Senior Credit Manager with Online Business Expertise

Professional Summary

Results-driven credit management professional with years of experience as a Senior Credit Manager, adept at optimizing credit policies, mitigating risk, and driving financial performance. Proven track record in leading credit operations, analyzing complex financial data, and implementing strategic credit solutions that enhance profitability and customer satisfaction. Currently managing an online business, leveraging expertise in financial management, customer relations, and operational efficiency to drive growth and profitability in a digital landscape. Recognized for strong analytical skills, attention to detail, and the ability to develop and maintain productive relationships with customers. Seeking to utilize extensive credit management experience and entrepreneurial insight to contribute to a dynamic organization’s financial success.

Skills

Credit Risk Assessment & Financial Analysis

Policy Development & Regulatory Compliance

Customer Relationship Management

Strategic Decision-Making & Problem-Solving

Operational Efficiency & Process Improvement

E-Commerce & Digital Financial Management

Negotiation & Conflict Resolution

Team Leadership & Staff Development

Professional Experience

Online Sales Manager Owner

Mercari Rock Hill, SC

August 2012 - Present

Track sales performance, expenses, and profits to ensure accurate financial reporting and analysis.

Continuously analyze business performance metrics to identify areas for improvement and implement data-driven strategies.

Stay up to date with e-commerce trends, platform updates, and industry best practices to adapt and grow the business.

Manage budgeting and cost control by monitoring shipping costs, transaction fees, and marketing expenses to maximize profitability.

Senior Credit Manager

Seattle City Light Seattle, WA

January 2000 – August 2004

Developed Credit Policies and Procedures.

Managed a team of 20 Customer Service Representatives and Meter Readers.

Managing risk and ensuring regulations while reducing a $5 million in bad debt and past due accounts to under $500,000 within a few months, with $250 million in monthly billing services over 400,000 homes and businesses in Seattle and surrounding communities.

Create and monitor credit portfolios of new and existing business customers.

Negotiate terms and resolve payment issues using analytical skills and make decisions based on data analysis while maintaining customer relationships.

Have a working knowledge of financial, UCC, bankruptcy and legal issues.

Education

Antioch University

January 1996

Bachelor of Arts in Accounting

National Association of Credit Managers

NACM – CCE – Continuing Education

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