Antonia (Toni) Lopez, Cba/Cbf Email & Phone Number

Houston, Texas Area

Initiated corporate-wide programs, including A/R collection with an average daily receivable of $130M and implementing credit Policy and Procedures while minimizing work flow and operational interruptions. Negotiate the resolution of collection matters with customers, engaging sales, third-party collection agencies, insurance company and legal counsel.Key Accomplishments:◆ Maintain more than 7000 accounts totalling $896 Million in yearly sales.◆ Analyze creditworthiness and limit our exposure on high risk accounts in order to consistently ensure a low amount of writeoffs and loss of income; Have received multiple accolades from CFO because write-offs are consistently a fraction of total on the bad debt reserve.◆ Collaborate with a large collections insurer on claims and collections submitted; resulted in recovering 90% of the submitted claims in 2015. ◆ Create and manage strict guidelines and processes for staff resulting in a 99% accuracy ratio for cash application and dramatically less unapplied cash issues.◆ Create and lead a strategic process of prioritizing outstanding accounts, resulting in bringing the over 60 days from 6% down to 2%◆ Develop credit and collection organization of 5 Regional Credit Managers through on-going coaching, goal-setting, performance management, and training.Specialties: ✔ Credit Risk Assessment ✔ Account Management ✔ Accounts Receivable ✔ Financial Analysis ✔ Team Management ✔ Project Management ✔ Credit Insurance ✔ Spanish Fluency ✔ Policy/Procedure Development ✔ Accounting ✔ Customer Service ✔ DSO/Targets Review Risk Assessment ✔ Past-Due Balances ✔ Strong Communication Skills ✔ Billing Collections ✔ ASW ✔ Cross-Functional Expertise ✔ Commercial Collections ✔ AR Reporting

Houston, Texas

Supervised all aspects of A/R collection (average daily A/R of $38M), cash application, and dispute reconciliation. Elevated credit department reputation for integrity and productivity. Contributed to successful audit results.Key Accomplishments: ◆ Managed the collection of A/R totaling $ 35 Million for 8 of our branches (3 in US and 5 in Mexico). ◆ Oversaw the on-going credit stability of established accounts; created processes and procedures to ensure long term clients are keeping their account current and to manage overall A/R more efficiently. ◆ Processed Credit Applications and extended terms and set credit limits based on financial analysis. ◆ Made collection calls and sent out 10 Day Demand Letters to negotiate payment plans, all while developing and maintaining good customer relations.◆ Supported and worked closely with Domestic & International Branch General Managers and National Accounts Manager in areas of monthly A/R and invoicing. ◆ Scrutinized systems and processes, inspiring an attitude of integrity and control consciousness at all levels of the company; creating and submitting weekly and monthly A/R reporting to CFO.Specialties: ✔ Accounts Receivable ✔ AR Reporting ✔ Credit Risk Assessment ✔ Account Management ✔ Financial Analysis ✔ Team Management ✔ Project Management ✔ Credit Insurance ✔ Spanish Fluency ✔ Policy/Procedure Development ✔ Accounting ✔ Customer Service ✔ DSO/Targets Review Risk Assessment ✔ Past-Due Balances ✔ Strong Communication Skills ✔ Billing Collections ✔ ASW ✔ Cross-Functional Expertise ✔ Commercial Collections

Houston, Texas

◆ Managed the Delphi National Account with a portfolio of $15 million and consisting of over 40 plants nationwide.◆ Liased with Victory branches and Delphi Corporation Finance Team. ◆ Collaborated with 15 Victory Branch Presidents, sales staff, and A/R clerks regarding billing, adjustments, credit memos, and write-offs.◆ Supervised a team of 3 staff (cash applications, collections, research, & aging reports). Specialties: ✔ Accounts Receivable ✔ AR Reporting ✔ Credit Risk Assessment ✔ Account Management ✔ Team Management ✔ Project Management ✔ Credit Insurance ✔ Spanish Fluency ✔ Accounting ✔ Strong Communication Skills ✔ Billing Collections ✔ Cross-Functional Expertise ✔ Commercial Collections ✔ Customer Service ✔ Past-Due Balances

Houston, Tx

◆ Processed credit applications, extended terms, and set credit limits base on credit information obtained.◆ Set guidelines required for our customers to be eligible for credit terms.◆ Responsible for commercial collections, send out 10 Day Demand Letters, negotiate payment plans.◆ Supervised a team of two assisting with cash applications, billing, credit memos and research.◆ Prepared daily bank deposits and reconciled petty cash.◆ Oversaw and ensured the timely preparation and submission of monthly customer statements.◆ Reconciled accounts and assisted Sales Representatives with management of their accounts and resolving issues.Specialties: ✔ Credit Risk Assessment ✔ Customer Service ✔ Past-Due Balances ✔ Accounts Receivable ✔ AR Reporting ✔ Account Management ✔ Team Management ✔ Project Management ✔ Credit Insurance ✔ Spanish Fluency ✔ Accounting ✔ Strong Communication Skills ✔ Billing Collections ✔ Cross-Functional Expertise ✔ Commercial Collections

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