Credit Analyst II

• Apr 2017 - Present

Credit Analyst

• Apr 2017 - Apr 2017

Credit Analyst

• Mar 2014 - Apr 2017

As the Credit Analyst at NatureWorks LLC I am globally responsible for determining our customers’ creditworthiness and the likelihood of honoring their financial obligation. This includes analysis of potential customers’ financials, as well as on-going credit review of existing customers, including risk evaluation, reporting, and other necessary interactions with global sales team and customers. As well as being responsible for collection on customer’s past due accounts. Ensuring that our ERP system is accurate and administrative requests are in compliance with corporate policies and procedures.Responsible for reviewing customer credit applications, projected sales, analyze financial data and trends, evaluate credit risk and setting customer credit limits Accountable for reviewing and approving as necessary customer credit limits based on the Credit Policy Manage annual credit reviews for all customers; including contacting customers regarding financial information Responsible for monitoring and releasing shipments in SAP based on Credit policy Ensures company’s credit policies are followed and works with sales managers and customers to resolve credit issues; monitors and reports any credit concerns to management Maintain DNBi system daily A/R updates Responsible for maintaining customer credit master Manage Day Sales Outstanding(DSO) reporting and analysis Responsible for communication to customers and sales team regarding past due invoices and documenting customer follow up per Credit policy Credit risk analysis and financial statements analysis in global organizationAdvanced Microsoft Office Suite skillsExcellent communication skills, in person, on the phone, and in writing Demonstrated track record in taking initiative and a strong desire and capability to learn new skills Experience with SAP and Oracle E1Experience with legal, compliance and market risk related issues

Credit Analyst

• Mar 2010 - Apr 2014

Responsible for credit approval, follow-up, collections, and monitoring of account receivable. Negotiate payment plans with clients. Act as a resource to sales and clients to resolve credit issues. Prepare correspondence and additional documentation pertaining to contractual agreements. Maintain client notes using Oracle Enterprise One software. Recommend and Prepare accounts for Write Off and review with manager. Utilize Dunn & Bradstreet as well as Experian to monitor accounts and prepare approval of credit. Proposed and published metrics and KPIs to be incorporated into the monthly financials and dashboard. Worked with managers to develop annual expense plan goals. Reconstruct accounting records from clients' checks and cash receipts. Reported monthly expense variances and explanations. Created presentation formats for monthly/quarterly review of expense charge-outs.Reduced the DSO (Days Sales Outstanding) metric from 62 to 46 in less then one year. Achieving the lowest DSO among all 40+ countries. Total bottom line result of 4.6 million in free cash flow.Effective listening and responding while following up with escalation where needed has resulted in consecutive measurable declines in bad debt reserve requirements.Improved KPI measures to be more meaningful and telling of our collection efforts as a team and individually which management tied to incentives when needed.

Account Analyst

• Sep 2004 - Oct 2009

Collected and reported monthly expense variances and explanations.Prepare aging reports and present results to management.Maintain customer files and follow up on issues.Close accounts receivable books monthly after trial balance.Comply with GAAP & SOX regulatory laws & standards.Compiled financial reports pertaining to cash receipts & bad debt expense.Established policy & procedures for a paperless system for accounts receivable resulting in substantial savings.Team lead for Accounts Receivable SOX compliance narrativeProject coordinator for cash automation of 4 million in monthly receipts

Media Relations Intern (Summer)

• May 2004 - Aug 2004

Summarized Memorandums of Understanding & updated current progress.Media Relations using Vocus Press release Software.Familiarized legislators of the need for affordable housing.Writing/Editing of monthly newsletter & media advisories.Designed informational pamphlet for the US Conference of Mayors using Page Maker Summarized Memorandums of Understanding & updated current progress.Media Relations using Vocus Press release Software.Familiarized legislators of the need for affordable housing.Writing/Editing of monthly newsletter & media advisories.Designed informational pamphlet for the US Conference of Mayors using Page Maker

Account Representative

• Oct 2001 - May 2004

Focused on customer satisfaction while achieving company wide liquidation rates.Trained peers in effective communication techniques in collections.Consecutively achieved bonuses for exceeding goals.Maintained a level of empathy & professionalism in relation to clients. Focused on customer satisfaction while achieving company wide liquidation rates.Trained peers in effective communication techniques in collections.Consecutively achieved bonuses for exceeding goals.Maintained a level of empathy & professionalism in relation to clients.