BONNIE LUKENS
Elkton,MD
Summary
Experienced Credit Rep knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Hardworking Credit Rep enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. Highly-qualified Credit Rep driven to minimize risk while capitalizing on opportunities to accomplish bank objectives in sales, customer growth and bottom line profitability.
Overview
31
31
years of professional experience
Work History
Credit Representative
FXI
Media, PA
11.2011 - Current
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Referred delinquent accounts to collections department or outside resources.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Manage a portfolio of 200 active accounts
- Collect on past due accounts keeping an average of 94%
- Reported key performance indicators to department heads for the management of positive cash flow and to adjust credit risk policies and procedures.
- Developed strategies to expedite payments and customer resolutions.
- Opened new accounts with credit limit up to $25K
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Accessed credit records to evaluate customer histories.
Credit Assistant
Arlon, Inc
Bear, DE
12.2007 - 07.2011
- Responsible for posting daily cash, wires, and credit card payments to customer's accounts
- Received "Employee of the Month" in June 2010 by collecting $6.5 million in one month
- Created daily and weekly reports for accounting management
- Contacted international customers via phone or email for past due invoices
- Responsible for entire company collections along with cash applications
- Assisted AP department with order entry on purchase orders and invoices
- Managed wide variety of customer service issues quickly & efficiently.
- Responded to customer requests via telephone and email.
- Verified data integrity and accuracy.
Credit Representative
Stanley Black & Decker
Towson, MD
03.2005 - 12.2007
- Managed 400 customer portfolio in the South East which included credit, collections and customer service
- Handled a large Retail accounts with a $13 million revenue
- Reconciled over-payments, credits and deductions with back-up provided by the customer to meet Sarbanes Oxley regulations
- Assisted the AR department as needed to post cash on accounts
- Worked with the charge back department to research claims and deductions.
- Responded to customer requests via telephone and email.
Credit & Customer Service Manager
Notes & Queries, Inc
Baltimore, MD
03.1994 - 06.2004
- Started as Customer Service Rep as a new position within the company and later promoted to Credit Manager
- Opened new accounts and handled large chain accounts with details for warehouse by providing a key account sheet with restrictions for shipping
- Attended trade shows in New York for 8 years and assisted in writing orders with buyers from US and international
- Handled the shipment from the time of approved credit until the shipments were paid in full
- Attended new sample meetings on new products to cross sell to customers.
- Minimized accounts receivable collections and reconciled customer billings and statements.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with the sales team and customers to negotiate payments and reconciled accounts.
Education
High School Diploma - undefined
Parkville Senior High School
Skills
- Credit reports
- Strong communication skills
- Collections processing
- Customer relations
- Account reconciliation specialist
- Account auditing
- Time management
- Credit adjustments
- Superior attention to detail
- Customer service
Timeline
Credit Representative
FXI
11.2011 - Current
Credit Assistant
Arlon, Inc
12.2007 - 07.2011
Credit Representative
Stanley Black & Decker
03.2005 - 12.2007
Credit & Customer Service Manager
Notes & Queries, Inc
03.1994 - 06.2004
High School Diploma - undefined
Parkville Senior High School
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