Credit Representative Resume Samples

A Credit Representative is hired to determine the amount of risk pertaining to lending money to an organization or individual. The common duties highlighted on the Credit Representative Resume are – examining credit data and financial statement of the company or client, determining the degree of risk involved in it, collecting client information, writing credit information report, and assessing the customer financial status.

The ideal candidate willing to pursue this career should mention on the resume skills such as – very good knowledge of lending procedures, critical thinking abilities, computer competencies, detail orientation, the ability to maintain an interpersonal relationship and staying updated with relevant job knowledge. A bachelor’s degree or an associate’s degree in the field of accounting, finance or business management is commonly accepted among employers. Training in this field is normally recommended for this career.

 

Credit Representative Resume example

Credit Representative Resume

Summary : Excellent experience working in a call-center environment and supporting customers over the phone, email and mail correspondence. Utilized fax, email, copier, switchboard, and computer with the TMS operating system to process customer and designer orders efficiently.

Skills : Microsoft office.

Description :

    1. Customer Credit Services-Medical Contacted customers, using multiple methods, to resolve outstanding balances with medical certifications, and also inform or renewals, approvals, denials, and removals.
    2. Exercised independent judgment and decision-making in planning, organizing and conducting work assignments within the guidelines of Dominion Effectively utilizes the proper resources to develop solutions and devise new approaches encountered in work assignments on medical amnesty accounts Work closely with physicians, nursing staff, and medical facilities to ensure accuracy and verify medical documents.
    3. Monitor and update medical accounts for annual renewal.
    4. Research unidentified and unusual medical conditions to determine if they qualify for Dominion's Serious Medical Condition program.
    5. Monitor, issue, and deny work orders daily for medical customers scheduled for disconnection of electricity.
    6. Negotiate, and issue special payment arrangements for customers in the Serious Medical Condition Program that would normally be outside company procedures.
    7. Work closely with Supervisors and Upper Management to discuss business and revenue strategies to improve revenue collection within the Serious Medical Condition program.
    8. Input data into a spreadsheet, and update database monthly of approvals, denial, and removals for review by management and The State Corporation Commission.
Years of Experience
Experience
7-10 Years
Experience Level
Level
Management
Education
Education
High School Diploma


Account/Credit Representative Resume

Summary : Dependable team member with an outstanding work ethic. Highly motivated self-starter able to maintain an optimistic outlook while working effectively in a fast paced environment. Eager to bring my current expertise to a new establishment. Areas of strength include: Accounts Receivable Invoicing Collections Customer Service Running Credit Muliti tasking Communication Records Management Prioritization Scheduling.

Skills : Microsoft Office, Excel, Word, 10 key, able to handle multiple projects.

Description :

    1. Responsible for all credit and collection activities for an assigned group of national accounts.
    2. Communicated with national account customers in order to resolve any billing issues and collect past due invoices .Communicated with member personnel in order to provide credit and billing instructions, and to resolve any billing or collection issues .Documented credit and collection activity for each national account and individual customer location.
    3. Regularly updated management on key delinquent accounts.
    4. Evaluated credit worthiness of individual account customers.
    5. Communicated with Network sales and customer service departments on any sales, service, billing or collection issues that impact overall national account programs.
    6. Key Accomplishments: Communicated with customers to resolve any billing issues which included reconciling accounts.
    7. Successful in maintaining monthly collection goals.
Years of Experience
Experience
7-10 Years
Experience Level
Level
Management
Education
Education
BS In Finance


Sr. Credit Representative Resume

Summary : Experienced and customer focused collections professional with excellent interpersonal skills and a history of working through diverse challenges. Lowered total outstanding client debt at Eastman by 5% above mandated goal within 6 months. Skillful employee with the ability to work in highly stressful and fast paced environments. Accomplished communicator and quick learner, who is frequently solicited to coach others in new job responsibilities.

Skills : MIcrosoft Office, SAP, Sharepoint.

Description :

    1. Daily review of customers with aged balances and placing customers on credit hold when necessary.
    2. Prioritization of collection efforts according to the type of customer and amount owed.
    3. Work with Accounts Receivable, Customer Service, and Sales to maximize collection efforts and promptly address any customer issues.
    4. Monitor customer orders, including blocked orders and resolving any past due payments or discrepancies.
    5. Timely update of customer details and communications in credit files.
    6. Collaborate with customer support and other credit personnel to manage customer relationships for the overall benefit of the company.
    7. Perform analysis of credit checks to determine initial customer credit limit, to be set within established guidelines.
    8. Perform annual customer account audits and make updates when necessary.
Years of Experience
Experience
7-10 Years
Experience Level
Level
Consultant
Education
Education
Business Administration

Jr. Credit Representative Resume

Objective : Enterprising and technically adept bookkeeper known for accuracy, attention to detail and timeliness in managing accounting-related functions in diverse settings. Proven ability to multi-task effectively, process a high work volume accurately, execute on critical deadlines with streamlined results.

Skills : Microsoft Office, Quickbooks, Excel, Access.

Description :

    1. Assisted Credit Analyst with obtaining financial statements, credit applications, and banking information.
    2. Collected past due invoices with customers through telephone and email correspondence by use of aging reports.
    3. Managed receivables for both fresh meat and poultry accounts.
    4. Monitored customers within approved credit limits in order to release orders for shipments.
    5. Helped customers with invoice issues by working with customer service reps and claims office.
    6. Provided businesses with credit references of potential customers and provide wire information for credit department and accounts receivables.
    7. Collected invoices through wire payment, ACH payments, and overnight mail options.
    8. Used extensively SAP, Tyson 1, Receivables Edge, Outlook, Excel, and other computer systems.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Junior
Education
Education
Marketing

Credit Representative III Resume

Objective : Stable employment, good work environment for a company with driven mission statement and great business ethics to utilize, excel and maximize my experience in accounting and business management.

Skills : Notary Public 2002-Current.

Description :

    1. Compile & Analyze data from monthly reports to prepare managers presentations to directors and regional executive management.
    2. Maintain cash applications, account reconciling, charge backs and bad debt for all credit customers.
    3. Ensure compliance with current State and Federal regulations.
    4. Prepare journal entries of adjustment to billing, manage invoicing, & process billing entries to accounts.
    5. Coordinate year end close with internal and external auditors.
    6. Research & Resolve customer and vendor issues.
    7. Manage seven structure plants in the State of Ohio from corporate office Accounts Receivable - Enter, Post, Code, and Reconcile Batches.
    8. Communicate with customers regarding billing adjustments & open balance and monthly statements.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Junior
Education
Education
Certificate In Accounting

Credit Representative II Resume

Objective : Energetic and reliable Administrative Manager skilled at working with a diverse group of people. Strong organization, communication and relationship building skills. Eager to bring strong administrative skills to a growing company in need of top level support.

Skills : Sap, Microsoft Office.

Description :

    1. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    2. Prepare reports that include the degree of risk involved in extending credit or lending money.
    3. Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase act.
    4. Confer with credit association and other business representatives to exchange credit information.
    5. Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
    6. Perform credit/debit memos in SAP for price inquiry, taxes, product discrepancies etc.
    7. Prepare documents for imaging: notices, releases, intents to lien, Tax Certificates, etc.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Junior
Education
Education
Diploma

Credit Representative I Resume

Objective : To find a position where I can prove my hard working ability and contribute to the growth of the organization while gradually increasing my responsibilities in an office environment.

Skills : Microsoft Office, Excel, Power Point, SAP.

Description :

    1. Apply the company's credit and collection policies, practices and procedures to the credit requirements of designated customer accounts.
    2. Review files, reports and credit bureau documents and financial statements of customers to ensure they meet deposit requirements.
    3. Process development and implementation of credit policies/procedures.
    4. Communicate requests with management for special applications for credit that are outside of standard policies and procedures.
    5. Input proper information into systems such as SAP, WSCO, and Outlook.
    6. Analyze customer s financial situations and determine whether to extend credit beyond established policy criteria.
    7. Analyze credit risk for aggregated portfolios of customers as well as individual accounts.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Junior
Education
Education
Bachelor Of Science

Commercial Credit Representative Resume

Summary : Professional, friendly, and highly technical worker who takes a scientific approach to all tasks. Accustomed to following procedures, working in an environment that requires clean and sanitized handling of products and equipment, and maintaining a calm and polite demeanor.

Skills : Proficient In MS Office, SAP, PeopleSoft, BW- Analyzer.

Description :

    1. Long term contractor with Center Point Energy.
    2. Performed investigations on accounts in regards to credit refunds.
    3. Researched client account information using SAP.
    4. Mitigated company losses by transferring credit balances from inactive accounts to active accounts; reducing the amount of debt owed to the company.
    5. Performed investigations on accounts in regards to credit refunds.
    6. Researched all credit balance accounts and identified sources of overpayment.
    7. Completed all refund request in accordance w/ departmental policy.
    8. Processed refunds that averaging a month for customer accounts with credit accounts with balances.
Years of Experience
Experience
7-10 Years
Experience Level
Level
Management
Education
Education
Master's Of Business

Associate Credit Representative Resume

Summary : Work well under pressure as part of a team Well-groomed appearance Polite, respectful, and courteous manners Responsible, efficient, and flexible Ability to work in a fast-paced, intense environment smoothly Ability to elicit confidence and build rapport Talented in problem solving and office system design.

Skills : Microsoft Office, Excel, Power Point, SAP.

Description :

    1. Follow up with customer as needed until payment details are provided.
    2. Initiate appropriate collection action in accordance with Corporate Credit Policy (i.e.
    3. change terms, credit reduction, referral to outside collection agency, and filing of lien on aircraft).
    4. Assist with all needs of the customer in areas of the credit and dispute account.
    5. Grant credit exceptions when warranted, balancing customer service and liability to the company in the best decision.
    6. Monitor accounts for accurate application of all customer payments.
    7. Submit maintenance documentation for adjustments/corrections, as needed.
Years of Experience
Experience
10+ Years
Experience Level
Level
Senior
Education
Education
AD In Accounting

Credit Representative Resume

Objective : Highly trained commercial collections analyst with a reputation for effectively negotiating agreements, persuasively communicating with debtors, and closing deals. Well-versed in many collections techniques. Proficient in MS Office. Self motivated and result-oriented credit analyst with huge background analyzing paying habits of customers who are delinquent in payment of bills and recommending action.

Skills : Creative writing, photo shop, Sales and marketing, Customer service, Basic computer skills.

Description :

    1. Contact delinquent accounts to obtain payment commitments.
    2. Follow up on customer payment commitments to ensure a timely payment.
    3. Monitor held orders to determine if they can be released.
    4. Review Job Account Requests for completeness before submitting to the Credit Manager.
    5. Follow jobs to ensure the company does not lose lien or bond rights.
    6. Follow-up on customer claims and disputes to bring to a resolution.
    7. Monitor customer accounts for further collection action or credit line increases.
    8. Review and apply previous days On Account Payments.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Junior
Education
Education
Bachelor Of Arts

Associate Credit Representative Resume

Objective : Enterprising and technically adept bookkeeper known for accuracy, attention to detail and timeliness in managing accounting-related functions in diverse settings. Proven ability to multi-task effectively, process a high work volume accurately, execute on critical deadlines with streamlined results. Excellent analytical, research skills.

Skills : Customer Relations Or Organizational Skills Performs Task In A Timely Manner Skilled In Sales And Product Promotion Experienced With Logging Cash Movement Creative Problem Resolution Skills.

Description :

    1. Performed research and resolutions for customers regarding their account via phone.
    2. Retained membership and assisted members in making payments for past due balances.
    3. Set up Credit Card Accounts for recurring payment.
    4. Corrected any administrative and/or service problems relating to member's policy.
    5. Worked closely with respective market offices and related departments.
    6. Worked closely with Third party collection agency; research/resolution for agency.
    7. Performed a reminder of payment call for recovery of past due premiums via phone.
Years of Experience
Experience
2-5 Years
Experience Level
Level
Executive
Education
Education
Diploma

Credit Representative Resume

Summary : Accomplished collector/administrator with 10+ years of experience. Dedicated team member with excellent customer service and communication skills. Strong multi tasker and problem solver.

Skills : Customer Service Skills, Microsoft and Excel experience, Multi-Line Phone System, Retail stocking experience, Retail pricing experience, Invoice experience.

Description :

    1. Reviewed a minimum of 35 credit files daily.
    2. Extended and decreased credit lines where appropriate.
    3. Provided excellent customer service to a minimum of 200 customers' daily basis.
    4. Opened 1000 - 1500 new credit accounts on a monthly basis.
    5. Approved or declined credit line increases.
    6. Eagerly performed work responsibilities, while ensuring maximum client satisfaction.
    7. Commended for reliability and trustworthiness.
    8. Excelled at working in a fast paced, strenuous environment.
Years of Experience
Experience
7-10 Years
Experience Level
Level
Management
Education
Education
Diploma