Versatile credit manager
Resume:
Ana M. Sanchez
Long Beach CA ****4
***********@*******.***
A versatile Credit and Finance Manager with extensive experience in product and service sectors supervising administrative and financial staff. Expertise includes accounts receivable, sales and operations, problem analysis and remediation. Develop new policies and process improvements. A strong team builder and manager with strong interpersonal skills and a record of continually reducing delinquencies
Professional Experience
BSH Home Appliances Corporation – Huntington Beach, CA 2005 – 2007
Accounts Receivable Supervisor
• Managed a staff of six and an 80MM portfolio for a fast growing, high end appliance manufacturer whose brands include Bosch, Thermador, Siemens and Gaggenau.
• Oversaw all credit and AR functions, such as cash applications, credit/debit memos, chargebacks, the approval and collections of accounts, UCC and security filings.
• Reorganized AR department structure and created new AR policies and procedures to meet the conversion from distributor-based to direct marketing. Developed policies that adjusted to the demands of a direct market account profile.
•Developed the new accounts procedure to reduce risk, while considering company sales goals.
•Worked closely with sales, logistics, order management, and IT to establish efficient procedures, aiding in maximizing profits.
•Reduced delinquencies by 12% within 10 months.
•Reported daily cash forecasts and prepared and presented monthly AR and DSO reports to CFO and department directors.
•Worked with IT to upgrade SAP system to enhance AR functions including developing new interfaces and more efficient screen graphics and presentations.
•Planned and assisted implementing credit card system for online payments for parts.
•Led a conversion project that automated the relationship between BSH and its Factor reducing payment time and risk.
Fujitsu Ten of America – Torrance, CA 2003 – 2005
Credit Account Manager
•Managed accounts receivable for 500 accounts in the Western Region.
•Reduced 60-day delinquencies by 70% over a 2 year period.
•Established, reviewed and recommended credit lines and terms by analyzing financial statements, payment trends, and bank and trade references.
•Performed ratio analysis and issued security agreements as needed.
•Leveraged risk and exposure for established accounts.
•Reconciled accounts and resolved billing discrepancies.
•Processed cash receipts and updated accounts.
Pieper Fine Woodworks – Los Angeles, CA 1995 – 2003
Financial Manager
•Managed financial records for a commercial construction company with an annual revenue of over $1MM.
•Served as full charge bookkeeper with responsibility for general ledger, A/P, A/R, monthly reconciliations and invoicing.
•Determined projections for labor, materials and time scheduling and created a profitable rate structure and costing models for projects.
•Developed annual budgets and analyzed project variances.
•Resolved vendor billing discrepancies and filed liens as needed.
Cellular One – San Francisco, CA 1993 – 1995
Senior Credit Supervisor
•Worked with consumer and business accounts to issue and extend credit lines by analyzing financial statements, D&B records, bank and trade references.
•Supervised a staff of 10 employees, including staffing requirements, training and employee appraisals.
•Teamed with engineering to develop a technical manual to identify hardware and software related failures, improving customer satisfaction and retention.
Education
Bachelors of Science, Business Administration & Finance
California State University – Long Beach, CA
Computer Skills
MS Office Suite (Word, Excel, Outlook, PowerPoint)
QuickBooks
SAP
Languages
Fluent in English and Spanish
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