Clara Paquette
Edmonton,Canada
Summary
Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 20 years of resolving credit disputes and making recommendations on bad debt accounts. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
18
18
years of professional experience
Work History
Accounting/Senior Credit Associate/North America
Corrpro Canada Inc.
09.2012 - 08.2023
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
- Assessed credit risk and analyzed financial statements.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Updated client accounts with new information and verified data for informed credit approvals.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Worked with clients to define and implement terms for approved credit requests.
Credit Manager
Can-Cell Industries Inc
06.2005 - 08.2012
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
Education
Bachelor of Arts - Education
Kings University
Edmonton, ABSkills
- Account Reconciliation
- Verbal and Written Communication
- Legal Knowledge
- Independent Judgement
- Customer Inquiries
- Client Relations Skills
- Credit Assessments
- Critical Thinking
- Credit Risk Analysis
- Past Due Account Management
- Customer Retention
- Account Collections
- Process Payments
- Risk Assessment
- Creditworthiness Evaluations
- Customer Support
- Billing Procedures
- Electronic Systems
Timeline
Accounting/Senior Credit Associate/North America
Corrpro Canada Inc.
09.2012 - 08.2023
Credit Manager
Can-Cell Industries Inc
06.2005 - 08.2012
Bachelor of Arts - Education
Kings University
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