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Skills

  • Credit approval cycle optimization
  • Advanced financial modeling
  • Delinquent account management
  • Vendor negotiation skills
  • Communications
  • Framework equipment
  • AR/AP system integration
  • Credit analyst training and growth
  • Proficient in Mandarin
  • Business operations

Work Experiences

  • Collaborated with legal and collections teams.
  • Looked for industry trends on social media and through online sources.
  • Transported Adobe Creative Suite to one year customer locations.
  • Defined and enforced credit limits for customers.
  • Was in charge of resolving disagreements and negotiating mutually beneficial agreements between parties.
  • Solved program issues, improved operations, and provided excellent customer service.
  • Worked with management to evaluate credit strategies and come up with ways to improve them.
  • Analyzed customer financial data to determine risk levels for new and existing credit clients, driving a 22% reduction in credit losses.
  • Collaborated with sales and finance.
  • Collaborated with clients to restructure delinquent accounts.

Summaries

  • Client-focused Regional Credit Manager adept at negotiating favorable terms that increased client satisfaction and generated $17 in additional revenue.
  • Adjusted lending strategies.
  • Award-winning Regional Credit Manager recognized for reducing customer default rates by 16% using data-driven risk assessment models.
  • Achieved a 25% increase in recoveries.
  • Excellent track record of resolving issues, increasing customer satisfaction, and driving overall operational improvements.
  • Achieved 28% improvement in credit scoring accuracy.
  • Accomplished results within 11 months.
  • Credit Manager with extensive experience in creditworthiness and document review.
  • Boosted client satisfaction.
  • Consistently reduced customer defaults.

Accomplishments

  • Integrated AR/AP systems across 15 regional offices, improving transaction visibility and facilitating faster dispute resolution by 73%.
  • Spearheaded the digitalization of credit review processes, reducing manual data entry errors by 81% and increasing the accuracy of risk assessments.
  • Analyzed regional market data to assess economic impacts on outstanding credit risk, guiding adjustments that led to a 83% reduction in late payments.
  • Developed and presented credit risk mitigation plans to senior management, leading to a $141,000 decrease in potential liabilities.
  • Conducted quarterly regional credit portfolio reviews which helped identify early signs of credit deterioration, recovering $151,000 within one year.
  • Managed credit portfolios for high-risk clients, recovering over $246,000 in overdue payments and re-establishing credit limits for 12 accounts.
  • Achieved President's Club for minimizing debt exposure through risk management strategies, best practices, and team training initiatives.
  • Documented and resolved program which led to framework.
  • Reduced regional bad debt expense by 31% through the implementation of enhanced risk-adjusted lending strategies.
  • Implemented compliance monitoring tools, contributing to a 17 consecutive year track record of zero audit findings across the managed credit portfolio.

Affiliations

  • CFA Institute
  • Global Credit & Risk Management Association
  • Credit Institute of Canada
  • Credit Services Association (CSA)
  • Association of International Certified Professional Accountants (AICPA)
  • Corporate Financial Management Association (CFMA)
  • American Marketing Association
  • Jaycees
  • Association of Information Technology Professionals
  • International Trade Finance Association (ITFA)

Certifications

  • SHRM Certified Professional (SHRM-CP)
  • Certified Credit and Collections Professional (CCCP)
  • Certified Commercial Underwriter (CCU) - Cedar Works 2017
  • SHRM Senior Certified Professional (SHRM-SCP)
  • CompTIA A+ Technician
  • Certified Credit Risk Professional (CCRP) – Northwind
  • Chartered Accountant (CA) - Columbus Accredited
  • Credit Application Processing Certification - Harbor & Co.
  • Certified Accounts Receivable Manager (CARM) - framework
  • Credit Risk Management Certification - Ironclad Systems 2015

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