JEFF RUBEN

**** ********* ** #*

Houston, TX ****7

832-***-****

ad0pua@r.postjobfree.com

OVERVIEW

An initiative-taking Credit, A/R, and Collections professional with a verifiable record of accomplishment spanning nineteen years. Highly creative, recognized as a results-oriented and solution-focused individual. Areas of strength include:

•Accounts Receivable

•Challenged Accounts

•Billing Dispute Resolution

•Note Negotiations

•Credit Analysis

•Communication Skills

•Organizational Skills

•Time Management Skills

•Team Player

•Computer Literacy

EDUCATION

•Bachelor of Arts Degree: History

•Cal State University Long Beach - Long Beach, CA

•Associate of Arts Degree: Business Accounting

•San Diego Mesa College – San Diego CA

COMPUTER SKILLS

•Microsoft Word, Microsoft Excel, Microsoft Power Point

•SAP, JDE, MFG PRO

PROFESSIONAL EXPERIENCE

Sr. Credit & Collections Analyst 11/2019 – 10/2023

Becton Dickinson – San Antonio TX

Responsible for the resolution of all Credit, Collections and AR related matters within

an assigned portfolio.

Monitoring and Maintenance of AR balances, with an emphasis on the reduction of the DSO

as well as minimizing bad debt reserves,

Analyzing financial statements, credit references, and third-party credit reports to assess credit worthiness and recommending appropriate credit limits for new and existing customers.

To review suspended/blocked orders for marginal/elevated risk accounts that require credit evaluations.

Responsible for continuous improvement activities by developing and implementing efficiencies within the department that will add value to the processes.

Interact with external customers, business controllers, distributor relations, sales force, customer service and related transactional groups to accomplish the tasks.

Sr. Credit & Collections Analyst 9/2018 – 9/2019

Forum Energy Technologies – Houston TX

Responsible for portfolio management of more than $25 mil of receivables across multiple business units, directly tasked with maintaining all facets of the collections process with regards to minimizing bad debt reserve.

Oversees all aspects of the credit review process, pertaining to credit line increases, order hold releases, annual credit reviews and the establishment of new customer lines on credit.

Directly responsible for ensuring all portal customer billings are submitted timely and correctly, maintenance and resolution of all rejections as well as direct entry of submissions when required.

Maintains all AR functions to ensure account integrity and accuracy takes place daily, addressing credit / debit memos, credit re-billings, tax and freight adjustments as well as identifying bad debt for timely adjustments.

Follow up to ensure that all customers’ primary file integrity is maintained, with regards to bill too / ship too, tax certificates as well as certificates of insure and master service agreements are in order.

Credit & Collections Analyst 8/2016 – 8/2018

Cook Compression – Houston TX

Personally responsible for the investigation and analysis of credit risk while working within guidelines determined by company objectives for credit worthiness on new and existing customers’ accounts.

Resolution of complex credit issues, making decisions regarding the release of held orders / credit extensions. Reviewing of credit reports, financial statements, and historical account data to determine lines of credit.

Responsible for the management / maintenance of an AR portfolio more than $10 mil in receivables across multiple business units, addressing of challenged accounts / collections efforts of all past due AR balances within the portfolio.

Tasked with minimizing bad debt exposure with an emphasis towards increased cash flow to attain company objectives.

Collection of past due balances across all business units based upon terms agreement, addressing billing issues, primary file maintenance that would attribute to the collections issue.

Oversite of Portal Billing customer base to ensure the accuracy of submissions, resolution of disputes to insure timely remittance.

Responsible for meeting all company matrix goals for DSO, Bad Debt, and SOX

AR Supervisor 3/2014 – 7/2016

Tervita LLC / REPUBLIC SERVICES – Houston TX

Reporting to the Credit Manager of Credit & Collections as AR Supervisor, personally responsible for coordinating and overseeing the day-to-day collection efforts for six AR Specialist with total AR receivables more than $50 million, while monitoring and striving to maintain A/R balances of +90 days to under 5% and 60-90 days to under 10%.

Tasked with monitoring and decreasing monthly DSO percentages to meet company matrix objectives.

Responsible for identifying and overseeing all challenged accounts / bad debt risk with full autonomy towards the initiation of escalation processes, i.e., notes, letter of credit and collection agency submission.

Ensures that all credit lines are reviewed with signoff approval for job / order releases-holds as well credit line increases and annual account reviews.

Additionally, responsible for the ongoing development and training of all AR Specialist as well the cash applications and customer primary file groups.

Sr. Credit & Collections Analyst

RR Donnelley - Warrenville IL 12/1999 – 3/2014

Conducts credit analysis including gathering, analyzing, and interpreting of all forms of credit data on existing customer accounts within assigned portfolio, containing receivables valued between

$16 - $25 million.

Makes recommendations/decisions regarding the extension on lines of credit.

Sets up new accounts and performs credit investigations, utilizing computerized scoring systems, as well as bank and trade reference to complete a thorough accurate financial analysis of accounts to ensure that appropriate credit line set forth.

Collects on past-due receivables and prioritization of collections activities bases upon A/R software and collection strategy.

Collects and investigates all disputes within assigned portfolio to ensure that appropriate resolution occurs

in a satisfactory timeframe to minimize the effect on DSO.

Additional areas of responsibility:

Receivables Management: Manage client exposure (including job and order approval/releases) to granted credit limits to maximize revenue and minimize risk.

Risk Analysis: Analyze financial statements and utilization of D&B reports to support credit line decisions.

Workouts: Experienced with Notes Receivable & Letters of Credit

REFERENCES

Promptly furnished upon request.

Contact this candidate