Senior Credit analyst

SONCERA MAX

Covington, TN ***** 901-***-**** ****.********@*****.***

Professional Summary

*Senior Credit/Collections Analyst *

** *****’ experience in B2B credit and collections including 2 yrs. as credit supervisor. Lean Six Sigma Yellow Belt certified, dedicated to continuous improvement & operational excellence. Highly skilled in Excel, such as pivot tables, VLOOKUP’s, & Macros. Passion for overcoming complex challenges with creative and effective solutions.

Core Qualifications

Advanced Excel

Non-trade journal entries

B2B credit analysis

Strategic planning

Invoice dispute resolution

Monthly Closing

DNBi

Collection Strategy

Training and Development

GL account reconciliation

Oracle, NetSuite, ERP systems & more

Process improvement

Experience

Senior Credit Analyst, 08/2022 - Current

Power & Telephone – Piperton, TN

B2B Credit Risk analysis for new customers & annual reviews,

Fraud detection & prevention,

Collections on $33M telecom portfolio

Reduced past due invoices from 7.6% to 2.7% focusing on over 30 days beyond terms in 3 months and maintained to date.

Collected 73%, validated credits for remaining 27% of open balances over 6 months beyond terms, saving $470K in bad debt write-offs.

Introduced CEI (Collection Effectiveness Index), secured buy-in from management to use as new KPI and instructed team on how to calculate it.

Created in-depth credit presentations that were user-friendly and easy to understand.

Guided team members through comprehensive self-assessment exercises to identify areas for improvement, evaluate performance, and optimize results; resulted in a 25% increase in individual productivity and overall team effectiveness.

Credit Supervisor, 04/2019 - 01/2022

Indigo Ag – Memphis, TN

Startup Agricultural Commodities & Carbon credit broker, Direct, manage and coordinate the workflow of five-member team.

Author best practices for liens & co-authored Credit policy

Worked with ERP team to build collection module, set collection strategies and set up MDM for customer hierarchies.

Achieved reduction in past due percentages, lowering them from 57% to 19.8% within 30 days.

Successfully reconciled and allocated two years' worth of unapplied cash in 2 months.

Oversaw transition from manual AR functionality to Oracle cloud, with minimal downtime.

Senior Credit Risk Reporting Analyst, 10/2010 - 04/2019

ABB, Inc – Memphis, TN

Responsible for credit/collections of sensitive & special care accounts portfolio of $48 million.

Resolved short payment/disputed invoice processing, customer service.

Developed & implemented training program for offshore GBS team, covering multiple processes related to collections, cash applications, credit team functions.

Managed Kaizen reducing month end close from 6.7 to 5.1 days.

Ranked first in department for quarterly average DSO of 38 days.

Hand selected as customer facing point of contact during Thomas & Betts /ABB Inc acquisition.

Decreased overall error rate 32% by accurately effectively maintaining all required databases, spreadsheets, & tracking mechanisms.

Achieved estimated $200K/qtr. in savings by developing effective tracking program.

Education

Associate of Science: Business Economics

Dyersburg State Community College - Covington, TN

20 years of experience in lieu of degree

2 years of coursework completed in Business Finance

Six Sigma Yellow Belt Certified

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