Claudia Maldonado

***** ******** ****. #***, ****** CA 91342 - Email: ace46d@r.postjobfree.com -

Cell: 818-***-****

CaesarStone USA (Contract)

Van Nuys, CA

**/**** ** **/**** Accounts

Receivable Specialist

. Review and evaluate customers information to ensure

merchants credit worthiness and establish and evaluate

credit lines for customers

. Review accounts and approve or hold customers orders

. Invoice sales orders daily

. Process and apply customers payments received by Check,

Credit Card, ACH and Wire

. Research and resolve payment discrepancies

. Process credit and re-bills, issue credit for RMA's,

Pricing discrepancies, Freight and Tax charges

. Responsible for the credit exposure of 193 accounts and

$2.1M in Accounts Receivable

. Daily collections via email and phone on past due and open

invoices to ensure payment is made on time and

within terms

. Implement reasonable payment plans for financially

distressed customers

. Assign past due accounts to collections agencies or submit

for bad debt write off

. Work with the sales representative and order fulfillment to

provide customer satisfaction

Intuit Payment Processing (Contract)

Woodland Hills, CA

09/2013 to 04/2014

Credit Analyst, Continuous Underwriting

. Review and analyze Experian Reports, Microbilt and Lexes

Nexus (Accurint)

. Assess all gathered information to ensure merchants credit

worthiness

. Authority to approve merchants AMV up to $200K, anything

over was submitted to management

. Prepared merchants risk assessment report and make

recommendation of AMV (Average Monthly Volume)

. Reviewed the Financial Risk Queue daily to allow processing

of red flagged accounts

. Built and maintained communication with merchants in an

effort to build a good working relationship

. Assisted with the IPN Approval and Migration project

. Assisted with the QBO Migration project

. Worked on numerous Ad-Hoc projects for management

. Process requests on trade references and review D&B and

Credit Reports

. Review and analyze financial statements and income

statements

. Perform customer risk assessment and make recommendation of

credit limits and payment terms in accordance with

corporate credit policy

. Process account set up and maintain customer account

profile

. Responsible for managing portfolio of assigned accounts,

investigating and assessing customer's financial

condition on a quarterly and yearly basis

. Maintain credit exposure and A/R Aging in order to reduce

credit risk

. Research and resolve invoice errors and customer disputes

. Responsible for reducing outstanding A/R balances for

assigned accounts

. Customer contact and provide customer service on

outstanding collection issues

. Provide customers with detailed account reconciliation

package

. Negotiate payment plans in order to resolve past due issues

. Work with collection agencies to ensure necessary action

is taken on default accounts

. Prepare weekly and monthly A/R reports including credit

risk, past due balances, high risk accounts, high dollar

exposure, bad debt and cash collection forecast

. Assist cash application in applying customer's payments

. Work proactively in resolving credit issues and conduct

collection of past due accounts to meet monthly, quarterly

and yearly collection targets

. Ensure credit portfolio of the company's customer base is

thoroughly managed

. Ensure proper credit lines are set per sales forecasts

. Responsible for risk analysis and credit lines for all US

and Canadian Accounts

. Ensure thorough and complete credit analysis is properly

performed with all pertinent credit information (credit

reports, bank and trade information) in order to provide

credit recommendation.

. Responsible for assessing the credit risk of new customers

by analyzing Financial Information, D&B Reports and

Trade information in order to determine the customer's

credit worthiness

. Prepare monthly credit reports for credit group's quarterly

meetings (Reimer and CMA Business Credit Services)

. Approve credit lines up to the established credit limit

authority

. Maintain credit files in current status by reviewing D&B

Reports, Reimer Reports, Trade References and Financial

Information

. Work with management to produce ad-hoc reports necessary

for analysis as required

. Manage the release of all orders that go on credit hold

. Manage the cash in advance process and inquiries from all

CIA Customers

. Process clearing adjustments for CIA accounts against their

payments

. Update weekly high credit report

. Responsible for accounts receivable and credit lines for

the Western, Eastern and Southern Regions,

. Authority to approve customers up to 250K line of credit

. Write off authority up to $3,000 (bad debt, discount and

freight)

. Monitor past due items and initiate timely collection

action in accordance with Credit Department policies and

procedure

. Implement reasonable payment plan for financially

distressed customers

. Negotiate securities to support credit line and maintain

updated UCC Securities

. Maintain credit files in current status by reviewing D&B

reports, Reimer Reports, Trade References and Financial

Information

. Review and analyze customer's balance sheet, cash flow

statements and profit and loss statement in order to

determine credit worthiness

. Review and manage orders on hold or over the credit limit

on a daily basis and approve in accordance with credit

policy

. Prepare cash projections for management on a monthly basis

. Assist in the preparation of ad-hoc reports and credit risk

analysis as required

. Represent the company in all credit and collection legal

matters by authorizing the referral of accounts to

collection agencies

. Oversaw the performance of all aspects of credit

administration for mass merchant accounts to ensure

maximization of revenue

. Monitor and direct the A/R collections activity for $400M

in Mass Merchant receivable - comprising an average of 45%

of divisions' video business.

. Monitor the timely and accurate application of cash

receipts for approximately $900M in receivables

. Expedite resolution of procedural issues with our vendor

partners

. Manage a multi-level staff, interview and hire, assign

work, appraise performance, recommend promotions and pay

increases

. Prepared extensive reconciliation packages in an effort to

negotiate a mutual benefit for both companies

. Monitored and directly managed the account reconciliations

for 11 Mass Merchant accounts (i.e. Target, Wal-Mart,

Kmart)

. Traveled regularly to major retailers nationwide to

negotiate settlement of accounts

. Assisted in the cash application process

. Responsible for accounts receivable and credit lines for

large retailers including (May D&F,

. Fred Meyer, Wal-Mart, Costco and Sam's)

. Analyzed credit applications, financial statements, and

D&B reports in order to set-up credit lines for up to $1M

. Monitor accounts, resolved discrepancies and generated

reconciliation package to facilitate collections of

disputes

. Traveled regularly to major retailers nationwide to

negotiate settlement of accounts

. Major: Business Management

. Minor: Accounting and Finance

MAS200, Oracle A/R, SAP, JDE Edwards, Microsoft Office,

QuickBase, Oasis, Experian, Microbilt, Lexus Nexus Accurint,

Bilingual Spanish, Strong Account Reconciliation and

Extensive Collection Skills, Ability to Multi-Task and meet

deadlines in order to meet monthly and yearly goals, Vice-

President of Reimer Reporting Mass Merchants 2000-2001

Work Experience

OCI Electronics Canoga Park,

CA

09/2009 to 09/2013 Credit

&Collections Analyst

THQ Inc. Agoura Hills, CA

07/2007 to 08/2008 Sr. Credit

Analyst

Warner Music Group Burbank,

CA

06/2001 to 07/2007 Credit

Analyst

20th Century Fox Home Entertainment Century

City, CA

02/1997 to 05/2001 Manager, Retail Credit

& Collections

Sanyo Fisher USA Corp. Chatsworth, CA

07/1988 to 02/1997 Credit &

Collections Analyst

Education

Pepperdine University

Malibu, CA

Bachelors of Science in Business Management

Skills

Skills

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