Customer Service Manager
Resume:
Terena Meador
POB **** . Ridgelland, SC ***** . *********@*****.*** . Cell
Objective Finance Specialist with over 15 years experience with
strong analytical skills in budgeting, forecasting,
expense analysis and identifying and implementing
process improvement. I am a very people oriented
person and have high expectations of working for a
prestigious and well-established organization. I
enjoy challenges and consider myself a quick
efficient apprentice with aggression and diligence.
With my extensive knowledge of finance and
bookkeeping, I understand the importance of 'gross
profit margin' and 'risk vs. return ratio' in any
business. I have experience in customer service,
sales and collections with a proven performance
history of reducing DSO days and increasing sales in
a diminutive period of time. I have the ability to
resolve issues quickly without supervision.
Relocation is an option for the right position.
Computer knowledge of many accounting, word, and
marketing programs including oscommerce web sites.
August 2009 - Present Http://www.Bikertogs.Com
Owner - Sole Proprietorship
Duties include managing the vendor base, writing
effective contracts, data entry, tracking projects,
accounting and marketing, including social networking
and advertising strategies. In this business a person
constantly develops new resources and skills.
Bikertogs.com is weekly updated with new articles,
pictures, products, and specials by using HTML codes
that will enhance the images and the text.
Bikertogs.com is also a distributor/broker for Wild
Hare Foods. We have successfully grown our customer
base in over thirty-five states this year.
Professional August 2007-February 2009 CNAC Finance/JD Byrider
experience Finance Manager
Duties included evaluating and supervising CNAC
office activities, achieving all delinquency goals,
charge-off goals and collection goals. Within the
first ninety days, I reduced the DSO days and charge
off substantially. Each application was taken by the
salesperson and brought to CNAC with all
documentation (driver's license, utility bill and
proof of income). My job as an underwriter/manager
was to interview each applicant and complete a budget
with them to assure the affordability. The next step
would be to process their application through our ARE
Software. This program classed each individual as
highest, higher, standard, lower and lowest risk.
Understanding that we were in the sub prime high risk
financing, careful assessment of each individual had
to be taken. Some lowest risk deals were not
acceptable and some higher risk deals may have been
approved for inaccurate information on their credit
report. I insured that every deal structure adhered
to CNAC standards. Verified and evaluated each loan
applicant, rendered a lending decision and issued a
condition statement with proper risk vs. return
ratio.
Closed loans, evaluated problem accounts and prepared
an action plan to bring delinquent accounts current.
Created loan files for each account, monitoring for
completeness, correctness and compliance with my
lending decision. Made deposits, reconciled cash,
prepared spreadsheets for bank, completed borrowing
base paperwork, and made decisions on repossessing
vehicles, filing judgments, customer service, etc.
March 2002-July 2007 Builders First Source
Ridgeland, SC 29936
Credit Manager
Duties included collections of a portfolio ranging
from 1.5 million to 3.5 million monthly with an
average of four hundred active accounts. Supervised
three locations, making all credit line, collection
and legal decisions. Credit decisions were based on a
consumer credit report, Dunn & Bradstreet report,
financial statements and business references. Credit
line would be then determined on the financial needs
of the corporation or contractor and their source of
income for completion of the project. Some accounts
we would require their financial plan for the project
(dates of completion for each stage). In addition to
approving accounts, it was necessary to make sure all
credits were given to customers in a timely manner,
update credit files with financials to support their
individual credit lines on a yearly basis, filing
liens and judgments when necessary, supervising
others, meeting with customers to resolve any issues
on their account, picking up checks from customers
and delivering invoices and statements.
January 1996-March 2002 Tee's Bookkeeping Svc.
Palatka, FL
Bookkeeper
Duties included managing small business accounts,
personal and sole proprietorship tax returns,
quarterly taxes, bank statement reconciliation,
business letters, lease agreements, typing legal
documents, etc. Reason for leaving: Relocated to
South Carolina and maintained business.
February 1990-January 1996 Cook Construction
Conway, SC
Bookkeeper
Duties included compiling and maintaining on Lotus
123 spreadsheet,(upgraded to Microsoft Word, Access
and Excel).Accounts payable, accounts receivable,
trial balances, payroll, quarterly taxes, year-end
taxes, overseeing trust accounts, bank statement
reconciliation, job costing, etc. All accounts were
set up on Peachtree Accounting program and supported
via Lotus 123 (Excel). This company had sixteen
different subsidiaries in which transfers were made
into Peachtree from other software packages.
(Yardee-real estate program, AMS-Insurance program).
Reason for leaving: Relocated to Florida.
References
Bobby Goshorn, General Manager-Builders First
Source #843-***-****
Donnie Thomas, Retired Credit Manager-BFS
Dennis Duren, Administrative, Cambridge Bldg.
Bill Jones, Owner, Bill Jones Reality
Bob Murphree, M & M Promotions
.
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