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Credit Manager Resume Example

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CREDIT MANAGER
Professional Summary

Capable of giving each customer targeted advice, service options and product recommendations to serve debt management needs. Effective at building and implementing plans for each person or organization. Proficient in factors affecting credit scores and how to handle each situation.

Skills
  • Self-motivated professional
  • Client counseling
  • Repayment plan structuring
  • Time management
  • Bookkeeping
  • Cash Flow analysis
  • Credit report pulling/analysis
  • Account reconciliation specialist
  • Strong communication skills
  • MS Office Suite
  • Risk assessment
  • Fair debt practices
  • Customer relations
Work History
Credit ManagerJan 2016 - Current
Farmers Home FurnitureTroy, AL
  • Investigated and evaluated customers for creditworthiness and potential risk factors
  • Monitored accounts for signs of fraud and non-payment issues
  • Referred delinquent accounts to collections department or outside resources
  • Oversaw all reporting, documentation and recordkeeping requirements for department
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements
  • Collaborated with management to evaluate credit strategies and develop improvements
  • Work cross-functionally with sales, management and other departments to maintain effective operations
  • Devised collection recovery strategies to resolve customer issues and delinquent cases
  • Attended ongoing professional training to facilitate accurate and productive credit management
  • Used Celerant and Credit Commander/ to perform credit appraisals, document verification and loan approvals
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts
  • Developed strategies to expedite payments and customer resolutions
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments
CollectorMar 2012 - Jan 2016
Farmers Home FurnitureTroy, AL
  • Maintained high volume of calls to meet demands of busy group
  • Trained new team members on scripts, company services and performance strategies and provided mentoring
  • Monitored accounts for compliance with established payment plans and flagged those in violation
  • Used skip tracing and other techniques to locate debtors
  • Contacted customers to discuss payment schedules and set up or immediately process payments
  • Maintained compliance with fair debt practices and regulatory guidelines
  • Collected on past due accounts with average 2-6 months delinquency
LaborerJul 2010 - Oct 2011
Alabama Field Service CompanyMobile, AL
  • Worked alongside team to accomplish work goals according to schedule
  • Updated logs and reported on job progress
  • Collaborated with team members to carry out efficient work with optimal safety and achieve timetables
  • Cleaned, operated and maintained machinery for optimal team productivity
  • Gathered waste and trash from job sites for placement in refuse containers to keep job sites clean and organized
  • Learned how to complete lock changes with minimal supervision to contribute to project success
  • Determined materials needed for daily shift and loaded vehicles with equipment and supplies
  • Efficiently prepared job sites by removing debris and setting up materials and tools
  • Brought materials and tools from trucks and storage facilities to work site locations and organized for expected needs
  • Supported needs of the team leader/supervisor with skill and efficiency
  • Observed site safety rules to maximize protections for team members and equipment
  • Performed general housekeeping and cleaning tasks, including, sweeping, pulling weeds, painting and power washing
  • Used required tools to complete jobs, including hammers, saws, squares, levels and fastening devices
CashierFeb 2009 - Oct 2009
Sam's ClubMobile, AL
  • Checked prices for customers and processed items sold by scanning barcodes
  • Restocked, arranged and organized merchandise in front lanes to drive product sales
  • Helped customers complete purchases, locate items and join reward programs to promote loyalty, satisfaction and sales numbers
  • Counted cash in register drawer at beginning and end of shift
  • Checked identification for proof-of-age and refusing alcohol and tobacco sales to underage customers
  • Processed POS transactions, including checks, cash and credit purchases or refunds
  • Reconciled cash drawer at start and end of each shift, accounting for errors and resolving discrepancies
  • Checked bills with counterfeit pens and examined coins to spot and refuse foreign currency
  • Promoted customer loyalty and consistent sales by delivering friendly service and knowledgeable assistance
  • Assisted customers by answering questions and fulfilling requests
  • Used cash registers and POS systems to request and record customer orders and compute bills
Education
Advanced Diploma : General studiesMay 2007
Pike County High SchoolBrundidge, AL
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Resume Overview

Companies Worked For:

  • Farmers Home Furniture
  • Alabama Field Service Company
  • Sam's Club

School Attended

  • Pike County High School

Job Titles Held:

  • Credit Manager
  • Collector
  • Laborer
  • Cashier

Degrees

  • Advanced Diploma : General studies May 2007

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