Credit & Collections Analyst Supervisor with 10+ Years Experience

Janine Jeffrey

Burlington, ON

Cell: 416-***-**** Email: **************@*****.***

PROFESSIONAL SUMMARY

Credit & Risk Analyst / Supervisor with 10+ years of experience in credit authorization, managing large portfolios, optimizing collections, and improving cash flow performance. Proven ability to evaluate creditworthiness, identify discrepancies, reduce DSO, and make data driven decisions that reduce risk and improve financial outcomes. Highly detail-oriented with strong experience reviewing complex financial information for accuracy, consistency, and completeness.

CORE COMPETENCIES

• Accounts Receivable & Collections Management

• Aging Analysis & DSO Reduction

• Financial Reporting, AR Analytics & Reconciliation

• Credit Policy & Compliance

• Process Improvement & Workflow Optimization

• Data Analysis (Excel, Pivot Tables, Power BI)

• ERP Systems: SAP, AS400, Epicor, QuickBooks

• Cross-Functional Collaboration (Finance, Sales, Operations)

• Identified patterns in credit behavior, delinquency, and payment trends to support data-driven insights PROFESSIONAL EXPERIENCE

TML & Marks Supply, Divisions of Marcone Group of Companies 2024 – present Credit Supervisor

• Manage a large credit portfolio, monitoring aging reports, ensuring effective risk management & credit decisioning while driving timely collections

• Analyze receivables and implement strategies to reduce DSO and improve cash flow performance

• Develop and maintain weekly aging and DSO reports to track performance and identify high-risk accounts/trends

• Approve and recommend credit limits exceeding $100k based on financial statements, credit reports and risk analysis

• Lead resolution of complex account discrepancies, ensuring data accuracy, proper financial outcomes, and account reconciliation

• Support leadership of credit team by providing guidance on escalations, collections strategy, and account management

• Collaborate cross-functionally with sales, operations, and finance teams to align credit policies with business growth objectives

• Identify risk factors and inconsistencies in financial data to implement process improvements to enhance billing accuracy and reduce delays

• Document credit decisions and account scenarios in a clear, structured format for reporting and internal use Guillevin International Co. – Electrical Distributor 2019 – 2024 Assistant Credit Manager

• Managed a high-volume portfolio of accounts, ensuring compliance with credit policies and risk frameworks

• Conducted detailed credit review and financial analysis, to support risk-based decision-making

• Identified discrepancies in account data and resolved issues to maintain accuracy and reduce delinquency

• Investigated and resolved billing and payment discrepancies and disputes in collaboration with internal teams

• Supported month-end close, including aging reports, reconciliations, and risk analysis

• Partnered with sales teams to balance revenue growth with credit risk mitigation

• Provided reporting and insights to leadership on portfolio performance and risk exposure Janine Jeffrey Page 2

PROFESSIONAL EXPERIENCE(CONT’D)

Parkland Fuel Corporation, Burlington, ON 2017 – 2019 Category & Pricing Coordinator

• Maintained and analyzed large datasets to identify pricing discrepancies and margin risks

• Developed Excel-based reporting tools to identify discrepancies and improve data accuracy

• Identified discrepancies and collaborated cross-functionally to resolve data and system inconsistencies K Paul Architect, Oakville, ON 2016 – 2017

Billing Team Lead

• Supervised billing operations and ensured accuracy of invoicing and financial records

• Managed client billing, resolved discrepancies, account set-up and account reconciliation

• Improved processes to enhance billing accuracy and efficiency Westdale Machine Company, Stoney Creek, ON 2014 – 2016 Office Manager

• Managed full-cycle bookkeeping including AR, AP, payroll, and account reconciliation

• Maintained financial records and supported audit preparation and reporting EDUCATION

York University, Toronto, ON

Honours Bachelor of Arts (Mathematics Major, Economics Minor) TECHNICAL SKILLS

• Advanced Excel: Pivot Tables, Power Query, Power BI

• ERP Systems: SAP, AS400, Epicor (P21 & Eclipse), QuickBooks, Yardi

• Credit Tools (Dun & Bradstreet, Equifax, Can Legal Referral, Credinet, Lumbermens)

• Health & Safety: First Aid/CPR, WHIMIS 2015, WSIB basic certification training, Joint Health & Safety Certified

• Foxit Editor, Adobe including Reader, Illustrator, Editor PROFESSIONAL DEVELOPMENT

• Pursuing Certified Credit Professional (CCP) designation

• LinkedIn Learning

• Microsoft Office 365 Sharepoint Adobe Suite

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