Research Analyst Senior Credit
Resume:
XYLANA HOWELL
S E N I O R F I N A N C I A L A N A L Y S T
CORE
COMPETENCIES
Debt Reduction
Credit Analysis
SAP/SAP Business
Oracle/Oracle Financials
JD Edwards
Microsoft 365
V Lookups/Pivot Tables
Third Party Portals
Analytical Thinking
Electronic Data Interchange
AR Automation
EDUCATION
ASSOCIATE’S DEGREE
Columbia Southern University
Orange Beach, AL
2009-2012
DIPLOMA
George Wyth High School
06/2005
EXCEL CERTIFICATE
Texas Workforce
2021
PROFESSIONAL EXPERIENCE
SENIOR CREDIT RESEARCH ANALYST AUG 2024– MAY 2025
Addison Group-Multi Color Corporation-Manufacturing Remote
• Managed a manufacturing portfolio aging report valuing over 400 million, major accounts included Conagra Brands, Coca Cola and Niagara Bottling
• Ensured compliance with all applicable regulations regarding credit memos, write-offs, and adjustments throughout the course of investigating deductions
• Played a key role by reducing debt 90% resolve by identifying billing issues, internal ERP/EDI issues (High Radius), unidentified deductions and customers external ERP/EDI system.
• Supported order releasing process to ensure credit risk evaluation is secure
• Collaborated with IT department to implement software enhancements that streamlined the tracking of deduction cases, billing failures, and customer communication.
• Collaborated with cross-functional teams to resolve disputes and negotiate payment arrangements effectively.
SENIOR CREDIT COLLECTIONS RESEARCH ANALYST MAY 2024 – SEP 2024 Randstad Agency, McKesson Irving, TX -Manufacturing Remote
• Prepared reports on pharmaceutical deduction claims and presented findings to management.
• Managed Walmart, CVS, & Optum portfolio finding billing discrepancies, logistics disputes, product damages.
• Streamlined the deduction reduction process with distributing Plants
• Issued a daily Recon report that shows balancing of previous days cash applications and rejected invoices.
• Resolved debits and credits coding deductions to clear with proper investigation and backup to create credit memos utilizing SAP and High Radius SENIOR CREDIT ANALYST DEC 2023 – MAY 2024
Beacon Hill Staffing, Prime Source Irving, TX -Manufacturing Hybrid
• Assess Creditworthiness of a company’s ability to honor financial obligations for commercial construction inventory company.
• Collected earning statements and past repayment history utilizing platforms such as Dun & Bradstreet and direct communications with trades.
• Reviewed credit limits of existing customers to determine if an increase of credit limit may be approved.
• Managed the releasing of production orders that are on hold due to credit, upon approval utilized SAP order releasing functions to vendors or discussed payment plans needed for order releasing.
• Coding Mutli Million-dollar accounts deductions for Home Depot, Lowes aAceAce.Manua
PROFESSIONAL PROFILE
Professional in the financial analyst field with a track record of resolving high-value accounts and optimizing recovery processes. Known for the reliability and adaptability in dynamic environments. Skilled in team collaboration and achieving results through strategic planning and effective communication.
*********@*****.***
/in/xylana-howell-0704xh
Irving, TX
PROFESSIONAL EXPERIENCE
SENIOR CREDIT ANALYST
• Provided manual excel report monthly statements and pivot tables for some major construction company accounts
• Worked closely with the sales team to manage the credit release shared inbox for emails concerning orders not released due to credit risk in a fast-paced environment DEDUCTION CLAIMS ANALYST APRIL 2023 – NOV 2023
Randstad Agency, Blue Triton Coppell, TX -Food and Beverage Hybrid
• Researched and investigated open invoicing claims and chargeback deductions, shortages, and overages.
• Utilized multiple channels of EDI portals to validate or invalidate customer purchase Orders, Sales Pricing and Terms and conditions.
• Managed logistics and promotional deduction balances of Amazon, Target, Kroger and Walmart portfolios balances as large as 900K
• Supported sales and worked closely internally and externally with customers via email, phone or mail.
• Prepared documentation to support issuance of credits and coded deductions in SAP to clear with credit memos internally for balancing
CREDIT COLLECTIONS ANALYST MAY 2021 – MARCH 2023
Hoya Vision Care Lewisville, TX -Manufacturing Onsite
• Managed Aging Report of half million dollars, performed financial analysis on prospects/clients and undertake credit underwriting and approval process.
• Provide support to the billing team and sales team and multiple warehouses for customer product distribution.
• Negotiated repayment plans by identifying causes of delinquent payments to assist is recovery of debt and meet realistic timeframes that will meet the customer’s needs.
• Utilized Oracle and JD Edwards to apply cash and credit payments. Assisted with issuing refunds and closing accounts.
• Placed hard stops on lines of credit and shipping orders on delinquent accounts that have maximized available credit past terms and conditions of credit balances.
• Proficient usage of Microsoft 365, MS Excel and DOS systems. COLLECTIONS/RECOVERY SPECIALIST 3 SEP 2016 – AUG 2020 Marine One Dumont Group Addison, TX -Consumer Lending Onsite
• Monitor consumer accounts to identify outstanding debts
• Knowledge in billing procedures and utilizing skilled collection techniques such as negotiation and skip tracing
• FDCPA certified
• Contacted customers to settle account debts
• Process payments and refunds managing 250-300 accounts
• Met monthly targets and collection goals utilizing CSR system
• Reported collection activity on accounts receivable status, bankruptcy and charge-offs
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