on account, apply credits to open invoices, contracts
Process credit cards payments, review installment payments, Mas500
Write agreement letters to customers, write off accounts to collections
Accounts Managed: Canadian Accounts, Target, K-mart, Rite Aid, Walgreens, Walmart, Mars Foods
Collections, account reconciliation, approve order release
Research customer deductions, disputes, charge-backs, bad debt
Match returns and enter for credits, setup new accounts, apply payments
Verify trade & bank references, statements, write offs and contracts
Reconcile unapplied cash, cash application, upload aging into excel
Upload invoices from Excel to SAP, set credit limits, DNB
Apply credit memos, code deductions in SAP, request refunds checks
Issue credits, debit memos and write offs, analyze financial statements
Interface with Sales Managers, Customer Service, 3rd Party Collections
Assist Credit Manager with special projects
Accounts Managed: US Foods, Target, Wakefern, K-mart, Walmart, Grocery Stores
Accounts Receivable/Credit & Collections Specialist
Equity Marketing Inc
Los Angeles, CA
2007 to 2008
Reconcile unapplied cash, cash application, write offs
Collections, credit set-up and approval, release orders on hold
Issue credit and debit memos, interface with Managers and Sales
Accounts reconciliation, research deductions and charge-backs
Account managed: Kmart, Big 5, Target, Toys R Us, Walmart, Disney
Company went out of business (Laid Off)
Senior Credit & Collections Analyst
Diagnostics Products/Siemens Healthcare Diagnostics -
Los Angeles, CA
2005 to 2007
Made collections calls to accounts and enter into collections notes
Research and reconcile short payment and charge-backs accounts using shipping documents, purchase orders and contracts
Prepare write offs for bad debt, Import information into excel spreadsheets
Submit bad debt to 3rd party collection agencies as necessary
Issue credit memos for product returns, incorrect pricing, shortages, freight, discounts and sales tax. Process refunds to customers
Put on credit hold if past due and releasing orders, apply payments on account
Process credit card payments for past due account and prepaid customers and closed credit card batches for bank processing. Set up credit account and limits, financial statements
Interface with management, sales and customer service regarding customer issues and complaints, establish credit limits and extensions
Account Managed: Kaiser Hospital, Mayo Clinic, John Hopkins Hospital, Doctor Offices
Company merger moved department out of state (Laid Off)
Credit & Collections Supervisor
Razor USA LLC
Los Angeles, CA
2002 to 2004
Collections, Supervisor over A/R dept, Daily invoicing and EDI invoices
Research and reconcile deductions and chargeback's using shipping documents, purchase orders or using customer debit memo, Import information into excel spreadsheet
Cash application, batch checks and run cash receipts journals
Process credit cards payments and closed credit card batches for bank processing
Approve credit and debit memos for incorrect pricing, returns, shortages, freight and co-op advertising and enter into system, Train new employees
Put accounts on credit hold and release credit holds for shipping
Check business and bank reference for new accounts and approve credit limits
Establish customer limits using Dun & Bradstreet up to 70,000 as needed
Interface with Sales, Mgmt and Customer Service
Approve write offs for bad debt to submit to collection agency as needed
Reconcile monthly credit card batches and cash receipts journals and make sure all invoicing and cash receipts are balance for month end close, bank deposits
Accounts Managed Wal-Mart, JC Penney, Kmart, Toys R Us, Sports Authority, Target, Sears, Big 5
Company Laid Off due to Financial Problems
Accounts Receivable/Credit & Collections Specialist
Abacus Publishing Co
San Diego, CA
1996 to 2001
Apply checks to customer account, batch check and run cash receipts journal
Research and reconcile deductions and chargeback taken by customer, allowances
Issue credit and debit memos for returns, shortages, incorrect pricing, freight and sales tax
Collections calls on past due invoices, Release credit hold orders, co-op
Check business and bank references for new accounts and set credit limits
Establish customer limits using Dun & Bradstreet up to 30,000
Daily invoicing, Interface with Sales, Provide analysis reports to Managers and Sales
Accounts managed: Walden Books, Kmart, Thrifty Drugs, Sav-On, Target and Wal-Mart
Company went out of business
Education
Cerritos College - Cerritos, CA
Southwestern College - San Diego, CA
QUALIFICATIONS
Strong verbal and personal communication skills.
Decision making, critical thinking.
Self-motivated, takes initiative
Tolerant and flexible, adjusts to different situations.
Organization and prioritization skills.
Problem analysis, use of judgment and ability to solve problems efficiently.
Accuracy and Attention to details.
SKILLS
Oracle, AS400, JD Edwards (One World)(Enterprise), Mas90, Mas500, Epicor, Platinum, SAP, Solomon, Microsoft Excel & Word
Credit Analyst
Mirtha Legrand
Analyst, Corporate Credit Relationship
Work Experience
Analyst, Corporate Credit Relationship
HLM FINANCIAL COMPANY, INC
Evanston, IL
September 2012 to April 2015
Managed the credit and commercial relationship of HLM car-dealership portfolio.
Evaluated and assessed product performance through daily follow up on operations and collections.
Monitored credit lines according to comprehensive financial analysis, risk ratings and contingencies. Worked closely with clients' management, owners and legal counsels to ensure compliance with credit agreement and policy procedures of wholesale and retail financing. Interacted with business management regarding treasury annual plans to support expansion strategies of the business.
Collaborated with cross-functional teams including the Risk, Legal, Audit, Compliance and Internal Consultants teams to negotiate and close the credit and funding.
Analyst, Treasury & Trade Solutions, Global Transaction Services
Merchant Bank Subsidiary of Royal Bank of Canada, Illinois
2001 – 2004
Prepared and delivered treasury solutions proposals to existing and new top tier corporate clients ($400MM).
Advised transnational companies on global practices of cash pooling and cash management.
Negotiated contract fees and coordinated the domestic and foreign implementations teams including the bank IT area and product managers as well as client's treasury department.
Completed RFP for various local and international clients detailing fees and product offering according to client needs.
Major Deals
Advised on the cash management structure and cash pooling of FEEDEX creating a zero balance structure to ensure funds and efficient investing.
Sherman, Inc. Leading cash collection bank, achieved 100% of bank deposits from clients through a tailor made treasury solution for the 400 stores. Organized and implemented the project with over 20,000 monthly deposits and $30K of annual proceeds for the bank.
Intern, Advisory Services, Mergers & Acquisitions
Pricewaterhousecoopers LLP
National Louis University - Evanston, IL
February 2000 to August 2001
Six months member of the advisory team in Mergers & Acquisitions processes, buyer side.
Performed financial due diligence and market research in 5 projects of various industries, including health care, packaging, fitness and airline for domestic and international companies.
Analyzed financial statements to detect trends in working capital, assessed the quality of earnings, normalize EBITDA and collaborated with management to understand the operating business. Prepared final presentations and reports to clients (English & Spanish).
Background: Fluent in French and German.
Community: Member of the Environmental and well being committee implemented "Use the Stairs" campaign.
Education
Bachelor in Business Administration and Finance
Université de Lion, France
1995 to 1999
Credit Analyst
Work Experience
Credit Analyst
Curacao
Los Angeles, CA
January 2014 to Present
Responsibilities
My responsibilities can vary from giving accurate decisions on a customer's credit application, helping out fellow store associates when issues arise in an account, and work in a fast pace environment where customer service is still applied.
Accomplishments
My accomplishments in my position is help back up fellow associates with their work, be available to cover others shifts, and pass weekly test provided after meetings.
Skills Used
The skills I use would be my superb ability work with others and base decisions on credit limit by policies, charts but also by evaluating needs of a customer to make a proper decision.
Credit Verifier
Curacao
Los Angeles, CA
August 2011 to January 2014
Responsibilities
--Verify personal and financial date provided by customer
--Provide customer service towards store associates and clients
--Take credit applications by phone
--Train new associates to properly apply information to work
Education
Bachelor of Arts in Communication Studies
California State University Northridge - Northridge, CA
2011 to 2018
Credit Analyst
Houston, TX
Work Experience
Credit Analyst
Credit Horizon
Houston, TX
December 2009 to Present
Analyze and evaluated customers credit recovery applications
Gathered financial information such as credit bureau reports, income, savings/investments, and other account history
Review credit history to establish a pathway for the customer to gain credit worthiness
Educated customers on their rights and responsibilities to repair credit
Recommended programs best suited for the clients credit recovery path
Follow up with customers regarding up to date progress with their credit file
Student Finance Planner Team Lead
Everest University Online -
Tempe, AZ
February 2007 to December 2009
Lead the team in conducting financial interviews and loan counseling for payment options with new students to determine eligibility for Title IV, Education Plus funding and other private loans
Managing and monitoring pipeline of 120 or more financial aid student reports, collected and verified documents were in compliance with federal regulations for funding
Managed and maintained confidential student records ensure all documents were verifiable and within the guidelines of the Department of Education
Ensured all documents were accurate to reduce fraudulent risk to the lender for private funding
Reviewed student funding for accuracy and made sure all files were in compliance with the company verification requirements
Financial Service Advisor II
JP Morgan Chase Bank
Phoenix, AZ
April 2002 to November 2007
Advised Chase Health Advance customers on available financial services and provider networks
Analyzed medical private direct loans and financial document to eligibility criteria
Assisted customers with inquiries regarding the status of their medical accounts
Aggregated reported fraud packets for investigation of violations of federal banking and health care regulations
Performed KYC by verifying identity of customers and conducting due diligence investigations
Underwriter I
Arizona Federal Credit Union
Glendale, AZ
April 1996 to April 2002
Communicated with clients regarding loan options, investment products, and credit financing services
Compiled and evaluated individual financial documents to determine if borrower financial circumstances meet eligibility criteria was compliant to the company's and NCUA guidelines
Collected, reviewed and processed supporting loan documents for loan approvals or denials
Analyze completed applications, credit reports, debt to income, and loan to value ratios to ensure all documents are verifiable to reduce the risk of fraudulent activities
Reworked loan to new terms, identified conditions as needed, and maintained acceptable turnaround time frames for pre-approvals on funding packages
Reviewed loan packages for accuracy to ensure files were compliant with federal guidelines.
Member Service Consultant
Assisted members in opening or closing accounts and performing KYC when verifying identity checks
Reviewed bank account history to analyze fraudulent or suspicious activity, negative charges, and balances
Handled cash transactions, balancing vault and wire transfers
Processed foreign and domestic wire transfers or ACH payments for members
Reviewed members payment request authorizations and validation of signatures through internal systems
Assisted members in establishing payment arrangements for delinquent loans and personal accounts
Evaluated debit/credit card transaction declines as well as processed lost or stolen cards, fraud, & dispute reports
Education
Bachelors of Science in Finance
Arizona State University - Tempe, AZ
2001 to 2008
CV: Credit Analyst
Work Experience
Credit Analyst
Austin First Mortgage
San Francisco, CA
October 2014 to Present
Examine and approve loans exceeding $20.7 million adhere to compliance the law and operation control over industry risk to ensure guideline and credit control in accordance with federal regulatory standards.
Provide information and strategic insight to leaders' decision-making to support business initiatives, growth opportunities, and risk management.
Collect and analyze metrics to identify risk and propose improvement chances with limited directions.
Cultivate strong objective relationship with investors, bank, attorney, and peers inside the department.
Make recommendations that are tailored to the specific needs and circumstance of clients' investment.
Audi Brand Specialist
Audi Manhattan - Open Road Auto Group
New York, NY
April 2010 to October 2014
Analyzed new businesses, collected data on market trends, gave presentations for managers and clients that pitch the proposed strategy, forecasted sales, and prepared monthly client reports
Generated increasingly sales volume about $1.8 million by identifying target clients, establishing rapport and maintaining contact with current and potential clients
Volunteer-Tax Return
VITA at LIFT
Boston, MA
March 2008 to March 2010
Prepared Individual Tax Returns for clients based on in-depth interviews and identified eligibility for tax credits
Research Assistant
Syracuse University
Syracuse, NY
September 2006 to March 2008
Researched topics such as asset management, offshore financing, tax heavens, worldwide taxation, asset protection, money launder, and transfer pricing
Developed the Optimal Capital Structure Excel valuation model and populated the model with cost of capital, finical statements, and cash follows date for strongest targets.
Singapore General Hospital
Singapore
June 2001 to August 2006
Singapore
Recommended, developed and led a LACE-core readmission data to measure the profitability of their core lines of business, which provide service cost cutting, led to a refocusing of their sales.
Evaluated the Chronic Disease Management Program with qualitative analysis.
Education
MS in Finance
Syracuse University - M.J. Whitman School of Management - Syracuse, NY
2011 to 2012
Additional Information
Technical Skills: MS Office: Excel Power User (VBA, Functions, Macros), PowerPoint, Word
Other Software: SQL, Bloomberg (Certified), Quickbook, Peachtree
SENIOR CREDIT ANALYST
Work Experience
SENIOR CREDIT ANALYST
SEKISUI TA INDUSTRIES
Brea, CA
November 2004 to November 2006
Credit and collections on Accounts Receivable file of over $12 million (700 accounts)
Reduced over 60 days past due from $2.7 million to $0.00
Working with customers to release orders if they are past due or over their credit line
Setting credit lines using references, payment history, and review of financial statements
SENIOR CREDIT ADMINISTRATOR
LENNOX HEARTH PRODUCTS
Orange, CA
April 2001 to November 2004
Credit and collections on Accounts Receivable file of over $12 million
Reduced over 70 days past due percentage from 18% to 0%
Reduced the days outstanding from 69 to 35 days
Setting credit lines using references, payment history, and review of financial statements
Working with customers to release orders if they are past due or over their credit line
STAFF ACCOUNTANT
AUTOMATIC DATA PROCESSING
La Palma, CA
June 1995 to April 2000
Began as an Associate Accountant, promoted to a Staff Accountant in September'98
Coded vendor invoices for payment
Responsible for employee expense reimbursements
Accrued unbilled expenses and reconciled expense general ledger accounts at month end including inventory
Compiled weekly revenue for reporting to management
Reconciled revenue general ledger accounts
Assisted in revenue and expense forecasting
Completed various month end reports
COLLECTIONS SPECIALIST
AUTOMATIC DATA PROCESSING
Los Angeles, CA
October 1993 to May 1995
Supervised three collectors on Accounts Receivable file of over $6 million
Reduced over 60 days past due percentage from 20% to 0%
Created adjustment process to ensure that proper general ledger accounts were affected
CREDIT AND COLLECTIONS ANALYST
FARR COMPANY
El Segundo, CA
April 1990 to October 1992
Credit and collections on Accounts Receivable file of over $6 million
Set credit lines using references, payment history, and review of financial statements
Worked with customers to release orders if they were past due or over their credit line
In charge of cash applications
DEALER CREDIT REPRESENTATIVE
TELAUTOGRAPH CORPORATION
Los Angeles, CA
October 1985 to March 1990
Began as a Collector, promoted to District Rep in July'88, promoted to Dealer Rep in May'89
Credit and collections on Accounts Receivable file of over $4 million
Set credit lines using references, payment history, and review of financial statements
Worked with customers to release orders if they were past due or over their credit line
Supervised a clerk, as a district rep
Trained all credit employees on work processor and printer
COLLECTOR
US WEST INFORMATION SYSTEMS
Torrance, CA
April 1985 to June 1987
Temporary employment doing heavy telephone collections
SHIPPING INSPECTOR
HUGHES AIRCRAFT COMPANY
Long Beach, CA
June 1982 to March 1985
Inspection of items to ensure compliance with contracts (90% government)
CREDIT REPRESENTATIVE
FLYING TIGERS
Los Angeles, CA
January 1983 to June 1985
Began as a Senior Clerk, promoted to a Customer Service Rep in April'83, promoted to Credit Rep in October'83, promoted to Credit Rep II in January'85
Collections on Accounts Receivable file of over $5 million
Education
BACHELOR OF SCIENCE in BUSINESS AND MANAGEMENT
UNIVERSITY OF REDLANDS - Redlands, CA
2000.
Revenue and Credit Manager - Peninsula Hotel Beverly Hills
Pursuing an opportunity in financial investing industry.
Work Experience
Revenue and Credit Manager
Peninsula Hotel Beverly Hills
Beverly Hills, CA
March 2012 to Present
Management all aspect of accounts receivables and client credit account
Monitor and forecast revenue stream of all hotel outlets
Audit and improve revenue capturing systems
Assist with budgeting base on revenue forecast.
Innovate and implement accounting and financial processes for efficiency.
Assist director of finance in month-end closing procedures.
CPO
Commerce Inc
South Pasadena, CA
July 2010 to March 2012
Financial and Credit Analyst Intern
Managed full-cycle accounts payables.
Month end account closing duties not limited to, -made adjusting general ledger entries. -maintained equipment depreciation and accrual accounts, - compiled profit and lost statement
Managed product return process with warehouse and coordinate credit payments with vendors.
Forecast working capital to coordinate with account payables team.
Cooperate with external auditors for annual financial audit.
Accounting Clerk I - Grants Accounting
Los Angeles Housing Department
Los Angeles, CA
September 2007 to December 2008
Reconcile account payables and account receivables
Adjusting journal entries for quarterly account closeouts
Performed monthly bank reconciliation and assist in creating financial reports.
Education
International Finance
University of Hong Kong - Hong Kong, HK
January 2010 to June 2010
Bachelor of Science in Business Economics
University of California - Riverside, CA
September 2006 to June 2010
College of Economics
SKILLS
Additional Language: Fluent in Cantonese and Mandarin.
Microsoft Excel: Proficient in data analysis such as vlookups and pivot tables
Enterprise Resource Planning Software: 4+ years of experience with EPICOR, Navision, Quickbooks, and related ERPs
PC and Internet: Comfortable with new technology, software and research via internet.
Procurement Buyer - IT - UNFI - Corporate IT
Position within a competitive and reults-oriented company that seeks an ambitious and career conscious person, where exceptional personal skills and acquired technical skills can be completely utilized toward success and growth.
Work Experience
Procurement Buyer - IT
UNFI - Corporate IT
Providence, RI
November 2007 to Present
Obtain quotes and negotiate pricing in coordination with budget by project and or request
Provide customers with IT / Telecommunications requests in a timely manner
Expedite the approval through Docusign system
Provide delivery lead times from suppliers in support of client's needs
Consult proactively with Managers, Directors and Vendors regarding upcoming projects
Maintain the list of all Authorized Approvers for the company nationally.
Report on Procurement Metrics such as days to order and Consultant reporting
IT Contracts Management / IT Vendor Management
Review contracts and work with Legal on MNDA, MSA, End User Licensing agreements and other legal documents
IT Asset Management
Responsible for administrative duties within IT procurement. Maintain ITAM database containing information regarding licenses, warranties, and service agreements for the organization's hardware and software
DocuSign Administrator
Set up and problem solve DocuSign accounts nationally.
Procurement Buyer - Biological, Scientific Services, IT
Manpower, Inc. Pfizer, Inc
Groton, CT
June 2006 to September 2007
Processed all Ariba Buyer requests within the Biological, IT, Telecommunications, Office Supply and Lab Supply commodity areas in a timely manner.
Obtained quotes and delivery lead times from suppliers in support of client's needs.
Expedited the approval process of all rush requests submitted with Ariba Buyer.
Ensured ASL Financial and International compliance for all Ariba Buyer requests.
Acquired direct contacts from all major suppliers within supporting commodity areas.
Provide delivery, price and availability confirmation to clients on a daily basis.
Developed strategies to prevent MQE invoice errors and strengthened the purchase to payment process for approved requests within Ariba Buyer.
Utilize the Computron PO Module Desktop in distributing purchase orders and reporting PO voucher details.
Logistics Finance Analyst
Unilever HPC
Clinton, CT
September 1997 to May 2006
Sustained budgets and prepare performance reports for 40 cost-centers. Purchase orders, Process, audit, analyze and prepare journal entries for all 10 indirect costs centers.
Maintain petty cash, company purchasing card for site location and bank deposits.
Prepared capital reports, indirect commentaries and balance sheet.
Transportation Analyst
Responsible for warehouse management, tendering freight using MTM, resolving service issues with internal and external customers, carriers and vendors.
Managed key performance indicators and transferred knowledge to my team.
Forecasted surge in transportation promotions.
Processed freight bills, corrected carrier and end user errors then created reports developed from Cass Bank data base.
Financial Analyst
Maintained accounts in the finance department to ensure the customers are in compliance with payment terms by analyzing and researching customer accounts for improvement.
Matched deductions with credits, and ran credit reports for the National Association of Credit Management.
Responsible for Dunn & Bradstreet reporting to management on accounts trying to obtain new credit limits
Education
Early Childhood Education
Community College of Rhode Island
1990 to 1991
COMPUTER SKILLS:
Advanced user capabilities within Ariba Buyer and Computron PO Module Desktop.
Proficient approval of non-catalog purchase requests within Ariba.
Exceptional search and reporting competence within Ariba Buyer.
Outstanding Ariba catalog utilization skills within the VWR, Invitrogen and Sigma Aldrich Punchout eCatalogs.
Highly developed Microsoft Office Suite, Remedy, DocuSign and Outlook.
Excellent user skills in the following software packages: SAP, MTM, ADP, CARMS, OMS, Globalview, TSO, and Lotus Notes.
ADDITIONAL SKILLS:
Knowledge of technology such as Dell and Apple
Broad-based knowledge in Financial Planning, Procurement, Computer Operations
and Customer Service
Possesses excellent problem solving and project management skills
Demonstrated strong analytical skills with a proven ability to successfully manage
multiple priorities and assignments
Proven capacity to approach problems effectively and creatively
Operate under minimal supervision in managing multiple commodities
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