Betty Boyer
Bonne Terre
Summary
Accomplished credit management professional with a strong focus on optimizing collections and enhancing customer service. Known for effective communication and collaboration that streamline processes and improve operational efficiency.
Overview
20
20
years of professional experience
Work History
Area Credit Manager
Core & Main LP.
St Louis, MO
02.2015 - 11.2025
- Managed credit risk assessments to optimize financial performance across multiple regions.
- Implemented strategic credit policies to enhance portfolio quality and consistency.
- Optimized the collections process by identifying areas for improvement and implementing best practices accordingly.
- Established strong communication channels between various departments involved in the credit management process, fostering better collaboration and efficiency.
- Provided exceptional customer service while resolving disputes or addressing inquiries related to billing issues, payment terms, or other financial concerns.
- Conducted regular audits of client accounts to detect any discrepancies or signs of fraud early on, minimizing potential risks associated with defaulting customers.
- Facilitated successful negotiations with clients experiencing financial difficulties, creating mutually beneficial repayment plans that maintained positive relationships while promoting timely debt recovery.
- Reduced delinquency rates with consistent monitoring and timely follow-ups on overdue accounts.
- Monitored and adjusted credit limits as needed to manage risk exposure effectively.
- Collaborated with sales teams to ensure alignment of credit policies and sales strategies.
- Developed strong relationships with prospective clients to promote business growth and expansion.
- Mitigated potential losses by conducting thorough due diligence on high-risk customers.
- Analyzed customer financial statements to determine creditworthiness and facilitate informed decision-making.
- Collaborated with sales teams to align credit limits with business objectives and customer needs.
Credit Manager
NuWay Concrete Forms
St Louis, MO
01.2006 - 06.2014
- Evaluated credit applications to determine risk and establish appropriate credit limits.
- Developed and implemented efficient credit policies and procedures to enhance approval processes.
- Monitored customer accounts for timely payments, minimizing delinquencies and improving cash flow.
- Collaborated with sales teams to align credit decisions with business objectives and customer needs.
- Conducted regular reviews of outstanding receivables, identifying trends and recommending corrective actions.
- Trained and mentored junior staff in credit management best practices and compliance standards.
- Utilized advanced financial software to analyze data, generate reports, and support strategic decision-making.
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Referred delinquent accounts to collections department or outside resources.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
Education
GED -
Fox C-6
Arnold, MOGED -
Jefferson College
Hillsboro, MOSkills
- Credit scoring models
- Cash flow analysis
- Relationship management
- Credit policy development
- Portfolio management
- Underwriting expertise
- Credit risk assessment
- Customer engagement
- Mentoring and training
- Client relationship management
- Credit analysis
- Workflow coordination
Timeline
Area Credit Manager
Core & Main LP.
02.2015 - 11.2025
Credit Manager
NuWay Concrete Forms
01.2006 - 06.2014
GED -
Fox C-6
GED -
Jefferson College