Terica Ray

Fullerton, CA *****

acggtl@r.postjobfree.com

909-***-****

Highlights of Qualifications:

. Managed Credit and Collection department with 12 employees

. Proficient at interpreting SEC and various financial reports

. Demonstrated analytical skills in assessing credit risk

. In depth credit experience: Experian, Dunn & Bradstreet & other report

agencies

. Expert in balancing sales objectives while controlling bad debit,

DSO, credit policies

. Skilled in developing credit programs that support sales goals and

credit objectives

. Knowledge of mechanical liens and laws associated with filing lawsuits

against debtors

. Proficient at building rapport with multimillion dollar accounts

. Human Resources Management

Professional Experience

Ossur Americas

9/2012 to 10/2014

Credit and Collection Specialist

. Reduced over 90 plus day aging by 35%

. Reduced 180 days and over by15 %

. Made 45 calls per day for collection efforts on past due customers

. Designed final notices for customers over 180 days past due

. Managed monthly attainment reports to adjust sales commissions

. Increased and reduced credit lines of customers by analyzing Experian

credit reports

. Processed bad debt monthly reports and recommended write-off

. Formulated excel reports for management from 3rd party collection

agencies

. Participated in Credit Manager Association meetings to determine

credit risk

. Built rapport and maintained relationships with 1500 past due

customers

Special Initiatives and Projects

. Employee Engagement Project (Human Resources Department)

Oso Home Health Care 2/2012

to 9/2012

Human Resources Coordinator

. Administered benefits and salary changes

. Prepared new hire verification

. Processed levies and garnishments

. Developed a plan during open enrollment by helping employees gain

knowledge of insurance policies and their deductions

. Handled all employee relation issues as well as disciplinary actions,such as harassment and violations of company policy

. Performed exits interviews

. Proficient with training new employees

. Prepared new hire power point presentations for orientation

. Manually processed payroll for 250+employees bi-weekly, for exempt and

non-exempt employees

. Managed Nova Time, time clock for 150 employees

. Managed and maintained Millennium (HRIS) system

Harwell Industries

4/2010 to 2/2012

Credit Manager

. Decreased credit approving turn-around time by 46%

. Reduced aging by 20% by restructuring the credit collection process

. Created letters of credit to meet the needs of our clients

. Implemented a credit approval policy which increased lines of credit

by 37%

. Employee Relations through ADP Human Resource program

. Managed staff of 12

Cramer Decker Medical

2/2008 to 4/2010

Credit & Accounts Receivable Manager

. Reduced over 90 day commercial collections receivables by 33% in 6

months

. Devised a credit application process that drove sales increase of 15%

. Implemented a plan with credit staff to increase collection calls by

50%

. Proficient in balancing month end, GL, account reconciliation

. Responsible for leading team to record breaking reduction of charge

back

A Step above Pest Control 1/2001 to 2/2008

Credit & Accounts Receivable Manager

. Prevented potential losses of $170,000 by uncovering credit fraud

associated with several new accounts

. Collection efforts resulted year over year increase of $22,000

. Maintained relationships with 200 clients

. Managed collection efforts for staff of 15 employees

. Created plan to uncover uncollectable accounts over 180 days past due

by devising a phone, letter and email campaign

. Reduced annual write offs for corporation by 30%

. Ensured compliance with federal and state regulations

. Accounts payable and general ledger reconciliation

Technological Skills

MS Office-Excel

MS Office-Word

QuickBooks- Accounting Software

Peachtree- Accounting Software

ADP- Payroll Software

Facts Accounting and Inventory Software

Professional Affiliation

Credit Managers Association

Education

Bachelor of Science in Business Administration

University of Redlands April 2014

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