Accounts Receivable / Credit Specialist

CARLOS O. GALVEZ

***** ******* **., ******, ** **388 • 281-***-**** • ******.*.******@*****.***

SUMMARY OF QUALIFICATIONS

• More than 15 years of credit and collections management • Fluent in written and oral Spanish

• Exceptional customer service • Excellent debt recovery rates

• Outstanding leadership & communication skills • Hard working, able to multi-task effectively

PROFESSIONAL EXPERIENCE

Advance Polybag Enterprises, Inc Sugarland, TX

Accounts Receivable Specialist 2/2009 – 6/2009

• Managed $50M portfolio of commercial accounts

• Collaborated with other departments to ensure proper credits and debits on accounts

• Monitored payments and worked with customers showing signs of slow payments

• Analyzed discrepancies on accounts not paying invoices in full or taking unauthorized deductions

• Effectively teamed up with customer service and sales to resolve collection issues

• Telephoned and emailed customers for payment of past due invoices

• Supervised cash application

• Ensured that customers take discounts as per contract terms

• Reviewed credit history and approved credit limits and new orders for customers

DHL Express Houston, TX

Revenue Analyst 5/2008 - 09/2008

• Managed national and global commercial accounts receivable

• Analyzed and monitored credit and collection activities on commercial accounts

• Collaborated closely with third party payers and accounting offices to resolve receivable issues

• Routed customer issues to proper channels for prompt resolution of claims or service failures

• Worked with internal business units to resolve complex issues

• Ran aging reports, monthly statements and queries for customers and management

• Telephoned and Emailed past due customers for payments

• Provided account status reports to sales managers to involve them in issue resolution

Key Equipment Finance (ELS) Houston, TX

Recovery / Collection Specialist 1998 - 2007

• Worked directly with management to formulate solutions on delinquent commercial accounts

• Resolved customer disputes or issues and negotiated payment plans and early settlements

• Proactively investigated insurance claims and fraud situations to mitigate losses.

• Pursued deficiency balances and recommended legal action

• Monitored credit activity and payment history of severely past due accounts

• Teamed with legal department to facilitate repossessions and further legal action

• Ensured that all commercial accounts and activities were in compliance with Uniform Commercial Code

• Consistently achieved or exceeded departmental debt recovery goals

GE Capital Mortgage Houston, TX

Pre-Foreclosure Representative 1995 - 1998

• Managed delinquent conventional and government loans and monitored payment arrangements

• Streamlined department processes to surpass monthly objectives

• Prequalified borrowers with FNMA and VA portfolios for alternatives to foreclosure

• Worked efficiently with collections, foreclosure and bankruptcy departments to provide superior customer service

• Requested Credit Bureau Reports on priority loans to determine eligibility for a work-out plan to avoid foreclosure

• Formulated written agreements and payment plans

• Consulted with legal staff as to courses of action during foreclosure or bankruptcy

• Consistently attained bonuses based on low delinquency below 2%

Aldine Independent School District Houston, TX

Bilingual Elementary School Teacher 1993 - 1995

• Instruction of elementary school grades 1 to 3

• Restructured curriculum to meet needs of students from diverse cultural and language backgrounds

• Coordinated instruction preparation and lesson planning with associate teachers

• Designed and facilitated bilingual after-school tutoring program

• Honed communication and interpersonal skills through frequent parent conferencing

Chrysler Credit Corporation Houston, TX

Accounts Receivable Rep 1987 - 1993

• Managed and serviced high volume auto A/R portfolio

• Assessed credit risk of past due accounts through credit bureau analysis and payment history

• Negotiated payment plans, early termination and settlement of delinquent loans

• Efficient collection of past due accounts via phone contacts and continuous monitoring of A/R aging

• Authorized auto repossessions and referred units to auto auctions

• Pursued customers for deficiency balances or recommended legal action

• Provided superior customer service

EDUCATION

Avila University, B.S., Management Science & Marketing Kansas City, MO

Donnelly College, A.A., Business Kansas City, KS

SKILLS & TRAINING

Fluent in Spanish, Anti Money Laundering, mortgage refinancing, work-outs & customer service, completed legal training classes in chap 7, 11, and 13 bankruptcy procedures, fraud investigation, debt negotiation, commercial and consumer credit and collection , credit bureau report analysis, D & B report analysis, FDCPA training, Patriot Act training. Collection Software: AS 400, Creditware, Leaseware, EPak, LeasePak, Fast Data. MS Office, Great Plains.

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