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Senior Credit Analyst Resume Example

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Jessica Claire
Montgomery Street, San Francisco, CA 94105
Home: (555) 432-1000 - Cell: - resumesample@example.com - -
Summary
  • Dynamic and polished Credit professional with the capability to implement and manage Credit, Collection and Dedcution teams. Accomplished in developing methodogies that predict future risk behaviors. Possess strenghts in decision making and ris assesments.
Skills
  • AR/Credit Analysis
  • Coaching
  • Mentoring
  • Credit Analysis
  • Financial data gathering
  • Oral and written communications
  • Policy and procedure management
  • Commercial and Consumer Credit Reports
  • Financial Statement review
  • Proficient in SAP, BW, Excel, Salesforce, Outlook
Experience
01/2016 to Current
Senior Credit Analyst Independent Bank Group, Inc Georgetown, TX,
  • Review customer financial data to ascertain level of risk involved for extending credit.
  • Conduct credit reviews on corporations to assess financial conditions.
  • Meet with upper management and provide insight into credit decisions.
  • Comprehensive understanding of financial statements and credit industry reports, enhancing opportunities to assess risk.
  • Maintain compliance with internal controls and external audit.
  • Assessed customer credit files regularly to review receivables.
  • Developed debt collection protocols applicable to all delinquent accounts, defining timelines for courtesy calls and referral of problem accounts to debt collectors.
  • Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
  • Interfaced with representatives from credit associations to request credit scores and reports for applicants.
09/1997 to 03/2015
Business Operations Analyst Cb Richard Ellis Oxford, MS,
  • Collected and analyzed sales data to generate deep understanding of customer purchasing habits.
  • Implemented a stock status change and exit strategy calendar.
  • Assisted with long-range planning by recommending "carry over" patterns.
  • Analyzed operational performance to identify forecasting pain points and provided actionable solutions
  • Reduced factory lead times by creating a forecsting tool for Sales and Licensees.
  • Monitored, analyzed and interpreted trends from Nielson
  • Collaborated with President and VP of Operations to discuss cutomer needs and challenges.
  • Analyzed sales strategy and initiatives and provided actionable improvements to management.
to
National Account Executive Stanley Black & Decker, Inc. Boston, MA,
  • Met and consistently exceeded revenue targets with proactive, customer-specific suggestions of and guidance of footwear purchases.
  • Conferred with management to offer feedback on operations and promotions based on customer preferences and purchasing habits.
  • Provided every customer with comprehensive assistance upon entering store through merchandise selection and completion of purchases.
  • Reset store displays for special events and seasonal merchandise changes.
  • Met and consistently exceeded revenue targets with proactive, customer-specific suggestions of accessories and related items.
  • Provided excellent service and attention to customers when face-to-face or through phone conversations.
  • Increased territory revenue by 45% by establishing and maintaining account relationships.
to
Senior Credit Manager World Fuel Services Corporation Wauconda, IL,
  • Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
  • Disseminated information regarding cash flow to appropriate stakeholders, enabling decisions for credit risk policy adjustments.
  • Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
  • Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
  • Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
  • Gathered information related to assessment of annual bad debt to carry out in-depth reviews.
  • Completed ongoing professional training to facilitate accurate and productive credit management.
  • Applied deep understanding of industry best practices and legal requirements to prevent critical incidents.
  • Worked with management to evaluate credit strategies and develop improvements.
  • Resolved problems and maintained positive cash position, achieving recognition across organization for having insight, due diligence and precision skills.
  • Compiled data and analyzed latest trends, identifying risks preventatively.
Education and Training
Expected in
: Paralegal Studies
Davenport University - Grand Rapids, MI
GPA:
Activities and Honors
Accomplishments
  • Implemented Collection Past Due letters and a Process Calendar for delinquent accounts.
  • Proficient in reviewing Financial Statements and analyzing Industry and Risk Reports.
  • Passionate in Training, Development and Mentoring Experience Highlights – Operations Related.
  • Implemented a stock status change calendar that improved product flow, exit strategies and reduced Close-Outs by close to 30%.
  • In addition, this process saved the division $85K in margin dollar loss and improved inventory turn during the first 6 months of implementation.
  • Managed all Global Pending Purchase Orders improving the time in which orders went from a hold status to production, reducing pending orders by 20% within one month of new responsibility.
  • Partnered with Demand Planners to execute purchases based on sales, demand and trends.
  • Designed and managed a Forecasting Tool for Sales and Global Licensees which improved factory buys.
  • Provided all new hire and ongoing training for Sales and Operations Experience Highlights – Sales Related.
  • Proven B2B Sales Executive – Ranked in Top 5 weekly – Consistently met goals and quotas.
  • Increased territory revenue by 45% - maintained and established new account relationships.
  • Presented and coordinated National and Regional Tradeshows.
  • Effective and Entertaining Presenter – I know how to close the deal.
Additional Information
  • Proficient in all aspects of Credit and Collection Management including 3rd Party Collections Skilled in Acquisition procedures with regard to A/R transfers and Go Forward implementations Successfully managed and collected the AR Balances from Customers exiting a Distributorship Program Qualified in managing a diverse team of Regional Credit Managers, Collectors and Deduction Analysts Control bad debt exposure by implementing a Semi-annual Account Review process on Key Accounts Developed a Collection Timeline Process to stay in line with the Corporation’s DSO mandate
Certifications

Certified Credit Executive

NACM (National Association of Credit Managment)

Advanced Certified Credit and Collection Expert

ACA (American Collectors Association)

FDCPA Certified (Federal Debt Collectors Practice Act)

Licensed Realtor - State of Michigan

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Resume Strength

  • Length
  • Measurable Results
  • Personalization
  • Target Job

Resume Overview

School Attended
  • Davenport University
Job Titles Held:
  • Senior Credit Analyst
  • Business Operations Analyst
  • National Account Executive
  • Senior Credit Manager
Degrees
  • Some College (No Degree)

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