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Click here or scroll down to respond to this candidateCandidate's Name
Street Address Madison Avenue #51Memphis, TN Street Address
PHONE NUMBER AVAILABLEEMAIL AVAILABLEPROFESSIONAL SUMMARYExperienced Credit Manager with extensive experience in credit, collections and accounts receivable. Skilled in problem solving, customer relations, process development and building cooperation between company departments.PROFESSIONAL EXPERIENCETricorBraun St. Louis, MO. May 2022 - presentSenior Credit AnalystReview new and existing accounts for terms and credit limits.Pull Dun & Bradstreet and Credit Safe reports as needed.Email trade and bank references for reviewRequest project details to ensure appropriate line of credit is requested for approval.Write off bad debt to appropriate GL/Branch.Participate in 10 day demand reviewsAssist collection reps as needed in reviewing accounts for credit line increases.Complete account set up once sales has entered on their side and the account comes over to the credit side.Approval authority up to $30,000 on new and existing accounts.Work with sales determining actual monthly needs of the customers and guiding them on what information, if applicable, we need for further review.Release Flexible Packaging projects thru the portal and work with Sales for accounts that are past due therein holding up the project being released.Approve Mold Evaluation Forms for mold projects ensuring the customer is within their credit limit/terms.Participate in Special Projects as needed.Help mentor and coach collection reps.PYRAMID INTERIORS Memphis, TN October 2019 Sept 2020Credit ManagerThis company was sold and accounting moved to new company corporate office.Handled the collections for 5 branches.Reviewed contracts for sales on specific projects and recommended approval or amendments as needed.Processed credit applications and assigned terms and lines of credit.Reviewed orders on hold for release.Assisted in resolving customer disputes.Placed accounts on collection and worked closely with the attorney/agency to facilitate payments or agreed upon settlements.Worked with Blue Volt Factoring to ensure invoices were sent to customers and assisted in resolving disputes between customers and Blue Volt.FLINT HYDRAULICS INC. Memphis, TN May 2014 September 2019September 2020 May 2022Accounts Receivable Analyst Responsible for the daily audit of invoices, preparing checks for deposit and posting payments to accounts, making collection calls and comments on each account, assist Inside Sales and Shipping as need; and assisting with incoming calls as needed.Perform audit on daily sales/invoices by matching the freight bills and credit card transactions for each invoice. Send copy of the invoice(s) to the customer by mail, fax or email.Run daily bank reports to ensure all forms of payments posted the prior day match to the bank, reviewed for accuracy and make adjustments as required/needed.Prepare checks for scanning to the bank and posting payments to the appropriate account.Follow up on any short pay balances or duplicate payments.Prepare check refunds upon request by customers.Post all incoming Wires and ACH payments.Run credit cards manually as needed.Make collection calls on past due accounts and post comments.Review accounts for changes in credit limits or terms, place accounts on hold as needed.Send out monthly statements.Create RMAs (Return Material Authorization) for all Core returns and process for credit upon receipt of material.Create Debits and Credits to accounts as needed.Assist inside sales and shipping as needed pertaining to short pays, material not received or credit card issues.Update Excel spreadsheets weekly pertaining to daily UPS payments, Credit Card transactions, Check Refund request and UPS COD shipments.Provide information regarding errors made by shipping/inventory/sales on the Sales Audit Worksheet.Scan all Tax Exempt Certificates and attach to the appropriate accounts, save to the Tax Folder for each State.Validate orders for accounts that might be over their credit limit, by reviewing with the Sales Manager/President of the Company.Assist in answering incoming calls as needed.RADIANS, INC. Memphis, TN Jan 2013 April 2014Credit Manager Responsible for the day to day collections of assigned portfolio consisting of National Accounts (Grainger, Orgill, Orr, Stanley Black and Decker) and credit risk analysis of new and existing accounts.Called on assigned portfolio of accountsReviewed orders on hold and determined if approved for releaseHandled the Latin America accounts and worked closely with sales and inside rep on collectionissues and lines of credit.Pulled Experian reports on new and existing customers and assigned terms and credit limitsWorked with inside sales and customer service to resolve customer disputesAssisted in month end close (billing invoices)Identified misapplied payments and make corrections as requiredReviewed accounts for payment plans and followed up to ensure schedules keptHandled all bankruptcy claims and collectionsTHOMAS AND BETTS CORP Memphis, TN April 2009 Apr 2012Credit, Collection and Claims Rep Responsible for the day to day collections and claims/deductions of an assigned Electrical portfolio consisting of large National accounts (Rexel and Gexpro/General Electric), new account set up, credit review of existing accounts, and providing assistance to theCustomer Service Group and Canadian DivisionManaged collection strategy que by reviewing targeted accounts on specific days for collection notices or discount reminders via email; fax or phone follow up.Reviewed unidentified claims/deductions and obtained copies of the charge backor debit memos.Identified claims/deductions and researched for resolution by processing approvedcredits or sending the customer a disallow letter advising payment due with appropriate back up to substantiate request.Reviewed customer accounts annual for credit risk scoring and determiningappropriate line of credit.Processed billing only invoices and any approved credits; matching and clearing in system as needed.Performed credit review on new accounts and assign lines of credit based onDun and Bradstreet reports or other credit inquiries and ensure appropriate terms were noted in system.Worked closely with customer service reps, agents and other divisions in resolving customer issues or new account set up.Reviewed orders on hold and released upon obtaining payment informationif required.Assisted cash applications with identifying cash payments with no remittance attached.Obtained proof of delivery and provided copies of invoices as requested.Followed up on returns to our warehouses to ensure material received in and credit processed timely.Participated in special team assigned to research various credit reporting services and provide details on cost and level of service provided.Provided weekly update on any accounts remaining on hold and status of each.Assisted peers in credit review process and problem solving.THE BOSTON GLOBE, Dorchester Nov 2008 Jan 2009Temporary Contract Position collected past due balances for large volume accounts;wrote up credit card payments for processing and worked with sales in resolving pricingand/or contract disputes.GRANITE CITY ELECTRIC SUPPLY COMPANY, Quincy, MA Nov 2007 Oct 2008Credit ManagerManaged a staff of two collection specialists and one cash applications clerk in the day-to-day credit and collection activities. Co-managed two additional staff members in processing credit applications, setting up accounts and account reconciliations.Reviewed all credit applications and assigned credit limits.Handled all legal accounts including liens and bonds.Arranged and approved all settlements and payment arrangements.Determined when accounts were placed on collection and worked closely with agencies and attorneys to maximize payment returns.Filed all bankruptcy claims and 1099 tax forms for accounts taken to bad debt.Calculated DSO and provided monthly metric updates.Worked closely with sales and collection specialist on large volume customers.Identified, developed and implemented new processes to ensure efficient workflowWorked with credit staff to set goals and objectives. Provided monthly mentoring and coaching.Member of NACM and attended monthly meetings; provided assistance to other members as requested.NESCO, Canton, MA Sep 2004 Nov 2007Credit ManagerManaged and supervised a staff of four collection specialists in the day-to-day credit and collection activities and one cash applications clerk.Reviewed credit applications, Dunn and Bradstreet reports and Experian reports to determine credit worthiness of new and existing customers and assign appropriate lines of credit.Determined accounts to be placed on collection and handled all legal accounts, including bankruptcy, lien and bond claims.Arranged and approved all settlements and payment plans for past due balances.Determined accounts to be placed on collection with attorneys and agencies and handled all legal accounts including bankruptcies, lien and bond claims.Calculated DSO and provided Executive Team with monthly AR reports and commentary on specific accounts impacting overall AR aging buckets.Worked closely with Sales toward dispute resolution.Traveled with sales representatives on client visits.Provided leadership for the Continuous Associate and Process Improvement initiative through NESCO University in conjunction with Bluevolt.Restructured Credit Application and Terms and Conditions and provided training on new changes.Identified and implemented process for obtaining Notice of Commencements and Building Permits for National Projects.Developed and implemented Return Goods Authorization process and held training with inside and outside sales, the Central Distribution Center and all branch locations.Achieved 2006 annual company DSO and over 90 day percentage goals.Created monthly cash receipt goals and achieved those goals 8 of 12 months.Generated cash receipts enabling the company to pay down borrowing base and invest monies.Supported sales and marketing during open house days at branch locations each year by attending and helping serve lunch to our customer base.Assisted in transition of acquisitions and participated in orientation of new staff.Supervised staff of 5 direct reports.Pulled D & B reports as needed; active member of NACM.WEST COAST DISTRIBUTING, INC., Malden, MA July 2003 May 2004Accounts Receivable Manager(Company reduced staff)Managed and supervised a staff of five in all aspects of the credit, collections and invoicing of receivables.Analyzed the credit worthiness of new and existing customers and assigned credit limits accordingly.Reviewed aging reports on a monthly basis with each collection representative and provided suggestions and guidance on problems for final resolution.Ran aging reports bi-weekly to identify payment trends and cash flow projection.Developed reserve report and calculated bad debt reserve.Reviewed top 20 accounts weekly to ensure timely payments.Distributed month-end open order report to sales managers for review.Oversaw cash applications and daily manual deposits.Researched disputes on damaged goods for filing bond claims.Handled all legal issues.Developed job descriptions and specific areas of responsibility for entire staff.SHAUGHNESSY CRANE SERVICE / NES RENTALS, South Boston, MA Oct 1998 July 2003Credit ManagerManaged and supervised a staff of six in the daily operations of the credit department.Reviewed aging reports on a monthly basis with each collection representative.Processed, reviewed and approved lines of credit for new and existing accounts.Worked closely with Sales in building relations with customers and department.Prepared and calculated bad debt reserve.Provided weekly analysis of cash receipts and sales for regional flash report.Forecasted quarterly cash receipts and over 90-day percentages.Filed all bankruptcy claims and handled all legal accounts. Attended court as needed.Made all final demands for payment and approved any settlements or pay plans.Solicited assistance and reviewed top accounts with senior managers.Provided assistance and training to staff in resolving customer disputes.Chosen to be part of a customer service/collection process team for Western Region.Chosen to develop, implement and correlate cash incentive goals for Eastern Region.Revised credit application to be adapted across regions.Pulled and reviewed D&B reports as needed.ROBERT HALF INTERNATIONAL, Boston, MA May 1997 - June 1998Collections ManagerResponsible for co-managing the collection department and directly supervising one group of seven collection representatives.Reviewed and analyzed the aging reports for specific office locations and provided assistance in building relationships with the sales force in each office.Handled follow up with attorneys and collection agencies regarding the status of legal accounts and providing guidelines for settlements.Prepared monthly report on percentages from aging reports for each District Manager.Reviewed and escalated payment resolutions.Targeted problem accounts and interfaced with Office Managers for resolution.Established goals and action plans for achieving desired results.BROWNING FERRIS INDUSTRIES, Brighton, MA April 1995 - May 1997Credit Manager(Company moved to new location)Managed and supervised a staff of four in the day-to-day collection of receivables.Analyzed the aging reports and monitored the daily cash receipts.Determined monthly cash receipt goals and developed processes for identifying past due accounts for timelier follow-up of payment.Approved all lines of credit and payment plans.Handled top 20 accounts.Prepared bi-weekly and monthly reports on cash receipts.Responsible for all legal accounts.Coordinated and approved all lost business with the District Sales Manager.Revised a series of collection letter targeted for specific aging buckets.Chosen to serve on two Break Thru Teams.One for formulating and implementing a specific plan to reduce Controllable losses.The second for implementing and establishing guidelines for large Container deliveries to help reduce risk in damages to property.COMPUTER SKILLSWorking knowledge of Microsoft Excel, Microsoft WordEDUCATIONMemphis State University, Memphis, TNMILITARYUnited States Army, Fort Hood, TX, Honorable DischargeAir Traffic Controller |
