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Credit Specialist Resume Samples
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0-5 years of experience
- Reviewed/underwrote loan applications to assess the credit and fraud risk of potential borrowers, while consistently being recognized as a top producer.
- Collaborated interdepartmentally to develop underwriting policies and procedures to increase efficiency and streamline work processes.
- Analyzed a high volume of financial documents and statements to solidify credit worthiness and identify risk factors.
- Proved comprehensive knowledge of credit practices, laws, and regulations by evaluating quantitative data between Operations teams to properly mitigate credit risk scenarios.
- Spearheaded the assembly of the first formal [company name] training class, and successfully led groups of 10-12 department agents through initial loan review process.
6-10 years of experience
Created and maintained training program for all collectors on EZPay terms and processes
- Resolved exceptions for over 15K auto pay customers via ACH, credit and debit cards
- Ad-hoc Reporting- Hyperion and Oracle R11/R12
- Calendared and facilitated monthly aging discussion with management and sales teams
- Assisted with Oracle R12 re-implementation project team including testing, issue resolution, and business process overview
0-5 years of experience
Assist in the construction of financial budgeting forecasting, and reviewing cost analysis.
- Prepared summary of credit decision/recommendation for new applications, existing customer requests and annual reviews.
- Generated and maintained monthly A/R receivable aging reports for Centralized Credit Shared Services. Reviewed and assessed customer account portfolio for sales order releases and credit extensions.
- Maintained and monitored appropriateness of customer credit limits.
- Maintained departmental records for bad debt allowances, risk reports, cash projections and any other pertinent Credit/A/R related records.
- Administration support and monitoring past dues delinquent accounts.
- Correspond with customers to resolve outstanding balances.
- Inbound/Outbound calls and emails to customers in regards to past due accounts.
0-5 years of experience
Responsible for ensuring timely new customer & new job set up; this includes all required due diligence and analysis; Credit reports, trade references, financial analysis, system set up, creation of electronic file and credit risk decision making responsibility within delegated levels of authority.
- Accurately manage approximately 50-100 credit apps.
- Efficiently maintain excel spreadsheets related to credit applications, all new accounts established for tracking purposes, and following up as needed.
- Develop and train new employees.
- Assisted customer with invoice & statement copies.
- Establish, monitor, and maintain credit accounts.
0-5 years of experience
- Issued, advised, and amended Letter of Credit documents.
- Processed and complied with all requirements listed under any given Letter of Credit.
- Communicated with internal and external customers of L/C.
- Reviewed letters of credit at the drafting stage and advised customers of any necessary changes (i.e. amendments).
- Ensured accuracy and entered L/C in computer system.
- Increased bank members by 120 through outreach efforts.
0-5 years of experience
- Assisted commercial lending officers with loan request underwriting and documentation.
- Prepared credit analysis for new and renewed loan requests in the following industries: Real Estate, Manufacturing, Advertising and Wholesale Distribution.
- Analyzed proposed loan structures and evaluated customer's repayment sources.
- Provided on-going monitoring of the credit exposure once the transactions are completed.
- Spread corporate and personal financial statements and tax returns.
- Assessed collaterals, calculated covenant ratios, reviewed A/P & A/R aging and credit reports.
0-5 years of experience
- Managed account receivables for large and high risk accounts including collection, forecasting, reviewed and released orders from credit hold and issued weekly reports
- Analyzed payment flow, researched root cause of delay payments, implemented new processes to decrease delay payments
- Developed partnership and collaborated with customer to improve payment processes
0-5 years of experience
- Maintained Clients files to insure that they stayed on track
- Called clients for appointments and reviewed their reports
- Created and emailed clients dispute letters to challenge negative information on reports.
- Replied to emails and uploaded documents to clients file
- Updated Billing and personal information on the file
- Worked with clients to understand the services and continue with the lending process on the files.
0-5 years of experience
- Assisted in technical projects for Credit & Collections to promote process improvement.
- Performed daily and month end process to ensure proper accounting and provide timely accurate reports for management and audits.
- Responsible for the investigation and analysis of credit risk for both new and existing customers and licensees. Using confidential credit information, establishes initial credit limits for new customers and monitors restriction and extension of credit to existing customers and licensees.
- Handled sensitive credit problems including bankruptcy, demand letters, placing accounts out with collections agencies and recommending closing accounts with an emphasis on reducing write offs.
- Carried all duties of the Senior Credit Representative.
0-5 years of experience
- Maintain a 12 station aging by contacting agencies and advertisers via email and phone for status of open invoices. Also research account issues to determine if credits are needed.
- Serve as back up for the credit manager as needed and during periods of vacation.
- Approve and release orders from credit hold while making sure accounts are within payment terms.
- Review credit applications and recommend terms, as well as respond to credit inquiries from outside sources.
- Assist AR specialist as needed by processing accounts receivable including incoming checks, credit cards, ACH, and intercompany payments.
- Other duties as assigned including scanning, filing, and assisting with mail once a week.
0-5 years of experience
I communicated constantly with customers and assisted other [company name] employees to help provide customers with new service or evaluate their credit to determine what plans and services would be most beneficial to customers. This was an ever-changing environment where new policies were drafted and communicated daily, so being flexible and accommodating was a must.
- Determined fraud risk to protect company and customer's information
- Spoke with customers to analyze their needs proactively
- Utilized strong communication and adaptability skills
0-5 years of experience
- Responsible for over 150 credit accounts.
- Make calls to customers and take payments or set customers up for a promise to make a payment by end of week.
- Reach a goal every week to maintain bonus.
- Make decisions based on my own findings about accounts.
- File necessary paperwork.
- Deal with repo department and locate vehicles that were claimed to have been stolen.
0-5 years of experience
Releasing customer orders and shipments on hold via SAP.
- Ordering Dun & Bradstreet reports to establish credit worthiness.
- Reconciling customer charge backs and balances on SAP.
- Daily interactions with customers in order to maintain A/R cash flow.
- Anticipate and resolve customer issues by interacting with sales and internal departments.
- Recording and posting of daily cash receipts.
- Utilize Vertex Sales Tax system, Microsoft Word and Excel.
0-5 years of experience
- Extensive knowledge of credit regulations, procedures and operations
- Comprehensive knowledge of financial activities
- Skilled in analyzing, verifying and interpreting financial statements
- Sound knowledge of mathematical concepts with strong administration and management skills
- Possess good leadership skills with an ability to work in a fast paced working environment
- Proficient in major computer applications like Microsoft Word, Excel and PowerPoint and the Internet
0-5 years of experience
- Perform administrative duties to include reporting, data entry, and credit file maintenance.
- Generate financial ratios, using computer programs, to evaluate customers' financial status.
- Prepare reports that include the degree of risk involved in extending credit or lending money.
- Obtain credit records from reporting agencies.
- Introduce and train new Credit Specialist to the process and databases.
0-5 years of experience
- Collaborate with the compliance department to eliminate procedural errors and margin breaks.
- Politely assist customers via telephone.
- Effectively communicate with and support sales and administrative teams on a daily basis.
- Process credit files with high levels of accuracy.
- Investigate and resolve customer inquiries and complaints in a timely and empathetic manner.
- Manage a wide variety of customer service and administrative tasks to resolve customer credit issues quickly and efficiently.
- Maintain friendly and professional client interactions at all times.
0-5 years of experience
Answer phones, data entry, assist customers with their billing statement
- Code and search bankruptcies
- Verify address discrepancies and credit alerts on orders
- Take customer orders
- Prepare manuals and assist in training for new hires
- Assist leads on the floor
- Member of the Welcome Committee, The Community Project Team, and The Boosters Team
0-5 years of experience
- Underwrite documents for 6 relationship managers to complete a request
- Analyze personal and company financial statements for small business loans
- Run 7 reports on a daily/monthly basis to maintain the company's requirements
0-5 years of experience
- Review credit reports to assign or decline credit
- Identifies cross sell opportunities, prepares credit approval packages, annual reviews, renewals of credit, client credit proposals and coordination of document preparation and closings
- Comply to fraud regulations to prevent fraudulent activity
- Assists in the financial analysis, credit underwriting and approval process
0-5 years of experience
- Responsible for handling calls from new and existing customers regarding a variety of requests.
- Use knowledge of products or services as well as great customer service skills, to provide support and offer information, as needed, to keep customers satisfied and retain business.
- Address problems and complaints, suggest solutions and drive positive outcomes as well as posting payments.
- Lead training and professional development initiatives and offer coaching and instruction, when necessary.
0-5 years of experience
- Efficiently resolve outstanding credits from the Credit Balance Report.
- Strategically determine accuracy of payment and posting.
- Solve Coordination of Benefits (COB) and Explanation of Benefits (EOB) issues to prevent overpayments in the system.
- Ensuring Payments received from insurance payors are accurate according to the payment schedule.
0-5 years of experience
- Responsible for analysis of customer accounts, updating customer accounts, and contacting customers concerning billing and invoicing questions
- Contacting customers includes both phone and email communication
- Responsible for collecting past due payments, reconciling accounts, and returning credits to customers
- Process check refunds, batch processes, and accounts receivable transactions in BMS (Oracle based system)
6-10 years of experience
- Take payments on, answer questions and resolve issues regarding customer accounts and orders
- Training in, and experience with training new hires
- Training and experience in handling specialized call helplines
- Perform additional special assignments
0-5 years of experience
- Responsible for judgmentally decisioning new credit card applications using Chase lending philosophy.
- Approving and declining Business card and Consumer credit applications up to 50K
- Makes outbound calls as necessary to develop additional information to facilitate final disposition of applications.
- Evaluating Business Bureau's and Consumer Bureau's
- Inbound calls for inquiry's on the application
- Outbound for verification
- Responsible for judgmentally decisioning new credit card applications using Chase lending philosophy.
0-5 years of experience
- Speaking with customers to get them to sign up for a credit card.
- When customers sign up for credit card entering the given information into the program to be given an instant decision.
- While doing everything making sure to keep the customers information private and confidential to keep their identity safe.
0-5 years of experience
- Received incoming calls to make payments on customer revolving accounts.
- Entered payment information on customer accounts.
- Updated billing and customer information.
- Processed requests for catalog
0-5 years of experience
- Developed a comprehensive understanding of the credit industry for the purpose of providing credit repair to consumers.
- Provide credit consultations for clients with adverse credit scores.
- Analyze valid credit reports for inaccurate and unverifiable information.
- Implement a plan of action based off of the individual credit issues and provide financial advice to potentially increase credit scores.
- Suggest the purchase of credit monitoring sites and credit cards based on progress during the credit repair process.
- Remain compliant under FTC and CROA guidelines.
- Appropriately handled sensitive information for all clients enrolled in our credit repair program.
- Created financial documents for sales leads and tracked progress of all clients within the program.
- Aided billing department regarding enrollment and monthly payment issues.
0-5 years of experience
- Educate customers about credit line decreases and payment holds.
- Close accounts, re-open accounts, work payments.
- Call banks to verify payments to release payment holds.
0-5 years of experience
- Processing new credit applications and customer requests regarding their accounts
- Preforming thorough manual reviews on new applications to protect customers from possible fraudulent activity
- Reviewing accounts based off set guidelines, positively positioning all eligible and ineligible requests to customers and sales representatives
- Continuously handling and reviewing confidential credit report information
- Following policies and procedures to ensure all customer information stays protected
- Operating multiple computer applications and phone lines during a single call process to satisfy customer needs
- Being an SOS Agent; working on special SSN and port-in request cases, operating an in-house chat system to direct other agents needing assistance with general questions or escalated call requests, allowing a less restrictive set of guidelines to approve requests that meet new criteria
- Upholding high quality assurance reviews and statistic levels monthly
0-5 years of experience
Assist customers with their light bills
- Accept payments from customers
- Make arrangements on payments
- Assist customers on certain payment programs
0-5 years of experience
- Responsible for cash application functions and credit analysis of potential and existing customers.
- Analyzes credit data and financial statements to determine the degree of risk involved in extending credit.
- Provides alerts and recommendations to management based on credit updates and customer trend analyses.
- Assures all monthly, weekly and daily deadlines are met in the cash application process.
- Downloads lockboxes and posts payments on all unapplied cash and wire transfers.
- Creates and applies invoice corrections.
- Processes and reconciles credit card transactions.
- Deposits in-house cash and post payments.
0-5 years of experience
- Responsible for collection of open accounts receivable due from all customers including National Accounts. Responsible for managing customer account balances, and acting as the liaison between customers and branches to resolve collection issues.
- Communicate progress and concerns with Credit Management Team on a regular basis, include Branch Managers and Salesforce to review accounts and to develop appropriate action plans to collect past due balances.
- Coordinate with and assist the Cash Application Office on customer issues that relate to cash posting issues and disputes and follow up to insure resolution for the customer.
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