Accounts Receivable / Credit / Collections
Resume:
Virginia Merante
Northford Ct 06472
********@*******.***
Objective
I am seeking a challenging Accounts Receivable/ Credit position which would allow me to utilize my 22 years of experience. I am skilled in all phases of Credit/Receivables management, risk analysis, Inventory auditing, account auditing, month end closing, bank statements, credit card statement reconciliation, collections, payment reconciliation, maintaining customer relationships, customer service. Strong communication, negotiation and interpersonal skills. I am a self starter, work well with others as well as on my own. Goal and detail orientated.
Experience
Credit Specialist
01/08- 07-09 Durham Manufacturing, Durham, Ct
• Credit evaluation and set up of new customers.
• Resolving accounts on credit hold, collections.
• Credit card processing and settlement, cash application.
• Account dispute resolution.
• Daily cash deposit
• Skip tracing.
• Bankruptcy.
Credit Manager
07/2004- 6/2007 Delia Inc., Wallingford, Ct
• Monitored collection of $11 million receivables.
• Worked with problem accounts to resolve issues in a manner satisfactory for both parties.
• Reconciliation of accounts, inventory audit, audit of internal invoices/credits to assure accuracy.
• Established new procedures. Worked closely with Sales Department, to ensure company credit procedures and policies were followed and resolve company wide issues.
• Credit evaluation for perspective new customers, set up account terms depending on references, D&B rating and future sales goals.
• Analyzed previous month's sales to determine new month's collection goals on a weekly basis. Monitored cash receipts and adjusted collection techniques accordingly to maintain goals.
• Month end closing: balanced of cash receipts for all (4) bank branches and internal controls, prepare bank reports, maintain and balance company bank statements, reconcile general ledger monthly, maintain fixed assets, prepared documents for accountants.
• Maintained employee purchase promissory notes and yearly depreciation report for W2 filing and accountants.
• Determined the amount of credit insurance coverage needed on accounts, based on sales and payment history.
• Determined when accounts are going to suit and any settlement offerings.
• Worked closely with the Controller and VIP of operations to maintain company financial goals. Proficient in Excel, Windows, Microsoft word, Eclipse.
Collection Coordinator
8/2003- 07/04 Micro Patent, LLC East Haven, Ct
• Fast paced collection of accounts 30 days + delinquent on five company products/aging.
• Reconciliation and maintenance of both customer accounts and company reports.
• Month end balancing and closing of Accounts Receivable Aging.
• Daily deposits. Journal entries
Loss Mitigation Coordinator
12/2000-7/2003 Mortgage Lenders Network Middletown, Ct
• Aggressive collection of second mortgages, 60 + days delinquent through foreclosure status.
• Account reconciliation, payment plans.
• Obtained financial information and consult customer on financial standing.
• Mitigation of accounts in Foreclosure.
• Financial Analysis of credit.
• Skip tracing of abandoned properties.
• Ordered and analyzed property inspections.
• Collection on accounts in bankruptcy according to Bankruptcy laws and regulation.
Lead Repayment Specialist
7/2000-12/2000 Peoples Bank Bridgeport, Ct
• Supervised 2nd shift
• Lead advisor of 60+ day delinquent credit card accounts.
• Payment plans for customers according to company guidelines to avoid charge off.
• Credit Analysis.
• Skip tracing Charge off and settlement negotiation.
Collection Specialist
01/98-07/2000 Mortgage Lenders Network Middletown, CT
• Collection of accounts over 30 days.
• Department Lead, supervised night and weekend shifts.
Senior Customer Account Consultant Seton Identification Branford CT
6/1988-8/1997 Seton Identification Branford CT
• Team Leader
• Aggressive collection of 60 day + delinquent accounts (including business to business, government and military contracts).
• Negotiation of payment plans and settlement agreements. R
• Referred accounts to outside collection agencies.
• Reconciliation of disputed accounts.
• Processed credit memos, cash entry, and day end credit card balancing.
• Write off and cash transfers.
• Month end closing.
Education
6/1987 North Branford High School North Branford Ct
7/2000 -1/2001 Albertus Magnus New Dimensions Management Association program.
Other training I have extensive business theory training through several
classes and seminars. I attended two phases of Total Quality Management which
emphasized taking ownership of the job at hand, building a team atmosphere, the
importance of the "Life long" customer, and "Doing it right" the first time.
I am experienced in two years of the "Just in Time" theory in which I was team
leader. This training focused on doing more with less and finding an easier,
more cost effective method in every aspect of a job.
I also attended Steven Covey's 7 week training course of "Seven Habits for
Highly Effective People". This class dealt with interpersonal skills and
effective communication.
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