Credit Analyst resume example with 15+ years of experience

(555) 432-1000,
Montgomery Street, San Francisco, CA 94105
Experienced Commercial Credit Analyst with a demonstrated history of twenty plus years working in the Oil and Gas, and Mechanical or Industrial Engineering industries. Skilled at analyzing credit data and financial statements, full cycle accounts receivable, account reconciliation, People Soft, Microsoft Dynamics Great Plains, Nav and Solomon. Strong finance professional graduated from Rutgers University, The state University of New Jersey with the ability to effectively communicate, and establish working relationships with management, clients, and staff personnel.
Education and Training
Created the following: Policy and procedure for all customers over their credit limit. Summary and recommendation form used as a part of the credit approval process.
Reduced unapplied/cash credits on customer A/R accounts equaling 5000 lines worth approximately 7M and affecting 4500 customers down to 629K equal to 9% 
Increased company revenue from 18 Million to 44 Million by researching and resolving billing problems that had been previously missed.

Credit and Risk Analysis, Excel, Pivot Tables, Microsoft Office, Microsoft Dynamics SL, NAV, and Great Plains, Invoicing,  Account Reconciliations, Accounts Receivable, Administrative Duties, Coaching and Mentoring skills, Prioritization, Ability to work in a multi task deadline oriented environment. Ability to maintain accurate and detailed records and files. Communication and customer relations skills.

Guaranty Bancshares, Inc. - Credit Analyst
Houston, TX, 08/2015 - Current
  • Credit and risk analysis for two divisions. Team Industrial Services and Furmanite formally acquired by Team Industrial services. Responsible for all credit applications and monitoring of all active customers with an AR of over 36 million dollars for twenty three regions on the Furmanite side and monitoring of accounts on the Team side including financial analysis, review of Moody's S&P and Z scores through credit risk monitoring for public companies as well as the use of Dun & Bradstreet and trade references in order to identify potential credit risks for all new and existing customers including admin hold and releases.
  • Approval of credit limits and Net payment terms, maintenance of database for all credit limit requests and changes. 
  • Monitoring compliance with credit policies and procedures, including annual customer credit limit reviews and customer watch lists.
  • Working relationship with sales, administrative personnel, Insurance and Contract departments.
Danaher - Credit Analyst/ Receivable Specialist
Cedar Rapids, IA, 04/2013 - 04/2015
  • Full process accounts receivable for an international offshore service provider.
  • Routine responsibilities included, credit analysis and approval of all new customers up to $60,000 using Dun and Bradstreet and Cortera credit reporting.
  • Worked closely with the sales team to ensure that sales were optimized and credit risk kept at acceptable levels. 
  • Release of orders on hold, high volume invoicing of all service, sales and rental invoices including email and or uploading of invoices to portals, cash applications including verification, posting and daily reporting to the executive staff all funds received from lockbox, wires, ACH and credit cards.
  • Interaction with clients, vendors, and internal team members to ensure timely delivery under tight deadlines and all resale and exemption certificates are obtained and maintained for all qualifying customers purchasing from the company.
INTERTEK - Accounts Receivable Resolution Coordinator Contractor
City, STATE, 06/2010 - 05/2012
  • Managed international customer issues (all locations), research and coordination with cash/collections to reduce unapplied/cash credits on customer A/R accounts equaling 5000 lines worth approximately 7M and affecting 4500 customers, liaison between customer, sales and operations to resolve disputes and discrepancies as well as communication with operations and billing.
  • AR administrative duties including W-9's, and Vendor Set-ups.
  • Processing of credit card payments and credit card reconciliations done daily to reconcile transactions processed to cash received.
  • Coordination with India to process customer refunds.
Datavox - Credit Analyst/Accounts Receivable Supervisor
City, STATE, 02/2007 - 01/2010
  • Supervised credit/collections and cash applications including two collections personnel.
  • Preparation of credit recommendations for the Vice President of Finance.
  • Key elements were account reconciliation and cash applications.
  • Prepared bank deposit.
  • Processed electronic credit card payments.
VELOCITY EXPRESS - Credit and Collections Analyst
City, STATE, 06/2005 - 02/2006
  • Responsibilities included 115 locations nationwide.
  • Reviewed, Monitored and evaluated existing customer's account for credit hold and release.
  • Account Reconciliations, credit memos; posted all ACH, check wire and credit card payments.
  • Coordinated with sales in the resolution of disputes and collections.

STEWART MORTGAGE - AR/Collections Specialist
City, STATE, 11/2002 - 02/2005
  • Managed AR for multiple locations including collections, account resolution, credit memos, misapplied payments and weekly reports to management.

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Job Titles Held:

  • Credit Analyst
  • Credit Analyst/ Receivable Specialist
  • Accounts Receivable Resolution Coordinator Contractor
  • Credit Analyst/Accounts Receivable Supervisor
  • Credit and Collections Analyst
  • AR/Collections Specialist


  • BA

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