Credit Specialist Resume Samples

Description :

1. Manufacturer and distributor of automatic taping and finishing tools, parts and accessories Managed and critically reviewed applications in light of the company's credit policies and regulations.
2. Responsible for Reviewing and processing over 25 new accounts per day in setting up the accounts and Maintaining strict confidentiality of all financial information.
3. Prepared and analyzed weekly reports for senior management.
4. Collections Administrator Managed Delinquent accounts over $12 million which includes in house collections, attorney accounts, and accounts in litigations for potential settlements.
5. Negotiated settlement of accounts and reasonable payment arrangements within corporate guidelines.
6. Maintained an accurate and clean aging report, ensuring that cash and credits had been applied and processed in a timely manner.
7. Prepared monthly status reports and worked collaboratively with all impacted departments to ensure conformance with company-wide accounting guidelines, procedures, and reporting activities.
8. Earned Rep of the Month award 2 times from a department of 9.
9. Managed the accurate and timely processing of invoices for large organizations, assessed and closed A/P sub-ledger on a monthly basis, validated the content and resolved various issues.

Experience

2-5 Years

Level

Junior

Education

Business Administration

Description :

1. Responsible for answering incoming calls related to new account applications, authorization, and gift card transactions.
2. Listen attentively, thoroughly review account, take ownership, address respectfully, resolve and accurately document all credit decisions.
3. Willing to comply with all guidelines established by the current banking institution and make account guideline decisions on high dollar accounts based on a thorough review of account and credit history.
4. Accurately resolve all customer inquiries received via email, written correspondence, phone or system queued.
5. Assist with bank risk strategies by performing verifications and reporting real time circumstances that indicate a high potential for fraudulent activity.
6. Consistently achieve expectation on all key performance indicators.
7. Participate and manage performance development plan as set forth by Team Manager.
8. Assist with answering Operator Directory calls.

Experience

2-5 Years

Level

Junior

Education

Biology

Description :

1. Assisted director of credit and collections in developing procedures and guidelines relating to strategy and methods of enhancing revenues by collecting outstanding premiums owed by termed groups.
2. Represented departmental interest and objectives with local and regional management personnel, employer groups, collection agencies, and attorneys.
3. Monitored, advised, and trained regional operation teams to ensure files of termed groups turned over to collections area in a timely manner.
4. Pursued collections through negotiation for payment in full, payment plans, or settlement.
5. Processed bankruptcy notices, documented and reported filings to operations, and monitored status.
6. Prepared files of accounts for placement with outside collection agencies, placed files, and acted as liaison with agencies, Kaiser Operations, and regions regarding placed accounts.
7. Created and reported on various internal financial reports, reconciling and filing incoming monthly reports from both internal departments.

Experience

10+ Years

Level

Senior

Education

Business

Description :

1. Assists in the financial analysis, credit underwriting and approval process.
2. Identifies cross sell opportunities, prepares credit approval packages, annual reviews, renewals of credit, client credit proposals and coordination of document preparation and closings.
3. In collaboration with the Client Advisor, or Credit Advisor, may act as an additional contact to the client.
4. In charge of closing all the jewelry sales by finalizing the contract.
5. To run the finances according to the credit limitations of the customer and input all the data from the contract into the Harris database.
6. To attend to any customer relation via phone, or in person, and assume any responsibility of the establishment while in the absence of a manager.
7. To complete all of the clerical administration duties within the job in an efficient and timely manner.
8. Closing of the credit department is also a requirement at the end of business.

Experience

2-5 Years

Level

Executive

Education

High School Diploma

Description :

1. Origination Processing Gather information and take each file from underwriting decision to closing.
2. Obtain borrower documentation once underwriting decision has been obtained Responsible for keeping borrower informed from the time loan is decision through closing .
3. Setting and maintaining proper expectation to all parties on the file (including internal customers, e.g., loan officers, sales managers) Input proper loan information into the system for processing.
4. Responsible for ensuring that all loan documentation is complete accurate verified and complies with company policy.
5. Verify loan documents including income, assets, credit, appraisal and title insurance ultimately verifying application for final submission to underwriting.
6. Review file documentation and make sure all items needed are requested.
7. Maintained personal pipeline of 15-25 loans with an average closing volume of 15 loans per month.

Experience

2-5 Years

Level

Junior

Education

Accounting

Description :

1. Responsible for the preparation of credit packages for credit analyst team.
2. Retrieval of personal and business credit reports, collection and spread commercial dealership financial statements, and verification of corporate entities through the Secretary of State.
3. Compiled credit references and trades, insurance renewals, and legal documentation preparation.
4. Maintained Uniform Commercial Code (UCC) collateralizations to improve portfolio control & compliance.
5. Assisted with various administrative functions including preparation & filing of letter correspondence, timely follow-up of credit file conditions set by analyst team, department switchboard and employee break relief.
6. Defined and created position procedure manual for new and existing employees.
7. Recognized for going above & beyond job responsibilities which led to the promotion of credit analyst role.

Experience

10+ Years

Level

Senior

Education

Bachelor Of Science

Description :

1. Review personal loan applications and make appropriate credit decision.
2. Approve loans that meet all credit requirements and decline those unqualified borrowers.
3. Manage pipeline to ensure loans are reviewed on a timely manner.
4. Achieve & maintain a high Quality Assurance Scores to make sure all loans are processed/reviewed complied with lending regulations.
5. Achieve fast & efficient Turn-Around-Time while still meeting company's guidelines and regulations.
6. Request relevant information and verify financial documents such as W2, pay stubs, bank statements, social security award letters, retirement/pension, child support & tax returns etc.
7. Verify borrowers' identity as well as employment verification over the phone to eliminate fraud issue.
8. Consult & liaise with fraud team for high risk/suspicious financial documents.

Experience

2-5 Years

Level

Junior

Education

Bachelor Of Science

Description :

1. Explained and effectively sold product information and benefits from disclosures sent out.
2. Educated our customers on bank and product information.
3. Exceeded in selling and closing on accounts by informing consumers of the benefits of having accounts with the company both long and short term.
4. Spent close to 7 years as a top performer, and succeed in monthly goals along with a performance with other team members.
5. When the company hit struggles due to government restrictions stayed, with many choosing severances packages.
6. Performed highest of 9 months of the top team and before that with a different manager for 6 months straight.
7. Persuaded customers the benefits of applying for products issued.

Experience

5-7 Years

Level

Executive

Education

Diploma

Description :

1. Managed multi-accounts clients'; assisted in the financial analysis, credit underwriting and approval process of new orders for all inbound clients.
2. Identified cross sell opportunities, conducted annual reviews, renewals of credit, client credit proposals and assisted with the coordination of document preparation and closings.
3. Made reasonable procedure exceptions to accommodate unusual customer requests.
4. Managed shift of bilingual representatives to ensure proper help was provided to Spanish and Portuguese clients.
5. Addressed customer service inquiries in a timely and accurate fashion.
6. Developed effective relationships with all call center departments through clear communication.
7. Worked with upper management to ensure appropriate changes were made to improve customer satisfaction.

Experience

0-2 Years

Level

Entry Level

Education

Leadership

Description :

1. Develop or implement product-marketing strategies, including advertising campaigns or sales promotions.
2. Recommend locations for new facilities or oversee the remodeling or renovating of current facilities.
3. Direct non-merchandising departments of businesses, such as advertising or purchasing.
4. Oversee activities directly related to making products or providing services.
5. Direct and coordinate activities of businesses or departments concerned with the production, pricing, sales, or distribution of products.
6. Review financial statements, sales and activity reports, and other performance data to measure productivity and goal achievement and to determine areas needing cost reduction and program improvement.
7. Manage staff, preparing work schedules and assigning specific duties.

Experience

2-5 Years

Level

Executive

Education

Associate Of Applied Science

Description :

1. Performed account receivables, along with collections and posting lockbox deposits, account refunds, and account disputes.
2. Posted receipts to appropriate general ledger accounts, and order entry.
3. Account reconciliation of portfolio of 500+ customer accounts including cash application, credits, debits, and invoicing: Bill of Lading, Purchase Orders, 3 way match.
4. Maintained & performed billing and processed monthly statements, credit approvals, credit holds, and order release.
5. Daily credit limit reviews using trade references, Dunn & Bradstreet, and financial statements.
6. Worked directly with sales force, customer service, & facilities.
7. Supervised the Cash Applications Specialist, organized and maintained credit files, weekly and monthly reports and spreadsheets.

Experience

2-5 Years

Level

Executive

Education

Business Management

Description :

1. Kept a check on monthly receivables activity while making sure that billing and reporting activities are carried out per specified dates.
2. Looked into and researched customer account detail, which included non- payments and other irregularities.
3. Created appropriate communication system that reminds the customer about payment without offending them.
4. Last and most importantly, created a recovery system while sourcing its strengths internally or identifying an external source for faster recovery at minimal expense.
5. Prepped accounts for collection agency assignment.
6. Handled credit overrides and the issuance of credit to distributors.
7. Made all branch issues known and assisted with obtaining remedies to make process, communication and efforts more successful.

Experience

0-2 Years

Level

Entry Level

Education

Cosmetology

Description :

1. Handle calls coming in from stores, other departments or customers.
2. Run/handle credit applications, run background checks.
3. Provide customers approvals on applications to store representatives.
4. Handle customers accounts such as adding lines, change credit classes, changing customers information, removing/increasing spending limits, query applications to accounts.
5. Temporary remove social security numbers off canceled/closed accounts.
6. Offline work such as putting social security numbers back on canceled/closed accounts.
7. Chosen to help other agents with their calls; with echats would answer incoming request from other agents asking to add lines, remove/increase spending limits.

Experience

7-10 Years

Level

Consultant

Education

Associate Of Arts

Description :

1. Verified accuracy of consumer disputes on their credit report.
2. Submitted and investigated credit fraud complaints.
3. Updated information to submit to credit bureaus to update customer credit files.
4. Investigated errors or disputes initiated by consumers concerning credit reports.
5. Submitted appropriate documentation to remove inaccuracies on client consumer reports.
6. Responsible for ensuring proper safe guard of consumer's private information.
7. Responsible for tracking progress of consumer disputes within a timely manner.

Experience

2-5 Years

Level

Executive

Education

Criminal Justice