Senior Credit Analyst Resume Example RYERSON, INC

SENIOR CREDIT ANALYST

Summary

Dynamic and highly qualified Credit Analyst with extensive knowledge of accounting principles, credit/collections, resolving delinquent accounts, negotiating account adjustments and mediating customers' concerns.

Highlights

Accounts receivable professional
Strong communication skills
Expert customer relations
Research and analysis

Analytical reasoning
Account reconciliations
Complex problem solving
Negotiation and mediation

Accomplishments

Promoted twice within 5 years based on outstanding performance evaluations
Saved in excess of $150,000 in charge-backs
Collected $600 million of $700 from OEM customer
Researched and resolved billing problems that had been previously missed.

Experience

Senior Credit Analyst
March 2008 to CurrentRYERSON, INC － Norcross, Georgia

Manage a portfolio of over 800 accounts.
Maintain close working relationships with the respective General Sales Managers so that proper interpretation of the commercial objectives of the company can be translated into appropriate and effective credit policy.
Make credit decisions on behalf of the assigned branches in accordance with, and up to the level of authority granted by the corporate credit policies and procedures.
Evaluate the credit quality of high-exposure and/or high-risk customers using qualitative and quantitative research.
Analyze credit risk factors such as income growth, quality of management, market share and potential industry risks.
Employ a variety of risk assessment tools to compare items such as liquidity, profitability, credit history and cash with companies of same industry, size, and geographic location.
Work closely with third party collection agencies and/or outside attorneys to ensure maximum recoveries.
Ensure all Bad Debt write offs are properly documented to comply with corporate policies.
Properly document and perform all duties associated with bankrupt accounts.

Credit Analyst
October 2005 to June 2007UNISOURCE WORLDWIDE, INC － Norcross, Georgia

Managed Accounts Receivable exposure of very high maintenance accounts with A/R monthly average balances of over $8 million.
Was responsible for keeping past due balances to a minimum, maximizing DSO. Minimized Bad Debt write-offs by close follow-up and successful resolution of aging past due buckets.
Responsible for 30+ National accounts with sub accounts of over 2000 customers.
Prepared reports for management, utilizing Excel and Crystal reports, by supporting individual team goals to help reach metric requirements for department, while adding value to the organization's bottom line value "Make every customer profitable."
Maintained optimum receivable standards averaging 90% current balances, with most of the past due in the more current buckets.

Senior Credit Associate
October 2003 to October 2005HAGEMEYER, NORTH AMERICA － Alpharetta, GA

Trained Associates in the areas of company software and procedures
Managed accounts receivable portfolio consisting of over 500 high maintenance key accounts
Contacted customers with delinquent accounts and initiated appropriate collection activity to bring accounts to current status.
Controlled customers' credit lines, approved and released customers' orders.
Processed bad debt write-off, recoveries and accounts that were placed for third party collections.
Prepared monthly and weekly reports for management using Excel
Researched and resolved cash application issues
Determined validity of deductions in order to recommend issuance of credit.

Accounts Receivable Manager
April 1996 to August 2003AMERICAN MEGATRENDS, INC － Norcross, GA

Staffed, managed and motivated a team of 4 non-exempt employees. Set problem resolution goals for individual team member and monitored performance against these objectives. Prepared team member's performance appraisals, subject to CFO's approval.
Coordinated or provided training for direct reports. Organized/facilitated weekly staff meetings with reports. Conducted regular one-on-one meetings with direct reports to review progress and set objectives
Assisted team members with resolution of customer issues and more complex problems, including visits to customer locations as needed.
Summarized and analyzed reports, prepared with Excel and Oracle, and other statistical data for inclusion in the management reports.
Evaluated credit applications and established customer credit lines. Assisted with resolution of problem accounts. Responsible for 1st level approval for credits, adjustments, and refunds.
Developed and maintained solid working relationships with customers (leading to faster collection efforts). Reviewed, released and put customers on credit hold status.
Negotiated collection schedules with delinquent customers
Responsible for ensuring excellent customer service was delivered to all internal/external customers at all times. Saved in excess of $150,000 in charge-backs by reviewing customer purchase orders for freight terms, quantity variances and prices. Also analyzed charge-back issues, saving over $1 million in duplicated charge-backs
Collected $600 million of $700 million from OEM customer - Dell, Texas. Reduced accounts-receivable aging to below 1% in 90 days. Decreased bad debt to below 1/2 %.
Personally responsible for all AMI's OEM customers and for California State sales tax audit.
Communicated with international customers (e.g., Dell Ireland-Asia-Pacific, and IBM Ireland) relative to purchase orders, disputes and collections

Credit Analyst
January 1989 to February 1995SCIENTIFIC-ATLANTA － Lawrenceville, Georgia

Analyzed financials of potential and existing customers with decision making authority for establishing and allocating credit limits, terms and conditions.
Prepared monthly reports relative to loss accruals, receivable and cash flow.
Served as liaison between Sales and Customer Service to reconcile customer account disputes and ensure account retention
Was responsible for collecting all cash forecasted for the month.
Instrumental in achieving a 12% reduction in DSO, which resulted in a $500K investment savings.
Promoted twice within 5 years based on outstanding performance evaluations

Education

CBA : Accounting/Credit, 2007NATIONAL ASSOCIATION OF CREDIT MANAGEMENT － Norcross, GA, US

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT (NACM) - Atlanta, GA Credit Business Associate Certification (CBA)

Bachelor of Science : ManagementNEW YORK INSTITUTE OF TECHNOLOGY － New York, New York, USA

Certificate : Credit ands CollectionDUN & BRAD STREET － Norcross, GA, USA

Certificate : Credit and Financial Analysis 1 & llDUN & BRADSTREET － Norcross, GA, USA

Ceertificate : Supervisory SkillsDUN & BRADSTREET － Lawrenceville, GA, USA

Technical Certificate of Credit : Office Accounting Specialist, 2009GWINNETT TECHNICAL COLLEGE － Lawrenceville, GA, USA

Lawrenceville, GA

Technical Certificate of Credit : Computer Accounting Specialist, 2009GWINNETT TECHNICAL COLLEGE － Lawrenceville, GA, USA

Associate : Computerized Accounting, 2010GWINNETT TECHNICAL COLLEGE － Lawrenceville, GA, USA

Literature left to be taken to complete degree.

Affiliations

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT (NACM) - Atlanta, GA
NATIONAL ASSOCIATION OF FEMALE EXECUTIVES (NAFE)

Certifications

CBA (Certificate of Completion)

Skills

Credit/Collections, Cash adjustments
Customer Service
Excel, Infinium, Lotus Notes, MS Word, Outlook, Unify
Infinium, Lotus Notes, Microsoft Excel
Problem Resolution

Resume Overview

Companies Worked For:

RYERSON, INC
UNISOURCE WORLDWIDE, INC
HAGEMEYER, NORTH AMERICA
AMERICAN MEGATRENDS, INC
SCIENTIFIC-ATLANTA

School Attended

NATIONAL ASSOCIATION OF CREDIT MANAGEMENT
NEW YORK INSTITUTE OF TECHNOLOGY
DUN & BRAD STREET
DUN & BRADSTREET
GWINNETT TECHNICAL COLLEGE

Job Titles Held:

Senior Credit Analyst
Credit Analyst
Senior Credit Associate
Accounts Receivable Manager

Degrees

CBA : Accounting/Credit , 2007
Bachelor of Science : Management
Certificate : Credit ands Collection
Certificate : Credit and Financial Analysis 1 & ll
Ceertificate : Supervisory Skills
Technical Certificate of Credit : Office Accounting Specialist , 2009
Technical Certificate of Credit : Computer Accounting Specialist , 2009
Associate : Computerized Accounting , 2010

Senior Credit Analyst Resume Example

Resume Score: 90%

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