Candice Miller
Dayton,OH
Summary
Credit Manager with experience in credit policy, risk assessment, and debt restructuring. Manages portfolios and builds strong client relationships to deliver effective credit solutions. Ready to contribute expertise to a high-performing credit management team.
Overview
10
10
years of professional experience
Work History
Senior Credit Manager (Contract)
AmeriWater
11.2025 - 07.2026
- Reduced bad debt 40% in four months by tightening collections and managing accounts directly.
- Monitored and managed customer accounts to keep overdue invoices moving toward payment.
- Contacted clients by phone, email, and letter to follow up on past-due accounts. Investigated and resolved payment discrepancies, short payments, and disputed invoices.
- Maintained accurate, detailed collection notes for each account.
- Worked with sales and customer service to clear billing or service issues blocking payments.
- Prepared and summarized aging reports and updated management on collection progress.
Area Credit Manager
Winsupply Inc
06.2023 - 07.2025
- Managed all credit and collections tasks, from setting new credit policies to negotiating disputes.
- Reviewed and approved customer requests for payment-term and credit-limit changes after financial review.
- Negotiated payment plans to clear past-due balances and prepared delinquents for outside agencies.
- Maintained compliance with debt-collection laws and protected lien and bond rights. Prepared reports for senior management, including monthly aging and bad-debt write-off recommendations.
- Answered customer billing and payment questions promptly, improving account relationships.
- Worked with accounting to reconcile receivables and improve day-to-day operations.
Customer Service & Collection Manager
Account Control Technology
01.2020 - 06.2023
- Managed and mentored a 25-person team of customer service and collections representatives.
- Cut delinquency rates by creating and implementing a new teamwide collection strategy.
- Audited at least 15 recorded calls per team member to ensure compliance with debt collection laws and company policies.
- Monitored key metrics, gave targeted feedback, and took corrective actions to improve performance.
- Handled and resolved complex escalated customer calls, doing research to bring accounts current.
- Prepared and presented daily bad debt projection reports for management and monthly performance summaries for each team member.
- Held weekly team meetings to review performance and new information, and ran monthly one-on-ones to address individual challenges, performance, and compliance.
- Coached team members with below-average performance scores through focused coaching sessions.
Collection Representative
Synchrony Financial, GE Capital
02.2016 - 01.2020
- Built and kept positive customer relationships by answering questions and resolving account issues.
- Called delinquent customers to negotiate payment plans and persuaded them to clear balances.
- Applied legal and department policies to collection calls, keeping every contact compliant.
- Worked with managers on complex delinquencies and flagged customers who qualified for credit extensions.
- Managed a large portfolio of accounts while keeping detailed, accurate records.
Education
Associate of Science - Social Work
Sinclair Community College
Dayton, OHSkills
- Portfolio management
- Credit policy development
- Account Management
- Credit risk assessment
- Debt restructuring
- Client relationship management
- Teamwork and collaboration
- Credit analysis
- Expertise in Excel
- Attention to detail
- Time management
- Excellent communication
- Application processing
- Regulatory compliance
- Relationship management
- Risk mitigation
- Credit reports
- Customer engagement
Timeline
Senior Credit Manager (Contract)
AmeriWater
11.2025 - 07.2026
Area Credit Manager
Winsupply Inc
06.2023 - 07.2025
Customer Service & Collection Manager
Account Control Technology
01.2020 - 06.2023
Collection Representative
Synchrony Financial, GE Capital
02.2016 - 01.2020
Associate of Science - Social Work
Sinclair Community College