Credit Manager Accounts Receivable

BRENDA VELA

ad2fil@r.postjobfree.com 469-***-**** Arlington, TX 76018

Summary

Dedicated Credit Manager with high integrity and deep knowledge of the field bringing fifteen years of related experience to support business financial needs to your team Specializing in accounting credit administration.

Skills

Credit Reports

Authorizations Knowledge

Fluent in Spanish

Application Review

Credit Evaluations

Customer Engagement

Performance Improvements

Proficient With Outlook, Microsoft, Excel, Powerpoint

Risk Assessments

Mentoring and Training

Records Management

Policy Implementation

Risk Analysis

Performance Monitoring

Experience

Confidential Dallas, TX

SR Credit Manager

11/2011 - Current

Developed and maintained relationships with commercial customers.

Recommends way to sell to customer such as letters of credit, joint check agreement, enforcing bond lien rights and terms.

Consistently evaluate risk, set credit limits and monitor customers financial condition and alert sales and accounting team members.

Use D&B, Equifax, Experian, NACM as main resources to determine credit terms.

Submit delinquent accounts to outside collection agencies.

Reviewed customer financial statements, credit ratings, and other information to determine creditworthiness of potential customers.

Identified areas of improvement in the current system for evaluating customer creditworthiness.

Negotiated payment terms with customers to ensure timely collections.

Monitored accounts receivable aging reports and took action as needed to collect payments on delinquent accounts.

Created monthly reports on outstanding credits and prepared presentations for senior management meetings.

Assisted in training new employees on the company's credit policies and procedures.

Researched industry trends related to customer credit and recommended changes as necessary.

Evaluated existing internal processes for approving customer applications for credit lines.

Conducted periodic reviews of customer files to ensure compliance with established policies and procedures.

Worked closely with sales teams to identify new opportunities for extending customer credit limits.

Managed a team of Credit Analysts responsible for assessing customer applications for loan products.

Provided guidance on best practices when making decisions about granting or denying customer requests for increased line of credits.

Ensured all applicable laws, regulations, rules, and standards were followed when approving or denying loan requests from customers.

Coordinated with external auditors during annual compliance reviews of the company's lending activities.

Investigated complaints regarding billing errors or discrepancies involving customers' accounts receivables records.

Participated in weekly meetings with upper-level executives to discuss progress towards achieving department goals.

Maintained updated records of all transactions relating to customer accounts receivables including invoices, payments, adjustments.

Analyzed data from various sources such as balance sheets, cash flow statements, income statements., in order to make informed decisions about extending additional lines of credits.

Worked with management to evaluate credit strategies and develop improvements.

Managed reporting, documentation and recordkeeping requirements for department.

Gathered information related to assessment of annual bad debt to carry out in-depth reviews.

Submitted delinquent accounts to collections department or outside resources.

Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.

Maintained regular performance appraisals for subordinates through verbal, written and on-going review programs.

Managed relationships with tax authorities, bankers and auditors.

Coordinated preparation of external audit materials and external financial reporting.

Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.

Monitored customer account details for non-payments, delayed payments and other irregularities.

Ensured timely and accurate processing of all credit transactions.

Gathered information from resources such as DNB, Equifax, Experian, NACM to determine credit worthiness.

Maintain updated files of bond claims and liens according to each states specific laws and regulations.

Pavestone Company Dallas, TX

Credit Manager

10/2008 - 10/2011

Monitored customer account details for non-payments, delayed payments and other irregularities.

Manage the completion of a comprehensive credit analysis for all customer relationships, consisted with the credit policy and requirements.

Obtain information about potential creditors/customers from banks, credit bureaus, and other credit services.

Provide guidance to sales and accounting team members concerning financial condition and alert sales and accounting team members when issues arise.

Determine if new orders should be released for customers with past due or overdrawn accounts,

Generate reports with AR data/analysis, account research and reconciliation and monitoring overdue accounts.

Collected overdue payments from customers using various methods such as phone calls, emails or letters.

Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.

Performed periodic audits of customer accounts to ensure compliance with company policies and procedures.

Investigated discrepancies between actual balances owed by customers versus amounts recorded in company's accounting system.

Provided guidance and support to other departments regarding the development of new credit policies and procedures.

Submitted delinquent accounts to collections department or outside resources.

UPS Headquarters Dallas, TX

Accounting Auditor

01/2007 - 09/2008

Coding, keying, verification and processing forms.

Investigating and resolving discrepancies, examining, analyzing, and correcting account transactions.

Reconcile, research, and distribute various reports.

Maintain databases and prepare various controls and audits.

Processing manual electronic charge backs.

Researching and resolving errors by contacting wholesalers/clients.

Maintaining updated contract product and pricing data within the system.

Completing reversals to correct charge back credit memos.

Participate in manager meetings and conference calls for existing clients.

The Roomstore Grand Prairie, TX

Account Receivables Assistant Manager

05/2003 - 08/2007

Reconciling and balancing general ledger accounts.

Auditing legal binding contracts for financing.

Preparing, mailing, billing statements to customers.

Preparing and reviewing journal entries and trial balance accounts.

Daily deposits of cash, credit cards, checks, ACH.

New Hire Training.

Developed and maintained relationships with commercial customers.

Negotiated payment terms with customers to ensure timely collections.

Monitored accounts receivable aging reports and took action as needed to collect payments on delinquent accounts.

Created monthly reports on outstanding credits and prepared presentations for senior management meetings.

Submitted delinquent accounts to collections department or outside resources.

Education and Training

Tarrant County College District Fort Worth, TX

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