Resume for Melinda G. for Other / Financial Services in Irving, Texas
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A Credit/ Collection Analyst with over years of commercial credit experience. Indepth
knowledge of cash application and invoice billing as well as evaluating and completing Credit
Risk Assessments utilizing Dun & Bradstreet. Highly effective communicator and negotiator
regarding client account credit terms. Proven ability to manage and maintain over active
accounts averaging over $. million and with a past due range from days. Consistently
exceeds monthly collection goals and capable of working with little or no supervision. Additional
< Problem Solving & Analysis
< Documenting & Recording Data
< Policy & Procedures
< Credit Risk Assessments
< Sales Force
< Microsoft Dynamics
< Lawson S Portal Software System
< MS Word/Excel/Outlook
< SAP Software
< Get Paid
< Image Now
LAWSON SOFTWARE, Irving, TX
Credit/Collection Analyst, Accounts Receivables
< Managed an AR portfolio of Business Commercial accounts.
< Reviewed customer financial statements and other information to assess the risk of customer
< Collected accounts receivables to ensure timely payment from customers.
< Investigated and resolved disputed accounts receivable, estimating requirements and
reporting to management the status of accounts.
< Analyzed accounts receivable portfolio to determine potential writeoffs and establish
< Effectively communicated account information to corporate management.
< Reviewed and completed Credit Risk Assessments utilizing Dun & Bradstreet.
< Ensured that all collection targets were met or exceeded.
< Worked remotely from home office.
Commercial Collector, Accounts Receivables – HealthVision Solutions
< Collected and managed AR Portfolio of approximately Commercial accounts.
< Reviewed commercial customer files to identify and select delinquent accounts for
< Evaluated customer records and recommended payment plans based on length of
delinquency, payment history, and purchases activity.
< Located and notified customers of delinquent accounts by email or telephone.
< Negotiated with customers by telephone to determine reasons for overdue payment and to
review the terms of sales, or credit contract.
< Advised customers of necessary actions and strategies for debit repayment.
< Recorded information about financial status of customers and status of collection efforts,
billing adjustments, overpayments, chargeoffs, and cash application through Microsoft
Dynamics and Lawson Software.
< Generated financial ratios using Excel Spreadsheets, to evaluate customer’s financial
BELL SPORTS c/o CREDIT ALTERNATIVE AGENCY, Dallas, TX
Credit Analyst, Accounting Department
< Operated SAP Accounting Software to update and maintain client accounts.
< Located and monitored overdue accounts, using computers and variety of automated
< Adjusted accounts by processing Debit and Credit Memos.
AAA of TEXAS, Irving, TX
Customer Service Specialist in Membership Services
< Retrieved inbound calls in a high volume Call Center regarding client Membership.
< Processed Membership Applications and offered additional AAA products and services.
< Approved and processed membership payments.
KPMG Inc., Dallas, TX
< Contacted customers to research reasons for overdue payments and review terms of credit
< Accessed computerized financial information to generate copies of customer invoices.
< Distributed AR Spreadsheets to Project Managers and Sales Agents.
< Assisted with clerical duties and participated in special projects.
JAYHAWK ACCEPTANCE, Dallas, TX
Consumer Finance Collector
< Made outbound collection calls to consumers of Automobile Financing.
< Researched and traced delinquent customers to new addresses by inquiring at post offices,
telephone companies, credit bureaus, or through careful questioning of family and
< Maintained credit approval notices.
GREYHOUND LINES INC., Dallas, TX
< Administered collection calls from AR Aged Report using Oracle accounting system.
< Consulted with customers to resolve complaints and verify financial and credit
< Negotiated and implemented payment schedule, analyze past due for bad debit trends.
< Developed and maintained spreadsheet that showed the billing cycle of AR clients.
< Expedited delinquent notices as well as closing of account letters.
< Provided AR data of accounts placed on hold due to day delinquent.
< Answered customer correspondence and wrote reports, sorted and filed correspondence.
Eastfield CollegeDCCCD, Mesquite, TX
Miami University, Oxford, Ohio
Credit and Collections Professionals
National Association of Credit Management – Southwestern Location
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