Credit Analyst 2

• Jan 2022 - Present

Risk Management Analyst | Credit Analyst

• Apr 2007 - Jun 2021

Analyzed commercial customer financial metrics to ascertain level of risk involved to extending credit and defend accounts receivables of $289M against bad debt. My position was eliminated and moved to the risk team, whom I trained, located in Manila, Philippines. * Completed monthly financial reviews to assess financial conditions to increase or lower credit limits, allowing orders to flow or be monitored to verify invoices are paid. * Formulated prudent commercial credit decisions averaging less than 3 hours based on payment experience, internal and external research. * Collaborated and communicated daily with account specialists and sales team to resolve invoices prior to applying shipment holds and optimize cash flow. * Assessed annually customer credit files to review assigned credit limit based on receivables and open backlog. * Researched and linked companies with subsidiaries to credit check parties assigning one proper credit limit to avoid exposure. * Delivered in-depth, personal training sessions to 22 employees in-person and via WebEx / Jabber systems to improve sales volume and support business units. * Produced written and visual step-by-step procedures for fellow co-workers to assist in knowledge and training for 7 non-Oracle business systems. * Ensured 100% of new customer setups were entered with proper payment term, credit limit and linkage in Oracle and credit catalyst system. Negotiated payment term with customer and sales representative. * Avoided future bad debt when research determined 2 new businesses were incorporated under similar names. * Accomplished as a team two new scorecard credit limit projects by researching and determining best Dun and Bradstreet credit metrics as key indicators of customer slow payments. Show less

Dealer Credit Analyst

• Jan 2004 - Feb 2007

Completed annual financial reviews to establish credit limits for new and used inventory. Balanced year-end financial statements to CPA review by obtaining adjusting entry documents. Office relocated to Ford Credit's service center in Colorado Springs, for which I was unable to relocate at that time for family reasons.* Conducted Certified 6-Sigma Greenbelt annual projects to improve internal processes and expenses.* Collaborated in monthly calibration team meetings as training to apply for credit buyer position. Show less

Auditor | Wholesale Clerk | Discounter | Customer Service Representative

• Mar 1998 - Dec 2003

* Conducted dealer inventory audits and advised management of pertinent information.* Verified dealer payments and processed dealer purchases.* Booked retail and lease contracts in compliance with Truth-In-Lending Act.* Notified appropriate dealership personnel of discrepancies to ensure prompt and accurate funding.* Pursued collections against delinquent borrowers and negotiated payment arrangements.