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Lead Credit Assistant

Location:
Minneapolis, Minnesota, United States
Salary:
63,000.00
Posted:
September 23, 2018

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Resume:

JENNIFER ANATO-MENSAH

**** ********** ******* ****** *****

Blaine, MN 55449 952-***-**** ac65g0@r.postjobfree.com

Education:

University of Minnesota, Twin Cities Minneapolis, Minnesota

Bachelor of Arts in Communication Studies Graduation May 2010

French and Journalism Minor

Career Objectives:

Highly ambitious, detail-oriented, and experienced worker seeking full-time challenging senior level leadership role within the business to business credit accounts receivable function with opportunity to effectively utilize my strong credit analysis and excellent customer care background in the finance area. Desire to work for a reputable organization where I can continually learn and grow and significantly contribute toward the organization’s bottom line.

Skills:

Ability to conduct effective credit worthiness assessment of prospective company business partners to support credit decisions on loans and franchisee applications

Software Programs: Efficient in Microsoft Applications (Word, Xcel, PowerPoint etc.)

Proficient in use of GetPaid and Rental Man; greatly familiar with SAP and JD Edwards systems

Very effective problem solver; high ability to listen to and resolve difficult/escalated customer questions, inquiries, and issues in a timely manner

Negotiations: Strong interpersonal communications and effective relationship building

Independent and Collaborative Worker: Ability to work autonomously, efficiently, and effectively alone as well as cohesively on a team

Work Experience:

Lead Credit Analyst(Credit IV Assistant) Roseville, Minnesota

Ferguson Enterprises, Inc. August 2017 – Present

Evaluate and analyze credit worthiness to set up new credit accounts and establish new customers

Review credit information obtained, evaluate the credit risk, and approve or decline credit accounts

Help train, lead, and share on credit processes with other credit assistants and credit trainees

Review and manage credit limits daily, follow up on disputes in a timely manner, and work with the salespeople and customers to resolve escalated issues such as purchase order related items or pricing rate discrepancies

Pull new Dun & Bradstreet & National Association of Credit Management commercial credit reports to manage credit risk and assess credit worthiness of existing customers and prospective clients

Process credit applications and write analysis for portfolio of credit accounts to set up appropriate credit limits

Monitor monthly balances of customers, follow up closely on the course of aging accounts, and to review credit exposure to determine proper course of action to be initiated in order to recommend and establish credit limits

Per customer requests, I generate, send out, and e-mail month-end statements

Conduct or supervise credit investigations on existing and potential customers to extend or raise credit limit

Process and complete lien waiver requests and review accounts for lien filing to ensure company rights and assets are protected

Commit to provide exceptional customer care and to make recommendations for process improvements

Collect on delinquent accounts, resolve situations, and retain customers by problem-solving escalated issues or disputes

Credit Specialist Plymouth, Minnesota

Amplifon, USA May 2016 – August 2017

Assess credit risk and establish credit limits for new franchisees or members based on credit history obtained through credit reporting agencies

Act as a liaison and communicate frequently and clearly with the customer and business shared service center areas including billing, cash application, accounting, operations, legal, and IT; engage with external suppliers as necessary

Orchestrate and complete process improvements for amplifying/increasing the efficiencies of accounts receivable processes within our OPS and JD Edwards computer systems

Support the month end accounting close process, publish customer statements, validate and post finance charges, reclassify billing errors, and inform the reserve for doubtful accounts

Train Franchise Business Managers and existing or new franchise members on how our credit processes operate and on the various features and functionalities of the way our Online Payment System works including view statement and make payments etc.

Generate current account summary aging and total exposure reports detailing credit-risk on the business for Miracle Ear franchisee owners communicating the status to regional business managers and upper management

Effectively write, communicate, and enforce credit terms/policies and business practices with our franchise members following protocol regarding delinquent accounts as it relates to Cash with Order, getting orders on hold released, and issuing pre-payment discounts

Generate credit reports for processing credit applications and initiate approval process for credit review of new clients through DocuSign

Reconcile customer and billing statements, while resolving escalated franchisee disputes on pricing rate discrepancies directly with the manufacturer

Work in JD Edwards to monitor payments for cash application and review accounts on cash with order to determine eligibility for orders to be kept or released off credit hold

Make decisions and assess customer financial conditions to determine total exposure

and next appropriate steps for accounting activity or third party litigation

Run month-end reports to minimize bad debt risk write-offs and maximize accounts receivables for distressed accounts with substantial balances exceeding 60 days sales outstanding

Monitor payment plan arrangements through the payment plan tracker, while managing account status for shortfalls or overages

Credit Collections Specialist Vadnais Heights, Minnesota

H.B. Fuller (Contract) April 2015 – February 2016

Provided outstanding customer service by having resolved escalated customer

disputes with respect to complex purchase order #, pricing, & billing issues

Established and maintained strong rapport with internal and external clients to

accelerate the accounts receivable process

Monitored and worked portfolio of assigned accounts by notating pay arrangements

per telephone and electronic communications through negotiations with delinquent customers and following up on payment plan agreements

Reviewed list of pending orders on credit hold and enforced decisions whether to

hold or release product and/or services according to set company objectives

Trained in new incoming collections specialists on effective management of workflow

Implemented process improvement strategies to make credit processes run more efficiently for our customers and internal business procedures in SAP

Credit Representative to Sr. Credit Representative Plymouth, Minnesota

United Rentals, Inc. September 2012 – February 2015

Attacked and reduced oldest 60 90 120 DSO brackets by contacting customers and collecting past due balances on daily receivables for national account customers doing more than $1 million in business

Analyzed credit worthiness of existing and new prospective customers and worked with Cash Application to ensure payments were applied correctly

Maintained and provided weekly monthly reports to credit manager and executive team on medium to high risk accounts including updates for pay information on high balances as well as identified root causes of issues impeding the collections process

Developed more efficient processesand procedures to effectively evaluate customer financials, monitor credit holds, and analyze appropriate resolutions for extremely delinquent accounts

Enforced credit policies and served as team lead for junior collection staff in

training and resolving escalated customer issues/disputes

Verified credit references background for new prospective customers and helped to establish appropriate credit limits according to business credit rating scores

Teller North Minneapolis, Minnesota

Wells Fargo at Camden Branch September 2011 – September 2012

Processed variety of fundamental banking financial transactions including deposits, withdrawals, and International wire transfers

Collected and processed mortgage, utility, and credit card payments for customers

Disbursed funds to customer, while informing them of new financial banking

products and services

Assisted in the day-to-day operations and service delivery of cash shipment

Referred customers to bankers for opening of new checking and savings accounts



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