Alicia Alford
Greater Houston Area,TX
Summary
Accomplished Credit Account Manager with a proven track record at fortune 500 and start up companies, specializing in credit risk management and enhancing portfolio performance. Expert in financial statement analysis and fostering team collaboration. Successfully spearheaded business solutions and improved risk assessment processes, demonstrating a strong blend of analytical prowess and leadership skills.
Overview
12
12
years of professional experience
Work History
Credit Account Manager
Elementia USA
02.2024 - Current
- Consulted on end-to-end wholesale credit lifecycle spanning sales, origination, fulfillment, servicing and portfolio management.
- Developed world-class business and technology solutions for building supply institutions.
- Spearheaded process design, requirements gathering and functional design systems implementation engagements.
- Oversaw business development to originate new client opportunities.
- Improved understanding of financial statements, which helped in assessing risk.
- Investigated and resolved customer disputes related to credit decisions.
OPERATIONS BILLING COLLECTION MANAGER
Procore Technologies Inc.
01.2022 - 02.2024
- Responded to requests for new or increased open account credit limits.
- Identified and discussed with management opportunities for improvements to procedures and internal controls.
- Prepared accounts receivable-related journal entries for accounting month-end close.
- Monitored accounts receivable aging and worked with various areas to address business needs.
Credit Risk Manager
Elementia USA
03.2015 - 01.2022
- Adhered to banking standards and government lending guidelines for loan services.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Executed risk assessment programs to identify and quantify risks and associated controls.
- Tracked policy exceptions to review and enhance underwriting guidelines.
- Conducted ongoing reviews to monitor portfolio performance and identify strong and weak areas.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
CREDIT AND COLLECTIONS Supervisor
Roper Industries
09.2012 - 05.2015
- Identified needs and provided training to clarify expectations of collections agents.
- Supervised and coordinated activities of collections employees attempting to gather monies owed from consumers.
- Processed payments and applied to customer balances.
- Scheduled employees to provide full coverage of incoming and outgoing calls.
- Prepared and delivered performance reviews of 4 collections agents to support continuous improvement of department.
Education
NACM
Southwest DivisionSkills
- Credit analysis
- Financial statement analysis
- Portfolio Management
- Financial Forecasting
- Underwriting expertise
- Cash Flow analysis
- Project Management
- Team Collaboration
- Credit risk management
- Collections Management
- Report Preparation
- Data Analysis
- Team building
- High risk account reviews
Quote
Price is what you pay. Value is what you get.
Warren Buffett
Timeline
Credit Account Manager
Elementia USA
02.2024 - Current
OPERATIONS BILLING COLLECTION MANAGER
Procore Technologies Inc.
01.2022 - 02.2024
Credit Risk Manager
Elementia USA
03.2015 - 01.2022
CREDIT AND COLLECTIONS Supervisor
Roper Industries
09.2012 - 05.2015
NACM
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