Credit Analyst, Account Analyst

Demetria C. Ramirez

Barangay Gimalas, Balayan, Batangas 4213 CP# +639********* **************@*****.***

PROFILE

Credit analyst professional with more than ten years of experience in Finance- Treasury Department.

Sound knowledge of credit systems, financial collections, billing, reporting and other related finance-treasury -based system operations.

Possesses ability to apply business insight and professional judgment.

Capable to adjust and innovate new tasks and is capable of dealing with customers, employees and staff members at all levels.

OBJECTIVE

Seeking a challenging and responsible position where abilities, education, and experience will have valuable application. Position should provide an opportunity to continue growth and advancement.

EXPERIENCE

Integrated Micro-electronics Inc., Biñan, Laguna, Philippines August 2010 – Present

CREDIT ANALYST

Effectively assessed credit risk and client (current and potential) viability, analyzing financial statements and cash flow of customers.

Performed (quantitative and qualitative) analysis of requests for terms and lines of credit.

Provided customer service support and professional financial guidance.

Prepared written credit-approvals and denials.

Maintains credit set-up and performs changes upon evaluation on a daily basis.

Prepares the monthly report.

Integrated Micro-electronics Inc., Biñan, Laguna, Philippines April 2008 – July 2010

ACCOUNT ANALYST

Reviews and analyzes customer accounts for accuracy with excel worksheets and deliver reports on various criteria.

Monitors all transactions, reconciles discrepancies and coordinates with business units for necessary corrections.

Prepares statement of account, communicates with customers thru emails and via phone, receives and applies payment in an accurate and timely manner.

Performs other related duties including monthly reports and adjustments for bank and account reconciliations.

Integrated Micro-electronics Inc., Biñan, Laguna, Philippines March 2006 - April 2008

CASHIER

Process payments made with cash and checks. Maintain correct cash balances.

Accurately & efficiently performs cash disbursement.

Answer & resolve customer’s questions and complaints regarding ATM card transactions and provide information on procedures or policies.

Integrated Micro-electronics Inc., Biñan, Laguna, Philippines May 2005 – Feb 2006

BILLING CLERK

Issue invoices to customers and send it thru email or courier.

Update customer files with issued invoices and master file with contact information.

Track exceptions between the shipping log and invoice register

ADDITIONAL PERFORMANCES

Fostered productive relationships with both internal and external clients.

Maintained effective liaisons with in-company department members: account managers and product specialists.

Initiated changes in credit policies, ensured policies and procedures accorded with department’s standards.

Undertaking analysis to resolve collection issues by effective and efficient communication with all channels involved; including clients, business units and the finance and accounting department to keep credit exposures within set bearing limit.

Works collaboratively with insurance brokers and internal business partners for company’s insurance renewal applications and facilitates potential claims.

EDUCATION

Bachelor of Science in Accountancy, 1997

Immaculate Conception College, Balayan, Batangas 4213

SKILLS

Microsoft Office, SAP system

PERSONAL INFORMATION

Born on November 10, 1976, 39 years old, Catholic, married, flexible, trustworthy and has the ability to work effectively under pressure.

REFERENCES

Available upon request.

Contact this candidate