Credit Analyst Financial Data

JOHN SINGER

WORK EXPERIENCE

Warehouse Rec January 2022 – September 2023

CREDIT ANALYST

Reviewed customer financial data to ascertain level of risk involved for extending credit.

Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.

Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.

Requested financial documents from customers.

Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.

Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.

Presented key information to upper management and executive team for loan recommendations.

Monitored and maintained compliance with internal controls and government regulations.

Conducted credit reviews on corporations to assess financial conditions.

Collected and organized loan documents before submission to underwriting.

National Trench Safety January 2017 - January 2022

CREDIT ANALYST

Handling all the east coast accounts sent out statements, invoices, lien notices, made phones calls, sent emails out to generate payments collected $13 million a month, answer all incoming calls from customer and branches

Completed all the accounts payables for Agile and Shirley Contracting File

Completed Bank Audits, Assisted employees in the daily duties

Review and access new subscriber accounts with the available risk tools

Act on possible loss to fraud or credit risk case in a timely and efficient manner

Review and analyze daily Payment Report for any possible fraud, credit risk and loss exposure

Document and analyze findings

Responsible for analyzing credit and financial reports to determine risk involved in loaning extending credit

Scrutinizes financial data such as market share, income growth, and management

quality to decide if loans will be lucrative and filing Bankruptcy Proof of Claims.

Lockwood International January 2016 - January 2017

SENIOR CREDIT ANALYST (CONTRACT)

$18 million File International and Domestic Accounts

Calling past due Oil and Valve Companies to generate revenue

Handling customers disputes, taxes, invoicing, and proof of delivery Set up payment plans, and bank wires, to generate revenue

Handle all incoming Credit and Collections Calls on a daily basis

Forecasting Weekly Revenue

Analyzed and released pending orders

Responsible for analyzing credit and financial reports to determine risk involved in loaning extending credit

Scrutinizes financial data such as market share, income growth, and management quality to decide if loans will be lucrative.

Set up new customer file and review Dunn & Bradford credit reports

Attended Weekly Meetings with Management on collection accounts.

Distribution NOW January 2014 - January 2016

SENIOR CREDIT ANALYST (CONTRACT)

Applied company's credit collection policies and procedures to insure a satisfactory receivable turnover

Responsible for an average of 300 active accounts and maintain turnover of receivables of approximately $5-10million

Attended credit meetings, resolved payment issues, and follow up on all account issues

Reviewed Dunn & Bradstreet and processed orders on commercial accounts

Applied liens and holds to customer accounts

Proficient with excel, resolving disputes, chargeback adjustments

Prepared spreadsheets and reports for management

Strong collections experience and accustomed to handling high volume calls

Experience credit analysis skills Worked on a special 2013 project of open invoices and collected $450,000.00 Cosl Mexico Account resolved disputes and collected $300,000.00 Worley Parsons Group resolved dispute and collected $50,669.20 bank wire

Houston Pipe Benders, LLC resolved dispute and collected $19,267.00

Chemtec Energy Services, LLP generated proof of delivery and collected $250,000.00

Analyzed and released pending orders.

Patrick O'Connor & Associates January 2013 - January 2014

SENIOR CREDIT ANALYST

Proficient with excel, resolving disputes, chargeback adjustments

Completed lease and rental contracts

Worked with Harris County Constables to evict tenants for non-payments

Attend courts hearing with judges and customers to work out a payment plan

Sold over 50 properties, Process payments via checks, credit cards and bank wires

Handle and resolved all incoming collection calls and credit cards disputes etc

Made 100 calls daily to produce revenue

Analyzed and released pending orders.

Blackmon Mooring of Houston January 2010 - January 2012

COLLECTION MANAGER DSO

Proficient with excel, resolving disputes, chargeback adjustments

Convince business to pay the full balance on their accounts, set up pay plans and settlement offers

Email, scan, fax and mailed all back up information to salesmen and customers

Completed daily bank deposit

Called all banks to completed mortgage check deposit process

Drove to different business and picked up large checks from $20,000.00 to $500,00.00 Called customers that were past due 30, 60, 90 and 120+

Mailed out legal collection letters on all past due accounts

Completed all collection and customer service duties daily

Answered and resolved all incoming collection and customer service calls daily

Number One Collector Nation Wide for Blackmon Mooring

Completed Lien process on past due accounts

Worked with Insurance companies on customer damages

Analyzed and released pending orders.

Grainger January 2007 - January 2009

SENIOR CREDIT ANALYST

Called on 600 past due customers worked out of the Q System processed payments

Handle all incoming collection and customer service calls ranging from pricing

Entered shipment data in the system to track customer freight

Processed Credit Card information for payment

Assisted team members with resolution of customer issues

Prepared spreadsheets and data for management and customers

Focused on collection the largest balance past due

Mailed out past due invoices and collection letters

Analyzed and released pending orders.

Houston Community Newspaper January 2006 - January 2007

COLLECTION MANAGER

Commercial Collection on past due accounts from $3M to $30M

Reviewed and processed new credit applications Answered all incoming collection and customer service calls

Outsourced bad debt accounts to the collection agency

Processed NSF checks with Harris County Courts

Researched and resolved invoicing disputes with customers

Processed Credit Card information for payment

Mailed out past due invoices and collection letters

Trained new employees on software and policy and procedures

Maintained monthly projection and complete all collection duties.

Chase Bank January 2002 - January 2006

COMMERCIAL CREDIT ANALYST

Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.

Reviewed customer financial data to ascertain level of risk involved for extending credit.

Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.

Requested financial documents from customers.

Negotiated payment plans with customers, achieving sales and cash flow objectives.

Conducted credit reviews on corporations to assess financial conditions.

Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.

Assessed customer credit files regularly to review receivables.

Presented key information to upper management and executive team for loan recommendations.

EDUCATION

University of Texas

BS Finance

SKILLS

Oracle • Loan Documentation

SAP • Information Verification

Get Paid • Credit Analysis

QuickBooks • Team Building

Excel • Planning & Organizing

Oral and Written Communications • Critical Thinking

Judgmental Lending • Organizational Skills

Banking Regulations • Problem Resolution

Financial Statement Review • Training & Development

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