ALBERTO GONZALEZ

Cell# 786-***-****

Email: acvjtk@r.postjobfree.com

WORK HISTORY

**/** ** ******* ************ (Division of L’Oreal) St. Petersburg, FL

CORPORATE CREDIT-ACCOUNT RECEIVABLE MANAGER

* Maintain and help enforce company credit and collections policies and procedures.

* Review credit information for new and existing customers to make credit determinations on new credit lines and increasing existing lines when needed while mitigating negative exposure using multiple tools to include commercial and/or personal credit reports, review of company financials to determine relevant ratios, strong internet searches as well as thorough review of history on existing customer accounts.

* Manage credit bureau reporting and dispute process for delinquent accounts as needed.

* Responsible for managing all Credit/Collections and Cash Department staff consisting of a large team.

* Monitor phone system for our national call center to ensure proper handling of customer calls in our Credit/ A/R department.

Help to drive sales through our salesforce & stores while also driving collection initiatives targeted at reducing loss, expense and risk exposure with early collections.

* Serve as process manager as well as liaison to other departments to include Customer Service, Billing, Sales (inside & outside), Ecommerce and Store Division to assist our customers in setting up new accounts, reviewing existing accounts for credit line increases or decreases when necessary to mitigate exposure, help resolve customer questions/disputes for best results.

* Responsible for assisting our AVP of Credit & Controls with all Cash Team functions at our national trade/educational shows.

* Responsible for preparing, reviewing and analyzing cash projections forecast as well as DSO and A/R reports/stats to manage customer portfolios worth millions in order to meet and exceed company objectives for DSO and bad debt.

Responsible for assisting with bad debt reserves which I submit and review with our AVP of Credit & Controls annually.

Responsible for working with internal auditors to assure company as well as SOX compliance.

* Work closely with our AVP of Credit & Controls on our collections/A/R to provide an up-to-date status report monthly to include problem accounts.

* Responsible for negotiating reasonable payment plans with delinquent customers.

* Responsible for monitoring/managing all Cash Department functions with our Cash Team Lead to include timely posting of lockboxes, deposits, ACH transaction files, credit card transactions/disputes/programs, incoming/outgoing wire transfers and bank reconciliations.

* Responsible for maintaining list of credit risk customers as well as delinquent collection accounts which I transfer out as a very last resort to outside collection agency or attorney that I communicate with regularly and also receive/review monthly status reports from agency.

* Responsible for hiring, training and supervising team within department whose responsibilities include balancing daily sales registers, cash applications, collections, credit analysis and customer service to ensure company work performance standards.

* Responsible for maintaining team job results by counseling, planning, monitoring, disciplining when necessary, and appraising results.

* Use effective metrics to monitor key performance factors for team members.

* Maintain professional and technical knowledge by attending educational workshops, reviewing professional articles and participating in professional training courses.

10/05 to 11/13 Silmar Electronics, Inc. Doral, FL

CORPORATE CREDIT-ACCOUNTS RECEIVABLE MANAGER

* Established, maintain and update company credit and collections policies and procedures.

* Review credit information for new and existing customers to make credit determinations on new credit lines and increasing existing lines when needed while mitigating negative exposure using multiple tools to include commercial and/or personal credit reports, review of company financials to determine relevant ratios, strong internet searches as well as thorough review of history on existing customer accounts.

* Manage credit bureau reporting and dispute process for delinquent accounts as needed.

* Responsible for preparing and analyzing credit rating reports.

* Responsible for maintaining and updating credit files for both domestic and International customers (Latin America, Caribbean, etc.) and monitoring country risk.

* Responsible for working with insurance co. to insure higher risk receivables when needed.

* Responsible for working with Commercial & Standby Letters of Credit as well as with financial institutions for loans to our customers when needed to obtain large volumes of equipment for new projects.

* Responsible for setting up UCC filings on our customer’s financial assets for security when necessary.

Help to drive collection initiatives targeted at reducing loss, expense and reduce risk exposure with early collections.

* Serve as a liaison to customer service, sales force and marketing departments and assist our customers to set up new accounts, review existing accounts for credit line increases or decreases when necessary to mitigate exposure, review payment terms for increase or decrease when necessary, resolve customer disputes, assist with payments, credits, adjustments, chargebacks and account balances as well as monitor gross profit margins on new sales to help drive revenue.

* Maintain strong positive relationships and communication with domestic/ international resellers and commercial end users by phone, email, instant messenger, site meetings or any other means necessary to effectively collect on past due receivables or delinquent balances and establish repayment schedules when necessary while keeping collection information confidential.

* Responsible for preparing, reviewing and analyzing A/R aging reports in order to manage customer portfolio worth millions for our domestic and international customers to meet and exceed company objectives for DSO, cashflow, and bad debt.

Responsible for determining bad debt reserves which I submit and review with our V.P. of Finance.

Responsible for managing the OTC (order to cash) process to ensure accurate timely billing of orders and collections.

* Responsible for preparing and submitting financial reports to Vice President of the company.

* Responsible for setting up special job accounts when needed for our customers that require interpreting contracts & extensive knowledge in Construction or Mechanic’s Lien Law for several states such as Florida, South Carolina, North Carolina, and Georgia to file Notice to Owners, work with bonding/bonds and liens as necessary when payments have not been received on balances due.

* Work closely with VP of Finance on our collections to provide an up-to-date status report monthly to include problem accounts.

* Responsible for processing credit card payments using machine terminals or software and working closely with credit card companies on dispute or chargeback issues.

* Responsible for maintaining list of credit risk customers as well as delinquent accounts which I transfer out as a very last resort to outside collection agencies or attorneys which I communicate with regularly to inquire on payment resolution.

* Responsible for processing end of month closing for A/R.

* Responsible for analyzing and reserving bad debt allowance as well as determining losses and bad debt write-offs.

Developed and monitor key performance indicators (KPIs) to manage risk properly as well as control/ reduce past due receivables and bad debt write-offs.

* Responsible for preparing cash forecast report monthly.

* Responsible for hiring, training and supervising team within department whose responsibilities include balancing daily sales registers, cash applications, collections, credit analysis and customer service to ensure company work performance standards.

* Responsible for maintaining team job results by counseling, planning, monitoring, disciplining when necessary, and appraising results.

* Use effective metrics to monitor key performance factors for team members.

* Maintain professional and technical knowledge by attending educational workshops, reviewing professional articles and participating in professional groups.

* Designated trainer for new company FACTS and Relationship Management systems and was responsible for assistance with testing new system Accounting modules after replacing SAP.

* Negotiate annual contracts for software programs used to aid in credit decisions.

EDUCATION, TRAINING AND CERTIFICATIONS

2015 SalonCentric

Certified Training- Supervisory/Management

Training- Customer Service & Team Building

2010 Silmar Electronics, Inc.

Certified- Collection Law

Certified- Florida Construction Lien Law

Certified- South Carolina Mechanic’s Lien Law

Trained by Dunn & Bradstreet for Updated DNBI Program

Certified- N.A.C.M. (National Association of Credit Management)

2001 USA Floral, Inc.

Certified- Dunn & Bradstreet Credit Analysis

Certified- Excel, Word, and PowerPoint

1997 United States Air Force

Bachelors of Science- Accounting

TECHNOLOGY

SAP, SalesForce.com, E-Oscar (Metro II format), Cisco, Advanced Excel, Microsoft Word, Powerpoint, ACCPAC, MS Outlook, CRM, Internet, Great Plains, MS Office, Oracle, MAS 90, Macola, Pivotal, AS/400, Termite, Peach Tree, JD Edwards (Windows Based) and FACTS.

LANGUAGES: Bilingual- Fluent in English and Spanish

PROFESSIONAL REFERENCES: Available upon request.

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