DAFNA ZIV

Develop and foster relationships with existing and perspective commercial members in the business community. Help members achieve their financial goals and objectives using innovative solutions offered by Newfoundland and Labrador Credit Union (NLCU). This is achieved through the analysis of qualitative and quantitative financial information to evaluate the financial structure of the company, relative to the business goals and corresponding credit risk. Assist the Director, Credit in all functions related to the operation of the Credit Department.

Establish, develop and maintain long-term, full-service, profitable member focused commercial service relationships.

Raise members profile as the premiere provider of commercial financial solutions by representing NLCU in the business community, promoting products and services while developing a referral network of professionals.

Prepare and deliver formalized presentations to the business community on NLCU’s products and services.

Meet regularly with current and potential business members regarding their financial needs.

Provide specialized expertise in all aspects of commercial account management, including, but not limited to, recognizing and referring members to the appropriate departments at NLCU.

Perform detailed analysis of relevant financial, management and market information to evaluate and formulate recommendations to mitigate risk, optimize profitability and structure sound financing arrangements.

Write sound, well-structured recommendations to assist the Director, Credit and Lending Committee in making credit decisions.

Understand commercial markets, NLCU’s pricing strategies, and recommend pricing structures for commercial members.

Champion an innovative sales-focused environment capable of achieving consistent, superior member service and business development.

Make recommendations with a focus towards streamlining commercial credit processing.

• Supporting companies with accounts receivable and customer relations needs to ensure delivery of fair customer outcome in adherence to internal policies and regulatory guidelines.
• Helped meet changing demands by recommending improvements to business systems or procedures.
• Managed multiple deadlines across several businesses to meet dynamic needs of multiple clients.
• Onboarded and managed new client accounts to boost retention rates.
• Designed tailored training programs for employees at various levels within the organization, boosting overall skillsets.
• Evaluated customer needs and feedback to drive product and service improvements.
• Integrated technology and business operations to identify targeted solutions to customer issues.
• Identified areas of improvement for clients'' operations, implementing targeted solutions to increase productivity.
• Evaluated client needs and expectations, establishing clear goals for each consulting engagement.
• Collaborated with cross-functional teams to successfully deliver comprehensive solutions for clients.
• Optimized customer experience by delivering superior services and effectively troubleshooting issues.
• Delivered outstanding service to clients to maintain and extend relationship for future business opportunities.
• Created and developed detailed work plans to meet business priorities and deadlines.
• Generated reports detailing findings and recommendations.
• Facilitated workshops with stakeholder groups to gain consensus on priorities and approaches for tackling identified issues or opportunities.
• Advised clients on change management strategies to ensure smooth transitions during periods of organizational transformation.
• Collected, arranged, and input information into database system.
• Evaluated staff performance and provided coaching to address inefficiencies.
• Prepared presentations to explain revisions, enhancements and process improvements of organization's systems and programs.

• Led the collections team for the Americas and LATAM region, transforming late paying customers to happy paying partners
• Responsible for optimizing cash flow while minimizing financial risk
• Enforced company credit policies, managed customer credit relationships, oversaw all collections efforts, and supervised aspects of the AR function
• Identified customer credit and billing issues, then collaborated with sales and the billing team for quick resolution and communication to the customer
• Investigated and resolved customer deductions
• Continuously reviewed aging reports with focus on top 50 and provided regular reports and action plan to management
• Effectively used technology to streamline processes and procedures in all credit and AR functions
• Led the training orientation and ongoing growth and professional development of all credit personnel in the America's region
• Managed relationships with credit reporting and collections agencies.