Credit Manager Resume
2.00/5 (Submit Your Rating)
Atlanta, GA
SUMMARY
- Proven success providing comprehensive insight into credit book performance to support the optimization of credit risk decisions and segmentation and analysis of the portfolio. Highly analytical and performance focused analyst with experience in recognizing and mitigating credit and industry risks.
- Highly accomplished professional with more than eight years’ experience providing credit analysis, approving credit, diagnosing data incongruities and managing multi - million-dollar credit portfolios. Technical proficiencies in Microsoft Access, Excel, PowerPoint, Word, and ERP systems (SAP, Lawson), as well as BI tool (QlikView).
AREAS OF EXPERTISE
- Risk Assessment/Mitigation
- Due Diligence
- Strategic Planning
- Compliance Management
- Credit Reporting
- Relationship Building
- Credit Risk Analysis
- Credit Policy & Procedures
- Process Improvements
PROFESSIONAL EXPERIENCE
Credit Manager
Confidential, Atlanta, GA
Responsibilities:
- Perform wide-ranging activities, including minimizing debt losses, investigating credit applications, managing corporate financing programs while maintaining the corporate credit policy.
- Hold bottom line accountability for analysis, due diligence and approvals for a portfolio of 3,000 accounts valued at $300M annually.
- Assess and determine credit worthiness of customers by collecting, preparing, analyzing and interpreting financial statements and reports. Mitigate credit risk and loss by executing training sessions for new hires on AR recovery and identification of fraudulent activity.
- Successfully processed $10M+ annually and reduced transaction cost by $20k monthly by identifying and implementing accurate credit card procedures.
- Optimized data integrity and financial reporting of 2,000 files with incorrect identifiers, duplication, and other outdated/incorrect information.
Credit Analyst
Confidential, Atlanta
Responsibilities:
- Improved the accuracy of risk scoring model and account summary formulas used in assessing the risk/reward of new and existing accounts by liaising with Credit Director.
- Increased revenue by more than $2M while spearheading AR and payment analysis project to improve cash flow and reduce unearned discount, discrepancies and aged invoices.
- Improved DSO by 8 days and maintained AR 99% current as well as slashed write-offs to $0 by implementing payment analysis tool in SAP capturing customer payment method and frequency.
Senior Account Receivable Analyst
Confidential, GA
Responsibilities:
- Recovered more than $2M at risk of bad debt by building strong relationships to resolve invoice errors, aged invoices, freight issues and billing disputes between 2013 and 2015.
- Successfully kept AR portfolio 98% current and reduced write-off by more than 95%.
- Worked with Business Analyst and QlikView team to develop and execute AR Analytics and Sales Analytics that improved the accuracy of financial review, reporting and account management as well as reduced cost.