JD Edwards
Clara Paquette
Credit And Collections Supervisor
Edmonton,Alberta
Summary
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. 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. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
18
18
years of professional experience
Work History
Credit Associate
Corrpro Canada Inc.
Edmonton, AB
2012.09 - 2023.08
- Processed new customer credit applications accessing credit agency data to open new accounts.
- Advised accounts and assisted through qualification processes.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Created credit policies, processes and procedures to maintain compliance with banking regulations.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Investigated and resolved customer disputes related to credit decisions.
- Negotiated payment plans and loan terms with delinquent customers.
- Improved understanding of financial statements, which helped in assessing risk.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Made decisions and recommendations about extending lines of credit.
- Performed credit reviews on corporations to assess financial conditions.
Credit Manager
Can-Cell Industries
Edmonton, AB
2005.06 - 2012.09
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Developed strategies to expedite payments and customer resolutions.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
Education
Bachelor of Arts - Education
2001.05 -
Skills
High risk account reviews
Credit decisions
Verbal and written communication
Credit risk
Flexible and Adaptable
Decision-Making
Training and Development
Maintenance and Repair
Multitasking Abilities
Self-Motivated
Excellent Telephone Etiquette
Accomplishments
- Achieved lowering the DSO through effectively communicating with Sales.
- Documented and resolved outstanding accounts which led to a low DOS.
- Collaborated with team of 9 in the development of proper information for collection analyst.
- Supervised team of 3 staff members.
Software
Excell
Interests
Camping
Hiking
Reading
Timeline
Credit Associate - Corrpro Canada Inc.
2012.09 - 2023.08
Credit Manager - Can-Cell Industries
2005.06 - 2012.09
King's University - Bachelor of Arts, Education
2001.05 -