Experience

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  Gentek Building Products - Canada

  • Burlington, Ontario, Canada

  • Credit Analyst

    • May 2023 - Present
    • Burlington, Ontario, Canada

    Credit Analyst - Western Canada portfolioResponsible for all aspects of credit, collection, Account management for commercial accountsApprove credit applicationsCollection calls for Western Canada RegionEstablish reasonable credit limits, both new and existing Evaluate and analyze credit data Obtain and analyze bank and trade references Obtain and analyze credit reports Liaise with applicable Sales & Distribution staff to assist with effective management of A/R issues and collectionsDocument collection effortsSystems: AS400

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  Hyundai Capital Canada

  • Toronto, Ontario, Canada

  • Associate Collections

    • Mar 2022 - Apr 2023
    • Toronto, Ontario, Canada

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  Bayshore HealthCare

  • Oakville, Ontario, Canada

  • Collections Analyst (contract)

    • Mar 2021 - Mar 2022
    • Oakville, Ontario, Canada

    Responsible for all review and analysis of the aged trial balance and collections foroverdue accounts 30-120 days.Update, maintain and manage customer diverse national accountsCommunicate with clients, patients, families, insurance companies, national funders,any government agencies and Bayshore Branches to resolve billing concerns andobtain payments.Strategize and formulate solutions for problematic accounts in efforts to mitigate risk, minimize losses and retain timely payments.Support National Branches and client requests by providing statements of account and supporting documentations when required.Ongoing National branch support to provide visibility to client accounts, review statusand asses potential financial risk.Liaise with accounts receivables and billing co-ordinators to resolve transactionalissues, billing setup, unapplied payments, credit and re-bill adjustments.Requesting and reviewing service agreements, credit reports and any contractual information such as tax exemptions, hourly rates and exceptions to insure accuracy.Identify and escalate any problematic accounts to the National AR ManagerMake recommendations on potential process improvements for Collections teamPrepare refunds requests and gathering all documents for audit purposesPrepare Write-off recommendations on accounts that have exhausted collection efforts and exceeded the Collections statutory time. Making sure to maintaining proper GL practices for Audit and accounting purposes.Process paymentsNotify clients on payments being returned or unsuccessful on the account including anyreceived cheque discrepancies.Weekly department review of unresolved cheques received in Accounts receivables.systems:Alaycare, Peoplesoft, Procura

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  Stryker

  • Accounts Receivable Analyst

    • Oct 2019 - Dec 2020

    Oracle Applications Onguard ConnextB2B collectionsinvoicing debit & credit updates

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  Insception Lifebank Cord Blood Program

  • Collection Specialist, A/R

    • Jan 2017 - Nov 2018

    Maintain daily, weekly and monthly Collection reportsDaily collections and payment arrangements on overdue accountsProcess daily payment transactions (credit cards, cheques etc.)Process monthly vendor payments and update in accounting system (Sage, Accpac, Oracle)Process department monthly expense reportsProcess Collection outbound mail and notices such as payment reminders, forfeit and termination lettersTracking department trends as well as recommend efficient collection processes Training of new team members in collectionsUpdate client medical information in CRM system, Take inbound client calls regarding finance inquiriesUpsell prepaid contract packages.

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  BMO Financial Group

  • Canada
  • Financial Services
  • 700 & Above Employee

  • Loss Mitigation collector, highrisk- Cards, T&O Operations

    • Aug 2014 - Dec 2016

    • Collection, negotiation and risk analysis on delinquent high-risk cards portfolio• Designate and prepare accounts for legal process and write-off • Prepare and recommend accounts for third party agency referrals• Issue statutory declaration documents, Settlement and offer letters• Provide special payment plans to assist clients in financial hardships • Collaborate with third party agencies for occupancy requests and report follow-ups. • Liaises with internal and external business partners (lawyers, agencies, property management companies)• Utilization of bank external tools such as Teranet to execute property searches• Timely Execution of special projects and assignments• Create summary reports of monthly statistics and analysis of results for management review; utilizing Microsoft Excel and other business application software.• Car loan account management, Mitigate risk and make Repo recommendations• Foster an environment of continuous improvement and encourage the team to identify process improvements/new ideas, and adopt best practices.• Identify emerging trends that highlight potential impacts to the operating environment and Recommend solutions to mediate escalations• Mitigation of reputation risk and financial loss against such things as fraud by ensuring compliance with bank policy and procedures within the operating unitKey Accomplishments:• Lead BMO Diversity committee, Diversity Newsletter Designer/Editor• Q3 Spotlight Award 2015• Risk Reports: MasterCard & Recoveries charge-offs TSYS System call center trainer• Top BRAVO Quarterly Performer Q4, November 2013• Top BRAVO Quarterly Performer Q1, February 2014 . • Review, Develop, Mapping and Implement of standard operating procedures for process improvement

  • Account Manager, National Account Management & Risk Enterprise

    • Apr 2009 - Aug 2014

    Collection and negotiation on delinquent and over-limit national portfolios:personal loans,credit cards,mortgages,lines of credit. Analyze credit, identify potential risks to the bankProcess account holds/blocks, and funding account offsets as per P&PDesignate high risk accounts for further litigation process or charge-off. Mediate settlement offers as per Bank P&PManage discrepancies to ensure resolved in timely mannerResearch and document customer financial claims and liability contracts. Organize and broadcast bulletins to transits on customer status. Submit customer claim information into bank-central systems Create summary reports of monthly statistics and analysis of results for management review; utilizing Microsoft Excel and other business application software. (e.g Outlook, Excel, Publisher,Word)Provide recommendations for course of actions and changes in procedural policy. Document customer case processes and procedures for audit records.Initiate possible leads(cross-sell) of debt accounts for restructuring group opportunitiesBMO Annual United Way Campaign Ambassador 2013TSYS call center trainer and ambassadorProficient with CACS, TS2, PATHWAY, NCCS, CCAPS,MDIF, TERANET, WEBIR, ASPECT

  • Investigator, National Account Management & Risk Enterprise Unit

    • Dec 2008 - Apr 2010

    (Contracted) Investigate, analyze and document personal Mastercards entering collections 30 - 60 day cycle. Trace clients using various internal/ external channels and resources. Document and obtain credit bureau info on accounts in compliance with P&P. Prepare charge-off and high risk recommendation on accounts over 60 days.

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  Williams-Sonoma, Inc. Pottery Barn Kids

  • Sherway Gardens, Mississauga

  • Sales Associate (p/t Seasonal)

    • 2007 - 2010
    • Sherway Gardens, Mississauga

    Sales; including national phone sales and transactionsSetup and maintain store displaysInventory Setup and schedule deliveriesSpecial Orders

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  Citi (cards)

  • Mississauga, Ontario

  • Customer Service Representative

    • 2005 - 2007
    • Mississauga, Ontario

    In-bound call center; directing and supporting client inquiries.Providing financing solutions on re-payment termsUp-selling and referrals to company branches and alternative channelsManage and document client data base for audit purposes

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  Vila Verde Financial Solutions

  • Toronto, Ontario

  • Legal Assistant (co-op/intern)

    • 2004 - 2005
    • Toronto, Ontario

    Follow up with Appeal tribunals (WSIAT)to update case activity and status. Advise customers of legal responsibilities under supervision of legal representatives. Manage legal partners, casework, scheduling, and court session appearances and answer client inquires. Analyze and summarize client medical and legal reports for tribunal revision. Administrative assistance and office duties including dicta, transcriptions and written correspondence.Update and Maintain WSIB reports and procedure guidelines and Quality assurance.

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  BMO, Account management Unit

  • Bankruptcy Support Officer (contract)

    • Apr 2003 - Jul 2004

    Manage Bankruptcy PortfolioResponsible for processing bankruptcy accountsDelegate with trustees on bankruptcy claims & issuesIssue proof of claims forms to Trustees throughout CanadaMaximize on dividend return.Support Senior Bankruptcy Manager with Mortgage proposalsSkiptrace and investigations

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  The Home Depot Canada

  • Castlefield location, Toronto

  • Customer Service, Order Desk (p/t)

    • Jan 1998 - 2001
    • Castlefield location, Toronto

    Sales supportAdministrative AssistanceUpdate and process special orders, rentals and delivery schedulesProcess credit applications and account paymentsCover and maintain other department schedulesMaintain communications between store and merchant vendors

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  McDonald's Corporation (mac-a-tac Enterprise Ltd.)

  • Toronto, Ontario

  • Team Leader

    • 1995 - 1998
    • Toronto, Ontario

    Support management with schedules, relief of breaks, store closure and opening operations at various franchise locationsBank deposits, hourly sales forecast reports, balance registers, training of new staff, store health and safety team member.