Becky Payne
Toccoa ,GA
Summary
Accomplished Credit Manager with a proven track record at Farmers Home Furniture, enhancing credit operations and cash flow management through effective credit risk assessments and customer engagement strategies. Excelled in mentoring teams and implementing policies, significantly improving loan decision accuracy and client relationships. Skilled in credit analysis and fostering team collaboration.
Overview
2025
2025
years of professional experience
Work History
Credit Manager
Farmers Home Furniture
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Licensed through the State of Georgia for Credit Insurance
- Approval of loans, loan closings, credit worthinesses, repossessions, legals, processing accident and health claims, life claims, property claims, unemployment claims
- Responsible for daily deposits, cash drawer, orders,
- Accounts Payable/ Accounts Receivable
Office Manager
Local Management
- Oversaw office inventory activities by ordering and requisitions and stocking and shipment receiving.
- Cultivated positive rapport with fellow employees to boost company morale and promote employee retention.
- Evaluated employee performance and conveyed constructive feedback to improve skills.
- Defined clear targets and objectives and communicated to other team members.
- Responsible for hiring/termination of employees
- Bank reconciliations
- Payroll
Store Manager Trainee
Farmers Home Furniture
10.2024 - Current
- Answered questions about store policies and addressed customer concerns.
- Implemented business strategies, increasing revenue, and effectively targeting new markets.
- Launched staff engagement, gender diversity and cultural programs in addition to robust reporting tool that increased operational quality.
- Reduced operational risks while organizing data to forecast performance trends.
- Accounts Receivable/Accounts Payable
- Responsible for all orders of merchandise, preparing contracts, approving loans
- Supervisor of deliveries, getting drivers DOT certified
- Responsible for inventory control, cycle counts, bad debt worksheets, profit and loss, charge offs of delinquent customers, making deposits, cash handling
Branch Manager
Ga Credit
09.1999 - 12.2003
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Collecting past due payments on accounts, renewing loans, processing loans, approving loans
- In charge of hiring and termination
- Accounts payable and Receivable
- Bank reconciliation and responsible for all bills to be paid in a timely manner
- In charge of chasing past due customers at their home
Education
Bachelors In Business - Marketing
Liberty University
Lynchburg, VA03.2020
Associate Of Applied Science - Photography
North Georgia Technical College
Clarkesville, GA05.2010
Skills
- Credit risk management
- Sales proficiency
- Credit evaluations
- Investigations
- Sales expertise
- Cash flow management
- Loan decision assessments
- Mentoring and training
- Loan reviews
- Client relationship management
- Application processing
- Credit analysis
- Customer engagement
- Authorizations
- Policy implementation
- Loan policy limits
- Credit reports
- Loan origination
- Application review
Timeline
Store Manager Trainee
Farmers Home Furniture
10.2024 - Current
Branch Manager
Ga Credit
09.1999 - 12.2003
Credit Manager
Farmers Home Furniture
Office Manager
Local Management
Bachelors In Business - Marketing
Liberty University
Associate Of Applied Science - Photography
North Georgia Technical College
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