Plans, organizes and directs activities of the domestic and/or international credit and collections team function and staff. Coordinates predictive modeling and analysis to rate the collectability of overdue accounts, to segment portfolios, and to allocate resources accordingly. Responsible for building differentiated recovery approaches for various segments of delinquent accounts. Directs the credit and collections of domestic and international accounts by interfacing with internal and external contacts to resolve problems regarding outstanding accounts receivables, customer complaints, and credit evaluation of new and existing customers. Established and maintains excellent working relationships with customer base, Banks, other organizations for trade references and credit agencies. Maintains and ensures continued compliance to company and regulatory laws, policies and processing guidelines, identify, correcting and/and reporting all related non-compliance and fraudulent activity.

Pro-actively promote profitable sales growth through secured transactions, assess and manage credit risk by reviewing financials and credit reports, extend credit to customers in accordance with company policy, monitor and update credit information to existing customer base, manage AR portfolio through direct involvement with customers and internal resources, negotiate and secure arrangements for payment with delinquent accounts, minimize and maintain bad debt exposure while helping maximize profitable sales, corporate reporting and forecasting, make customer and branch visits as needed, regularly use third party collections, as well as issue liens and approve bonds when needed. Laid off in 2019.

Managing Accounts Receivable, Credit, Collections and Customer Service functions of the company for North and South America as well as Ireland. Responsibilities include research and resolve difficult account situations, maintain internal controls to reduce credit risk, analyzing financial statements, establishing credit limits, cash flow analysis and forecasting, controlling bad debt exposure and expenses, maintaining allowance for doubtful accounts, general ledger posting, monitoring all accounts for signs of instability, establish and maintain corporate credit policy based on new rules and regulations for domestic and international credit, training of sales representatives / customer service / logistics and order management on credit policy, assist legal on collection strategy, negotiating account balances for repayment, billing, working with outside collection agencies, following all consumer and commercial credit laws, ensure all contracts are up to date, account review, meet with division managers and executives weekly, obtain security interest when necessary such as letters of credit and personal guarantees, regularly negotiate sales contract and credit terms. Established first Credit Department in Yanmar’s history. Project lead in implementing EDI globally. Oracle super user, providing technical support for Oracle issues company wide. Surpassed key performance indicators as set forth by management while keeping receivables 90% within 30 days past due across all divisions.

Analyze credit risk and viability of potential and existing customers. Duties included establish credit limits, financial statement analysis, gathering credit applications and referrals, account reconciliation, cash application analysis and research to minimize dispute and uphold effective payments, coordinating collection calls and documented origin of unpaid statements as well as negotiating account payments, working with outside collection agencies, following all laws of consumer and commercial credit, weekly meetings with managers and sales representatives.

Supervised staff of 10 customer service representatives for tax support software and help desk resolution. Initiated team building strategies by mentoring and training new and existing employees, dispute resolution, scheduled staff to accommodate peak periods of call volume, researched and implemented time saving techniques to reduce hold time, researched accounts and determined corrective resolution, handled and resolved all escalated calls.

Managing full cycle Accounts Receivable, Credit and Collection functions Financial analysis, establishing credit limits and account set up procedures, credit checks, cash application, billing; processed invoices manually and via EDI, customer service, researching disputed accounts, setting credit and collection policy based on company goals, general ledger account reconciliation, filing, collections, negotiating legal and account balances, calculated brokerage commissions, assisted Customer Service as needed.

Working within the Tax Commissioners office for delinquent taxpayers. Oversaw collection procedures for delinquent taxpayers. Instigated and performed all tasks associated with the sale of property due to serious delinquency, posted and mapped properties, completed files for each property sale, worked with external collection agency, compiled spreadsheets, balanced registers and distribution totals, account reconciliation, assisted customers with property tax or real estate account issues, accounts payable, accounts receivable, reviewed and processed over sixty million dollars in transactions per year.

Received inbound calls regarding billing issues, new service, disconnects, and past due notices. Also assisted office as receptionist and mail room coordinator. Helped managers with daily tasks for training department and correspondence department. Chosen to serve on United Way board within GNG, creating new ways to raise money for the charity to make a difference in the community.

Supervised 50 SCANA Energy call center customer service representatives to ensure procedures and goals were met, scheduled staff, monitored all calls for quality assurance and resolved escalated account situations. Initiated ongoing team training and helped reduce call and hold times. Assisted with answering incoming queue, overrode accounts to make corrections and researched billing system to help with issue resolution.