Customer Service Account Executive
Resume:
LINUS
VALENCIA
Canyon
Country, CA *****
Phone:
Email:
*************@***.***
SUMMARY
Experienced in analyzing credit data and financial statements to determine
the degree of risk involved in extending credit worthiness. Proven
leadership qualities by being a positive contributor to a team including
being a mentor to less experienced team members and embracing change.
Excellent communication skills both internally and externally and using
those communication skills to effectively solve problems. Over 15 years
experience in trade/finance and factoring industry
PROFESSIONAL
EXPERIENCE
CIT COMMERCIAL SERVICES, Los Angeles, CA (www.cit.com)
2006 to 2009
A bank holding company with more than $60 billion in managed assets that
provides financial products and advisory services to small and middle
market businesses.
Client Service Officer/Account Executive/Assistant Vice President
Managed a portfolio of 35 clients with emphasis in resolving credit,
collection, accounting and operation issues. Liaison between clients and
CIT operations for problem identification and resolution.
Client Service Officer
. Served as day to day operation focal point contact for clients on any
credit, collection, accounting and operation inquiries by providing
timely decisions and responses. In addition, making sure all credit
departments activities related to order flow (e.g. credit check and
hold orders) are accomplished accurately, within daily deadlines.
. Improved client and customer credit quality by ensuring that credit
and collection problems were identified and handled promptly to
minimize credit losses and maximize sales and profits.
. Provided excellent client and customer service to retain all clients
during the year.
Account Executive/ Assistant Vice President
. Presented to the credit line committee all required updated financial
statements, information and recommendation for lending clients on a
semi-annual basis by showing in detail the customers capital,
liabilities, asset compositions, sales and profit performance and
making a sound analysis on the clients' overall financial status. In
addition, ensured proper sign-off obtained in accordance with the
credit grading policy.
. Reviewed client's statistical information on a monthly basis by
monitoring client profitability., preparing proformas report and
taking action as necessary to avoid loss in revenue and maximize
profits.
. Submitted prospects to new business department and exceeded
requirements by $50 million in annual revenue for the department.
BANK SINOPAC, Los Angeles, CA (www.banksinopac.com.tw)
2004-2006
A commercial bank with banking services equally emphasized in corporate and
individual sectors.
Credit Manager
Managed a staff of 5 consisting of credit officers, collector, accounting
representative and assistant administrator.
. Played a key role within the department in underwriting and clearing
unsecured credit exposures reaching a high eight figures.
. Monitored financial performance on marginal customers' credits in
support of ongoing risk by ensuring all updated financial data were
reviewed on a quarterly basis.
. Worked closely with collector(s) to provide guidance on collection
issues within the assigned customer portfolio.
. Facilitated timely resolution of discrepancy issues with customers and
clients by making sure all parties are agreeable with the final
decision.
. Assisted with the retention of existing clients' portfolio by
providing excellent client and customer service.
. Proactive in the development of new business by recognizing and
referring prospective new
clients.
. Responsible for other aspects of the branch's operation by effectively
cross-selling the bank's products.
HSBC BUSINESS CREDIT (USA) INC, Los Angeles, CA (www.hsbc.com)
1997-2004
Provides various banking and financial services worldwide.
Senior Credit Specialist/ Assistant Vice President
Managed and responsible for customer credit portfolio that generated an
annualized volume exceeding $240 million comprised of wholesale customers
including textile/apparel manufacturers and importers.
Reviewed customer orders for credit worthiness and appropriateness of order
terms to facilitate release of credit holds.
Analyzed credit reports, trade and financial information to set credit
limits and establish open account terms of sale for new and existing
accounts.
Performed all aspects of account receivable and credit and collection
functions by promptly applying company policy.
Minimized exposure to bad debt through sound collection practices.
Advised management of current and open issues as soon as problem arose.
EDUCATION
B.S., Business
Administration
California State University
Los Angeles
SKILLS
Microsoft Word and
Excel
Lotus Notes
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