Ram Gill
Brampton
Summary
Highly skilled professional, adept at working commercial and consumer accounts, seeking employment where I can utilize my skills in financial services and uphold the integrity of the organization. Fast learner, analytical and great leadership skills.
Overview
15
15
years of professional experience
Work History
Accounts Receivable Analyst
BOTHWELL-ACCURATE COMPANY (BC) LTD.
08.2023 - Current
- Obtains revenue by processing invoices, resolving missed payments, updating financial records, and effectively supervising staff engaged in similar activities
- Accomplishes accounts receivable human resource objectives by selecting, orienting, training, assigning, scheduling, coaching, counseling, and disciplining employees; communicating job expectations; planning, monitoring, appraising job contributions; recommending compensation actions; adhering to policies and procedures
- Meets accounts receivable operational standards by contributing information to strategic plans and reviews; implementing production, productivity, quality, and customer-service standards; resolving problems; identifying system improvements
- Meets accounts receivable financial standards by providing annual accounts receivable budget information; monitoring expenditures; identifying variances; implementing corrective actions
- Collects accounts by contacting customers referred by clerks; investigating circumstances of non-payment; negotiating and resolving conflicts; expediting payment
- Supports financial planning by forecasting cash
- Updates receivables by coordinating and monitoring daily sales order processing and bank remittance transactions
- Maintains financial security by adhering to internal accounting controls
- Maintains accounting ledgers by posting monthly account transactions
- Protects organization’s value by keeping information confidential
- Updates job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks
- Accomplishes accounting and organization mission by completing related results as needed
Senior Credit Analyst
Leavitt Machinery
04.2022 - 07.2023
- Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Analyzing client records and using the data to recommend payment plans
- Conferring with credit associations and references to exchange credit information on clients
- Consult and negotiate with clients regarding financial transactions, payment terms, and credit limits
- Carry out billing, collection and reporting activities according to specific deadlines
- Perform account reconciliations
- Monitor customer account details for non-payments, delayed payments and other irregularities
- Analyze and assess the financial statements and credit history of existing and potential clients
- Review credit applications and perform credit checks
- Approve credit applications
- Process credit card payment's
- Investigate and resolve customer queries
- Process adjustments
- Communicate with customers via phone, email, mail or personally
Senior Credit Associate
Pacific West Systems Supply
03.2021 - 03.2022
- Maintain up-to-date billing system
- Generate and send out invoices
- Follow up on, collect and allocate payments
- Carry out billing, collection and reporting activities according to specific deadlines
- Perform account reconciliations
- Monitor customer account details for non-payments, delayed payments and other irregularities
- Research and resolve payment discrepancies
- Generate age analysis
- Review AR aging to ensure compliance
- Maintain accounts receivable customer files and records
- Follow established procedures for processing receipts, cash etc
- Process credit card payments
- Prepare bank deposits
- Investigate and resolve customer queries
- Process adjustments
- Develop a recovery system and initiate collection efforts
- Communicate with customers via phone, email, mail or personally
- Assist with month-end closing
- Approve credit applications
Credit Risk Analyst
Gatestone .CO & TD Canada Trust
09.2015 - 03.2021
- Interpret, analyze and assess all forms of complicated financial information
- Assist the company in enhancing quality of service delivery relating to credit applications
- Responsible for recoveries for TD Canada Trust
- Exemplifying the organization's conflict resolution process to handle difficult situations
- Maintain the credit exposure of the company within certain risk level with set limit in mind
- Providing customer service, meeting the company's standards and retain and increase the overall profitability
- Utilize systems built for credit sourcing to offset small credit amounts, like little amount of unsecured personal loans
- Get updated information about key issues, like compliance issues, market risk, and legal issues
- Read financial briefings related to the borrower to the company
Business Development
NCRI Inc.
01.2010 - 08.2015
- Provided account management with detailed reporting for a number of clients
- Assisted with company growth by participating in business development
- Established business processes and organization standards to develop efficiency and usefulness of allotted departments
- Provided quality assurance and assist management with settlement negotiation by providing account analysis and history data
- Participate in monitoring key performances indicators and reporting on performance measure
- Provide customer service support to assigned customer accounts
- Prepare and analyze daily, weekly and monthly delinquent reports and assure action is taken to resolve
- Research and resolve payment discrepancies
- JANUARY2010 - AUGUST2015
Education
DIPLOMA - BUSINESS ADMINISTRATION
SENECA COLLEGE @ YORK UNIVERSITY
01.2011
Languages
English - Advanced
Additional Information
- SKILLS I am trilingual with proficiencies in English, Punjabi and Hindi. I can type up to75 wpm, as well as use multiple screens while assisting customer.
- I have a strong working knowledge of Microsoft office, salesforce, DRS Techcom, AS400 and am able to adapt to internal CRM's quickly. I am also licensed to handle all federal, provincial and municipal delinquent account across the country.
Timeline
Accounts Receivable Analyst
BOTHWELL-ACCURATE COMPANY (BC) LTD.
08.2023 - Current
Senior Credit Analyst
Leavitt Machinery
04.2022 - 07.2023
Senior Credit Associate
Pacific West Systems Supply
03.2021 - 03.2022
Credit Risk Analyst
Gatestone .CO & TD Canada Trust
09.2015 - 03.2021
Business Development
NCRI Inc.
01.2010 - 08.2015
DIPLOMA - BUSINESS ADMINISTRATION
SENECA COLLEGE @ YORK UNIVERSITY
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