JOHN OWENS, JR.
DHL Express USA Inc. 2010 – 2018
Credit Analyst 2012 – 2018
Process, analyze, recommend and within delegated authority, approve new and existing customer limits and terms. Above approval limit submit recommendation to management for approval. Maintain customer profiles in SAP and credit data base to reflect current customer limits and status. Process and analyze request for accounts suspensions or reinstatement from credit stop. Monitor and remove customer accounts regarding their credit limit status as it pertains to overage. Monitor, review customer accounts status; accounts required to be on credit card. Review and analyze request regarding customer account grouping issues. Ran daily and weekly reports. For my day to day job duties I worked in SAP, Talisma, Experian, Cortera, Anasonia, and Dunn & Bradstreet.
Revenue Assurance Analyst 2010 – 2012
Contact customers regarding their delinquent commercial account to secure payment and ensure account is within contractual terms. Record collection activity and update account information as needed in Credentials and the prior system SAP. Work with sales and other departments for resolution of disputes. Negotiate with customers if needed in securing their debt.
Reliant Energy 2001- 2009
Account Representative 2003- 2009
Analyze accounts to execute disconnection for non-payment transactions of active business/small commercial/mid-size and residential accounts to ensure compliance with company policy; determine parameters/risk to execute transactions to facilitate automated disconnect processes; run reports in SAP and BW to support the disconnect process and reconnect monitoring process in accordance with companies rules and procedures; analyze BW reports for reconnects to determine accounts failing to progress through to the TDSP; determine actions required on failed reconnect accounts to ensure timely reconnection of service; review accounts from the automated disconnect process to ensure accurate execution; apply the company’s collection policies, practices and procedures on customer accounts to ensure eligibility for disconnect; research and analyze delinquent accounts for reasons that systematic dunning is failing to affect collections; execute mass dunning block additions and removals; resolve Third Party Occupancy issues to reduce further risk; communicate with the TDSP to resolve failed or rejected orders to control risk of further loss.
Credit Representative 2001- 2003
Apply the company’s credit and collections policies, practices and procedures to the credit requirements of customer accounts; review files, reports, credit bureaus and financial statements of customers; extend credit to customers in accordance with established policy and terms; analyze customers financial situations and determine whether to extend credit; exercise immediate day to day responsibility for credit decisions over personnel indirectly assigned to designated accounts; carry out the established program for follow up and collection of accounts receivable; communicate requests to management that are outside the standard policies and procedures; investigate and resolve problems/complaints from customers regarding their account/s.
MG Capital Investment, Corporation 1997- 2001
Corporate Credit Manager/Branch Operations Supervisor 1998-2001
Analyzed Leasing paperwork sent from satellite Branch locations; evaluated individual credit and established an amount and terms for each transaction ensuring compliance with company policy; examined random closed leases once forwarded to Corporate Office to ensure in accordance with standard rules and procedures; critiqued/analyzed for completeness and accuracy by Branch Leasing Staff involved to improve credit standards/risk for future leases; fortified the operations of satellite locations; guided/instructed 12-15 employees; assessed Employee performance and conducted Branch Audits to develop and implement procedures and systems to control risk in relation to leases; performed Employees Reviews/Evaluations.
Lease Agent/Branch Manager 1997-1998
Handled sales calls and inquiries from customers; assessed each customers automobile with regards to value; verified all information on the applicants; presented applicants the program and assisted in closing paperwork; marketed to automotive/transmission shops and other businesses that could benefit by the company’s services; made sure operations of the branch ran effectively and were in compliance with company standards.
Oklahoma State University 1979-1984
Bachelor of Science in Business Administration
Major- Organizational Administration
Minors- Management and Marketing