Michael Ciccone
Credit Analyst at First Commerce Bank- Claim this Profile
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Bio
Credentials
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Certified Pharmacy Technician
PTCBNov, 2013- Oct, 2024
Experience
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First Commerce Bank
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Banking
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1 - 100 Employee
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Credit Analyst
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Dec 2016 - Present
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. ● Prepare reports that include the degree of risk involved in extending credit or lending money. ● Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity. ● Confer with credit association and other business representatives to exchange credit information. ● Generate financial ratios, using computer programs, to evaluate customer’s financial status. ● Review individual or commercial customer files to identify and select delinquent accounts for collection. ● Compare liquidity, profitability and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations. ● Consult with customers to resolve complaints and verify financial and credit transactions. Show less
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Supervising Pharmacy Technician
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Jan 2014 - Mar 2017
• Oversaw start and development of new department, reducing costs by roughly fifty percent, while increasing productivity by fifty percent. • Developed and promoted training technique to ensure all employees adherence to best practices and maintain a high level of accuracy and speed. • Analyzed numerous reports to assist in the reduction of operating costs by thousands of dollars to ensure an increase in profits, while still maintaining a high level of operating efficiency. • Collaborated extensively with other employees to ensure all customers receive exceptional customer service, in a timely manner. Show less
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Pathmark Stores, Inc.
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Retail Groceries
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700 & Above Employee
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Pharmacy Technician
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Jul 2008 - May 2014
• Entered upwards of seventy-five or more prescriptions daily into pharmacy’s proprietary computer system, while ensuring a strict attention to detail simultaneously. • Processed and submitted all entered prescription claims to insurance, guaranteeing accurate billing, while adhering to established billing regulations. • Evaluated and assisted in resolution of insurance claim disputes and audits, preserving customer confidentiality at all times.
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Sales Clerk
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Nov 2006 - May 2014
• Processed and reconciled numerous change orders, loans, and payments received, while maintaining a high level of organization.• Received and verified payments of hundreds of dollars daily and maintained strict attention to detail, while emphasizing customer satisfaction. • Assisted with scheduling to promote efficiency while ensuring costs were kept to a minimum.
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Education
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2010 - 2012
Rutgers University
Bachelor of Science (BS), Economics -
2008 - 2010
Ocean County College
Associate of Arts (A.A.), Liberal Arts and Sciences/Liberal Studies
Community
