Euli Olivo
Etobicoke
Summary
Credit & Collections Manager responsible for overseeing a dynamic team of 14 skilled Credit Representatives who manage accounts of various sizes throughout Canada.
With over 8 years of hands-on experience in Finance and Credit, I have dedicated 5 years to leadership positions, showcasing my commitment to driving excellence and growth.
I am deeply engaged in enhancing my skills and proficiencies, both within the realm of my role and beyond. This drive is reflected in my ongoing pursuit of the Certified Credit Professional Designation (CCP) through the esteemed Credit Institute of Canada.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Promoted | Manager, Credit & Collections
Staples Professional Inc.
12.2021 - Current
- Promoted to Credit and Collections Manager to work with a team of 14 Credit and Collections Representatives to drive positive cash flow and minimize bad debts
- Be responsible for all aspects of the team's performance and individual associate performance
- Ensure delivery of business results by meeting or exceeding SLAs
- Continuously evaluate all credit and collections processes to mitigate corporate risk and report on all potential corporate exposures due to receivables issues
- Ensure compliance with existing SOPs and implement effective changes to further drive compliance and team performance
- Collaborate with the Cash Application team, account reconciliation processes, and credit card processing
- Assist the National Credit Manager with defining collection objectives, executing initiatives, and monthly reporting.
- Support with AR migration of new business acquisitions
- Assist in locations in Quebec and Saskatchewan as required, offering training and team support as necessary.
- Recruited, interviewed, and hired employees and implemented a mentoring program to promote positive feedback and engagement.
- Other duties as required by the business.
Supervisor, Credit & Collections
Staples Professional Inc.
03.2020 - 12.2021
- Responsible for implementing collections strategies, resolving account issues, and proactively mitigating delinquency risk
- Minimize Days Sales Outstanding (DSO), account balances over 90, while increasing % current
- Manage a team consisting of 2 Leads & 10 Credit Analysts
- Minimize bad debt write-offs
- Drive collections strategy and account priority through the use of Alpha and other systems
- Promptly resolve billing issues
- Focus on maintaining or improving the amount of on-account payments
- Systematically assess portfolio risk by reviewing top accounts for risk
- Resolve account issues with customers by working in partnership with other functional areas to ensure the timely issuance of credit memos, expediting proofs of delivery, documentation support, and other account adjustments as necessary and appropriate
- Advise Analysts on how to efficiently use collections tools and resolve issues
- Escalate large collections issues appropriately
- Other duties as required by the business.
Promoted | AR Team Leader
National Concrete Accessories
12.2019 - 03.2020
- Promoted to AR Team Leader to assist Credit Manager with all relevant tasks assigned to ensure the overall success
- Credit Analysis of Commercial Credit Applications
- Monitor Cash application for accuracy and ensure it is completed each day
- Conduct general ledger reconciliations daily, as well as coordinate refunds and clean-ups
- Answer team member questions and oversee team members' work for quality and department compliance
- Provide input and lead/assist with various credit department projects as needed, including but not limited to policies and process implementation
- Develop strategies to promote team member adherence to company regulations and performance goals
- Provide training, mentorship, and coaching
- Collection of complex accounts
- Other duties as required by the business.
Accounts Receivables Clerk
National Concrete Accessories
08.2018 - 12.2019
- Form collection strategies to mitigate customer objections to making timely A/R payments
- Investigate collection problems and advise customers on corporate A/R policies and procedures
- Make arrangements for payment of outstanding and late accounts; transfer any accounts that are not cooperative in terms of making payment to the legal advisor if necessary
- Collaborate with the Credit Manager to maintain collection and A/R performance levels
- Accounts reconciliation and manage a portfolio of over 800 Accounts
- Liaise with branch managers to ensure disputes resolution
- Credit Analysis: Assist with commercial credit applications
- Assist with the training of new employees in the Credit Department.
Credit Cards Advisor
RBC Royal Bank of Canada
01.2018 - 07.2018
- Focus on helping clients by responding empathetically to a variety of questions, assisting with a myriad of banking solutions, and resolving client concerns at first point of contact
- Educate and guide customers on the credit cards features and benefits
- Contribute to team results by supporting all colleagues to be successful in meeting client needs
- Cultivate and maintain relationships with partners to work as one RBC team
- Manage risks by adhering to compliance routines, processes, and controls to protect client and shareholder interests
- Educate and assist clients with using RBC digital capabilities.
Accounts Receivables Clerk
Empire AR Management Inc.
04.2016 - 06.2017
- Bilingual Account Receivables & Customer Service Rep (English - Spanish)
- Reconcile the accounts receivable ledger to ensure that all payments are accounted for and properly posted
- Collect data and prepare monthly metrics follow up on, collect, and allocate payments.
Bilingual Sales and Customer Service Rep.
Scotiabank
06.2015 - 03.2016
- Bilingual sales and customer service representative (English - Spanish)
- Provide Personal Banking Customer Service for Scotiabank Customers in the Dominican Republic, Puerto Rico, Belize, and US Virgin Island
- Advised clients on banking products.
- Commissioned on daily credit card insurance reports allowing management to evaluate sales statistics.
Education
Certified Credit Professional (CCP) -
The Credit Institute of Canada
Toronto, ON07.2024
Employment Strategist Course |Talent Management -
Career Professionals of Canada
Toronto, ON03.2023
YCEO Business Entrepreneurship Program, Business Administration and Management, General -
Business in The Streets: BITS
Toronto, ON01.2018
Customer Service - Co op Diploma -
Greystone College
Toronto, ON01.2017
Completition Certicate, Banking, Corporate, Finance, and Securities Law -
Scotiabank
Santo Domingo, Dominican Republic01.2015
B.Arch - Architecture Studies
Universidad Autonoma De Santo Domingo
Santo Domingo, Dominican Republic04.2014
Skills
- Credit Management
- Risk Management
- Credit Analysis
- Accounts Receivable (AR)
- Board of Directors Reporting
- Advanced Excel
Websites
Certification
- Managing a Diverse Team
- Managing High Performers
- Financial Analysis: Making Business Projections
- Project Management: Risk
- Lead Forward: Leadership Program
Languages
Spanish (Native or Bilingual)
Native or Bilingual
English (Native or Bilingual)
Native or Bilingual
Volunteering Work
Financial Literacy Facilitator to High School Students
Junior Achievement Program - Saint Thomas School - Scotiabank | Jan 2015
Timeline
Promoted | Manager, Credit & Collections
Staples Professional Inc.
12.2021 - Current
Supervisor, Credit & Collections
Staples Professional Inc.
03.2020 - 12.2021
Promoted | AR Team Leader
National Concrete Accessories
12.2019 - 03.2020
Accounts Receivables Clerk
National Concrete Accessories
08.2018 - 12.2019
Credit Cards Advisor
RBC Royal Bank of Canada
01.2018 - 07.2018
Accounts Receivables Clerk
Empire AR Management Inc.
04.2016 - 06.2017
Bilingual Sales and Customer Service Rep.
Scotiabank
06.2015 - 03.2016
Certified Credit Professional (CCP) -
The Credit Institute of Canada
Employment Strategist Course |Talent Management -
Career Professionals of Canada
YCEO Business Entrepreneurship Program, Business Administration and Management, General -
Business in The Streets: BITS
Customer Service - Co op Diploma -
Greystone College
Completition Certicate, Banking, Corporate, Finance, and Securities Law -
Scotiabank
B.Arch - Architecture Studies
Universidad Autonoma De Santo Domingo
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