Jeannie Cumming
Caledon,ON
Summary
Dynamic credit professional with extensive experience at Konica Minolta Business Solutions, adept at mitigating risks and enhancing customer satisfaction. Proven track record in developing customized credit solutions and resolving disputes, leveraging strong analytical skills and exceptional communication to drive portfolio improvements and foster client loyalty.
Goal-oriented Senior Credit Representative with forward-thinking and resilient mindset. Accurate, honest and detail-oriented in handling monies. Bringing 25 years of experience working to help clients reach financial stability.
Overview
26
26
years of professional experience
Work History
Senior Credit Representative
Konica Minolta Business Solutions
Mississauga, ON
01.2006 - Current
- Assisted in resolving discrepancies in customer accounts related to credit issues.
- Effectively managed high-risk accounts, mitigating potential losses through strategic action plans and negotiations.
- Attained high levels of customer satisfaction through proactive communication and problem-solving skills.
- Developed customized credit solutions to meet unique client needs while managing risk effectively.
- Negotiated payment arrangements with customers experiencing financial difficulties, minimizing loss exposure for the company.
- Ensured accurate record keeping by maintaining up-to-date files on all assigned accounts.
- Enhanced customer relationships through diligent account management and prompt resolution of issues.
- Mentored junior credit representatives, providing guidance and support for their professional development.
- Provided exceptional customer service, addressing inquiries and resolving disputes in a timely manner.
- Consistently met or exceeded performance metrics, contributing to overall department success.
- Conducted regular account reviews to identify potential risks and opportunities for improvement.
- Received and submitted customer payments to further reduce open account balances.
Credit Analyst
Konica Minolta Photo Canada
Mississauga, ON
04.1999 - 01.2006
- Evaluated customer creditworthiness using established criteria and guidelines.
- Collaborated with sales teams to provide insights on credit terms and conditions.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
Education
High School Diploma -
The Woodlands High School
Mississauga, ON1999
Skills
- Payment processing
- Credit policy development
- Bankruptcy procedures
- Dispute resolution
- Portfolio management
- Cash flow forecasting
- Teamwork and collaboration
- Customer service
- Attention to detail
- Problem-solving abilities
- Multitasking Abilities
- Excellent communication
- Team collaboration
- Adaptability and flexibility
- Team building
- Microsoft office proficiency
- Analytical thinking
- Report monitoring
- Professionalism
- Credit disputes
- Credit report pulling
- Account reviewing
Languages
English
Native or Bilingual
Timeline
Senior Credit Representative
Konica Minolta Business Solutions
01.2006 - Current
Credit Analyst
Konica Minolta Photo Canada
04.1999 - 01.2006
High School Diploma -
The Woodlands High School