Credit Analyst Resume Example
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CREDIT ANALYST
Professional Summary
Extensive years of quality experience looking to transition into and join a team where hard work, dedication, up-to-date industry knowledge, and great customer service is appreciated and expected. Enthusiastic business professional with wide-spread transferable skills in management, sales, and operations. Exceptional ability to connect with people and understand their wants, needs, desires and delivering legendary service on every interaction.
Skills
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Experience
Cleveland-Cliffs Inc.Saint Paul , MNCredit Analyst12/2017 to 05/2019
- Researched and analyzed financial facts on new and existing clients
- Approved drop ship and/ or special orders and requests; requested deposit payment as needed
- Provided credit approval on Contract orders
- Managed large projects for Purchasing Agents
- Managed all aspects of the Fine Designer Textiles and Fabrics/ Furniture role
- Maintained account books and accounting systems with accuracy by entering data precisely and proofreading.
- Performed research and due diligence to resolve issues in a timely manner.
- Initiated payment recovery for overpayment.
- Executed accounts receivable reporting enhancements and reconciliation procedures.
- Performed debit, credit and total accounts on computer spreadsheets/databases, using specialized accounting software.
- Reviewed credit records to evaluate customer histories.
- Developed a comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Requested financial documents from customers.
Hajoca CorporationBentonville , ARCustomer Service Representative09/2015 to 07/2017
- Knowledgeable in products and services such as heating, cooling, plumbing, installations,and home automation.
- Scheduled oil/propane deliveries as well as service using the CRM database.
- Cultivated impactful relationships with customers and drove business development by delivering product knowledge and services.
- Consulted with customers to determine the best methods to resolve service, delivery and billing issues.
- Collected customer feedback and recommended procedural or product changes to enhance future service delivery.
- Negotiated customer pricing for oil, propane and service plans.
- Conferred with customers by phone, email, or in-person to provide information about deliveries, services, order entry, account adjustments.
TD Bank N.A.City , STATETeller Service Manager10/2004 to 09/2014
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Adhered to strict guidelines regarding financial and customer data to avoid breaches and information misuse.
- Prepared financial and/or regulatory reports required by laws, regulations, and regional operations officer.
- Prepared operational and risk reports for management analysis.
- Reinforced Teller Operational Standards with team members.
- Increased knowledge of banking products and services by actively participating in available training classes and workshops offered to employees.
- Performed basic administrative tasks such as handling phone calls, inquiries, and emails, regarding banking products.
- Demonstrated competency of settling vaults, completing teller and branch audits of all monetary instruments.
- Audited and exchanged foreign currency as well as ledgers for safe deposit boxes.
- Developed marketing strategies for the branch on a monthly basis.
- Ran Bank Day for children to learn more about banking and financial literacy.
Additional Experience
Accounts Receivable
Agency: Robert Half
Company: J. Kings Food - Hauppauge, NY February 2020 to March 2020
- Reviewed orders on credit hold and determined within the parameters of company policy whether to remove the order from credit hold or to hold the order pending resolution of the customer's account.
- Collected monies owed from delinquent accounts within an assigned portfolio and guided Territory Managers regarding the same.
- Responded to statements, answered correspondence and phone requests from customers and Territory Managers, investigated mail returned as undeliverable, and responded to bi-weekly past due to notices sent to customers.
- Investigated financial stability and determined the creditworthiness of prospective customers applying for credit.
- Established, maintained, and adjusted credit limits and payment terms for existing accounts as per company policy.
- Recommended customers for outsourcing to litigation and prepared collection files for review by the Manager of Credit & Collections.
Education and Training
Certificate of Studies:Pharmacology03/2014Sanford Brown , City
Associate of Science:Business Administration05/2004Suffolk County Community College, City
Certificate of Studies:Computer Science And Data Processing06/2002Wilson Technological Center , City
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School Attended
- Sanford Brown
- Suffolk County Community College
- Wilson Technological Center
Job Titles Held:
- Credit Analyst
- Customer Service Representative
- Teller Service Manager
Degrees
- Certificate of Studies : Pharmacology 03/2014
Associate of Science : Business Administration 05/2004
Certificate of Studies : Computer Science And Data Processing 06/2002
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