Credit managers are accountable for the overall credit granting process of the company. To perform this basic function, the credit manager also executes the attached roles and responsibilities such as – credit reviewing of existing customers, assessing creditworthiness, optimizing a mix of company’s sales and bad debt loss; researching the creditworthiness of customers, creating credit scoring models, setting interest rates, negotiating loan terms, monitoring payments, maintaining record of loan applications, ensuring the loan procedures comply with standard regulations.
Aspiring credit managers must have a very good knowledge of credit-related laws, be willing to travel to customer’s location for conducting negotiations, possess hands-on experience on lending procedures, and have a solid understanding of the lending process. A college degree in accounting or economic discipline with years of experience in the credit scoring system is normally seen on the Credit Manager Resume.
Objective : Detail-oriented Credit Manager with expertise in financial analysis and credit risk management. Successfully led initiatives that improved collection efficiency by 40%, contributing to overall revenue growth.
Skills : Microsoft Office, Hr Policies & Procedures, Debt Collection, Credit Policy Development
Description :
Responsible for store manual credit applications.
Responsible for allocating customer accounts, credit reporting, and maintenance.
Trained associates on web access and payment recording.
Responsible for assuring punctual and efficient customer service for Firestone stores and customers, (for their accounts).
Developed and standardized written policy documentation related to the credit and customer set up process.
Interface with sales organization to communicate credit decisions and ensure timely review of new customers.
Made credit decisions within assigned authority.
Planned and organized activities of credit / customer set up team to ensure file reviews are completed timely / accurately.
Experience
0-2 Years
Level
Entry Level
Education
B.S. Finance
Assistant To The Credit Manager Resume
Objective : Credit Manager is responsible for credit review and approval of the companys customer credit card applications. This includes reviewing customer credit history, financial status, and collateral, and making recommendations to the Companys Credit Committee. This position is also responsible for billing, collections, and cash management.
Skills : Microsoft Office, Social Media Managment, Customer Service, Attention to Detail, Accounts Receivable, Credit Risk Assessment
Description :
Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
Generate financial ratios, using loan processing software, to evaluate customers' financial status.
Prepare reports that include the degree of risk involved in extending credit and loan approval amounts.
Consult with customers to resolve complaints and verify financial and credit transactions.
Complete refinance mortgage and auto loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
Confer with credit association and representatives to exchange credit information.
Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
Experience
2-5 Years
Level
Executive
Education
B.S. Finance
System Administrator/Credit Manager Resume
Summary : Detail-oriented System Administrator and Credit Manager skilled in managing IT infrastructure and credit assessments, successfully improving system uptime by 25% and reducing credit risk through effective monitoring and analysis.
Skills : Microsoft Office, Filing, Management, Troubleshooting, Service
Description :
Reviewed credit applications, financial statements, and credit history of customers for extending lines of credit.
Maintained accounts receivable in excess of 100 million dollars by resolving disputes, and liaising with customer accounts to collect accounts receivables.
Arranged for, and picked up checks and cash when necessary, from customer's places of business.
Coordinated with the sales department and upper management, making every effort to maintain the goodwill of our customers in extending lines of credit or collecting accounts receivable.
Attended monthly industry credit meetings all over the United States in an effort to gather information to assist in credit making decisions.
Visited customer account representatives or owners; to gather financial and company information to help in credit making decisions.
Prepared and presented monthly and year-end reports.
Experience
7-10 Years
Level
Management
Education
B.S. IT
Regional Credit Manager Resume
Summary : Results-driven Regional Credit Manager with over 10 years of experience in credit risk assessment and management. Proven track record of reducing delinquency rates by 25% while enhancing customer relationships and driving revenue growth.
Managed all new contractor accounts by processing applications and researching personal and business credit history to determine account terms and credit limits.
Reviewed accounts and contacted customers to determine payment arrangements or credit holds.
Filed bond claims on uncollectable accounts to guarantee payment from contractors bond.
Reconciled customer account discrepancies to determine balance owed on accounts and open invoices to collect on past due accounts.
Processed all month end reports required before closing end of month and generated monthly statements.
Researched information required to obtain lien rights required by abiding states construction law to process Notice Of Right To Lien to property owners and general contractors.
Generated all Notice of Right To Lien and approved for mailing.
Experience
10+ Years
Level
Senior
Education
B.S. Finance
Assistant Credit Manager Resume
Objective : Results-driven Assistant Credit Manager skilled in evaluating creditworthiness and managing accounts receivable. Successfully implemented a new credit scoring system that improved approval times by 30%, enhancing customer satisfaction.
Skills : Microsoft Office Suite, Customer Relationship Management, Financial Forecasting, Data Analysis, Regulatory Compliance
Description :
Managed the company's 3 billion annual accounts receivable portfolio.
Oversaw the credit staff in their collection activities and cash application.
Analyzed customers' financial documents for creditworthiness and set appropriate limits and terms for the customer.
Worked closely with the sales staff in developing a high-quality customer base.
Assisted in the improvement of the company's credit policy and procedures manual.
Problem solved the short pay/chargeback issues with the inside sales and quality control departments.
Successfully reduced past dues over 30 days from 4% to .1 % during my tenure.
Experience
2-5 Years
Level
Executive
Education
B.S. Finance
Area Credit Manager Resume
Summary : A results oriented, versatile, and creative leader with over twenty years accounting experience. Strengths include management skills, problem solving, analysis, research, and organization. Areas of expertise include Accounts Payable, Accounts Receivable, General Ledger, and Credit and Collections. Ability to develop improved methods, solve complex problems, motivates others and strong people skills.
Supervised five Accounts Receivable Associates in three locations in North and South Carolina area.
Served as Credit and customer support for accounts receivable personnel and sales staff.
Directed cash posting and billing process.
Established credit lines for existing and new clients.
Collected amounts billed to clients including interaction with attorneys and court system.
Resolved client billing and dispute issues.
Maintained Cash Flow, DSO's and Reserves at established company standards.
Experience
10+ Years
Level
Senior
Education
B.S. Finance
Credit Manager/Credit Analyst Resume
Headline : Results-driven Credit Manager with over 8 years of experience in risk assessment and credit analysis. Proven track record of reducing delinquency rates by 30% through effective credit policies and customer relationship management.
Skills : Microsoft Office, Account Management, Accounting, Communication Skills, Strategic Planning
Description :
Maintained credit files and customer relationships during prolonged sale of Heartland Bank.
Perform ad hoc requests from management and other administrative functions as assigned.
During prolonged sale, the credit files were audited 7 times between various audit groups without significant issues noted.
Complete ongoing projects to enhance the risk and control environment in the Bank.
Ability to interact professionally and communicate clearly, both verbally and in writing with management to obtain information, respond to inquiries, analyze documentation and resolve issues.
Demonstrated analytical, organizational and problem solving skills and the ability to manage numerous project and work processes.
Ability to work independently and within a team environment to meet section goals and deadlines.
Experience
5-7 Years
Level
Executive
Education
B.S. Finance
Credit Manager/Assistant Branch Manager Resume
Summary : Operational and Sales Manager with over 15 years of experience in sales, collections, account management and operations management. I am a proven leader with a reputation for effective team management, training and increasing sales and profits.
Responsible for doing cost analysis during the bid process before sending bids to customers.
Responsible for researching contractors for creditworthiness before bidding on any of their invitations.
Responsible for gathering information monthly in order to get draws out in a timely manner according to each contract.
Responsible for collecting all monies due for the previous month's draw.
Responsible for all legal documents and notices on each contract individually.
Responsible for helping with Accounts Payable when needed.
Responsible for end-of-month reports and adjustments, making sure financial statements are correct and working with the controller on any recurring problems.
Experience
10+ Years
Level
Senior
Education
B.S. Finance
Corporate Credit Manager Resume
Headline : Dynamic Corporate Credit Manager skilled in developing and implementing credit strategies that enhance profitability. Successfully managed a portfolio of $500M, achieving a 25% increase in credit approval rates while minimizing risk exposure.
Accounts Receivable - Monitored aging of accounts and posted payments.
Identified, addressed and resolved issues or situations which may have caused past due conditions on customer accounts.
Worked with customers regarding payment plans to assure money was collected.
Followed through to make sure money was retrieved.
Reviewed customer credit applications and determined credit limit approvals or denials from Sales Team recommendations.
Communicated with Sales regarding specific situations and/or general collection issues.
Responsible for resolving delinquencies, short payments, and disputes in a timely fashion.
Experience
5-7 Years
Level
Consultant
Education
B.S. Finance
Divisional Credit Manager Resume
Headline : Experienced Department Manager in the general business and healthcare industry whose specific areas of expertise include: Staff development, training, staffing, customer service, organizational and operational skills, medical billing and coding(UB and 1500 claim forms FQHC/CHC billing), contract and claims management, account receivables and payable. HR duties include hiring/terminations, training and development, payroll (ADP, Oracle and Ultipro), employee relations and performance and improvements.
Assure timely collection of money due to the corporation.
Monitor and report on deviations from contractual payment terms.
Manage cash application making sure all cash receipts are applied properly.
Make recommendations to improve quality of invoicing and collection procedures.
Weekly reporting of invoicing totals/aging totals/cash receipts/invoice adjustments.
Assist Finance with preparation of journal entries account reconciliation and analysis through Oracle database Managing the credit management function and overseeing the credit control function.
Managing relationships with the clients in order to reduce exposure to potential bad debt Preparation of weekly cash forecasts including customer collections.
Experience
5-7 Years
Level
Executive
Education
BS Finance
General Credit Manager Resume
Headline : Twenty years of experience in the credit/lending industry including credit decisions, asset repossession, and personnel management Ten years as a Credit and Collections Manager Strong ability to interpret financial statements for purpose of determining credit worthiness Ability to manage a highly productive team of credit and collections staff Ability to communicate, multi-task, respond to emergencies and react to the situation at hand Capacity to manage complex and high volume of work flow.
Skills : Microsoft Word, Mail Distribution, Phone Etiquette, Collections Management, Data Analysis, Team Leadership
Description :
Improve the Quality of Life of our customers by giving them the chance to own brand-name furniture, electronics, appliances and computers without the hassle or burden of credit cards.
Delivering and setting up products in customers' homes.
Using our collections program to ensure timely customer payments.
Servicing, picking up and refurbishing customer's product.
.Implemented a new credit scoring model, increasing approval rates by 20% while maintaining risk levels.
Conducted risk assessments that identified potential losses, leading to a 30% reduction in bad debt write-offs.
Negotiated payment terms with clients, improving cash flow by 18% and reducing days sales outstanding (DSO).
Experience
5-7 Years
Level
Consultant
Education
B.S. Finance
Chain Store Credit Manager Resume
Objective : Detail-oriented Chain Store Credit Manager with a proven track record in developing credit policies that align with corporate goals, leading to a 40% increase in credit approvals and a significant reduction in processing time.
Skills : Sales, Customer Service, Business Analysis, Business Development, Credit Policy Development
Description :
Responsible for the collection effort of the company to ensure that corporate accounts are maintain within contractual agreed upon time.
Made weekly collection calls to past due corporate accounts based upon a generated delinquency list.
Researched customer account using database software (Procon, Z-net, Oracle, and Command) to pinpoint any customer or company discrepancy concerning a client's account.
Prepared and modified company spreadsheet for delinquent customer's Reviewed and provided credit references about our clients to other firms looking to establish credit with client.
Evaluated and modified companies financial statements for delinquent customer's that were sent to the attorney for litigation.
Assisted auditors in the research of company records for client financial and historical information.
Communicated with salesmen in regional offices on a daily basis to obtain or distribute information.
Experience
2-5 Years
Level
Executive
Education
BS Finance
Sales Representative/Credit Manager Resume
Headline : Results-oriented Sales Representative and Credit Manager skilled in developing strategic sales plans and managing credit portfolios. Achieved a 30% increase in sales while reducing delinquency rates through effective credit management.
Skills : Microsoft office, Communication Skills, Financial Modeling, Market Research, Strategic Planning
Description :
Minimize bad debt risk, through the use of D&B, Experian, and NACM credit reports for establishing proper credit lines.
Handle customer credit lines and risk management.
Review order management queue for the timely release and management of customer orders.
Responsible for the training and performance of the collection group assigned to each region.
Market, train, counsel, advise, and communicate credit department policy and procedures to company personnel.
Built collection reports to ascertain the status of collections and balances outstanding, and evaluates the effectiveness of current collection policies and procedures.
Supervises the accounts receivable staff in processing invoices to establish the company's receivables and works with Customer Service and other departments to resolve any outstanding issues.
Experience
5-7 Years
Level
Consultant
Education
B.S. Finance
Credit Manager/Assistant Store Resume
Headline : Smart, ambitious, self-directed, dependable professional has settled in Jacksonville with a wonderful wife, new home and no drama. Seeking to translate a 10+ year career of leadership and expertise in finance to an opportunity with a stable company who shares a desire not only for growth, but prosperity shared with our community.
Analyze credit reports, employment and financial information on prospective applicants.
Evaluate collateral & negotiate loan terms within program guidelines.
Experience
5-7 Years
Level
Consultant
Education
B.S. Finance
Credit Manager Resume
Objective : Dynamic Credit Manager skilled in developing and implementing credit strategies that enhance cash flow and minimize risk. Achieved a 25% increase in credit approval rates while maintaining a low default rate.
Monitor the special billing arrangements for groups and conventions as required to ensure that postings are in line with customer requirements and the company's standards.
Post, edit, and balance accounts in the accounts receivable ledger.
Prepare daily and monthly rebates for all clearing accounts.
Liaise with reservations, sales, and banquet departments regarding all disputed accounts.
Reconcile all credit card charges and payments, as well as checks, wires, and cash payments, daily.
Respond to customer inquiries as required, providing excellent customer service.
Attend to daily meetings, pre-conventions.
Maintain the corporate credit policy, negotiate payment programs with delinquent customers, and manage customer credit files.
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