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Credit analysis/ A/R collections

Chicago, IL
January 29, 2019

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Rosie Montes

Permanent Address: **** West Wellington, Chicago, IL 60641

Cell: 872-***-**** Email:


Truman College, Chicago, IL

Associate, 1997

Major: Accounting


Stonepeak Ceramics, Chicago, IL

Credit Analyst 2014-2018

● Assessing creditworthiness of existing or prospective clients

● Examining financial transactions and credit history case by case

● Completing ratio, trend and cash flows analyses and creating projections

● Assess creditworthiness of existing or prospective clients

● Examine financial transactions and credit history case by case (applications, statements, balance sheets, legal documents etc)

● Complete ratio, trend and cash flows analyses and create projections

● Deliver a multidimensional perspective on the investment outlook in an accessible and informative manner

● Determine in depth the degree of risk involved

● Carefully analyse data and produce clear and objective reports

● Routinely monitor loans for compliance

● Adhere to credit policy and guidelines

● Monitor corporate portfolio asset quality on an ongoing basis

● Draft models of credit information that predict trends and patterns Cash America, Chicago, IL

Assistant Manager 2011-2013

● Managed the customer relations atmosphere leading by example—greeting and meeting each customer that enters the shop in a friendly and helpful manner

● Facilitated all training of CSRs so their development meets the prescribed Cash America standards

● Sources and recruits CSRs, ensuring that each individual employed is the best suited/qualified for the role

● Supervised the administrative process and procedures within the shop, which include inventory, PFIs, merchandising, shop presentation, shop systems, and FSC reporting

● Reviewed shop’s financial statements, communicating results to shop staff and setting goals for coworkers that will maximize shop profits

● Managed all operating standards were meet or exceeded the established Cash America minimums

● Responsible for value and integrity of all loans issued

● Evaluated shop coworkers’ performance, giving each individual consistent and fair feedback on their performance on both an ongoing basis and formally with an annual written appraisal

● Provided clear and concise communication to all shop coworkers, so that all coworkers understand the shop’s mission and profit objectives. Communications should take on the form of meetings, one on one, memos, and general bulletin board postings

Vacant Property Security, Chicago, IL

Credit Manager 2006-2010

● Established credit policy & procedures, assessment all customer credit contacts, conducted credit investigation, set credit limits, and collected funds due

● Collected old debt previously deemed uncollectible through customized payment programs, negotiated settlements, and conversions to installment notes

● Negotiated payments for large accounts received 90% of funds due within 90 days

● Collected $ 100,000 + in NSF checks over ten month period

● Resolved large multi-problem accounts, collecting $ 40,000 and saved customer from changing companies due to effective teamwork solutions

● Collected full payment of $150, 000 from financially troubled customers

● Created new computerized spreadsheet and tracking systems on past due accounts, reducing past dues from 31% to 14%

Alstlye Apparel/A & G Inc.,Chicago, IL

Credit Manager 1997-2006

● Wrote company’s credit terms, policies and procedures

● Used innovative techniques that legally collected funds due by proposing solutions, offering financing, and providing exceptional customer service

● Filed numerous bankruptcy claims to ensure some payment VOLUNTEER EXPERIENCE

Vice President,Hamlin Park Baseball Association 2005-2011 Volunteer,Ravenswood Elementary 2005-2009


Proficient in Microsoft Office: Word, Excel, PowerPoint AccPac, JD Edwards, Dunn & Bradstreet, Excel, in-house software, Cashlinx

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