CHERYL ESPOSITO
New Milford,CT
Summary
Experienced and methodical Credit Coordinator with a proven track record in enhancing collections processes and ensuring financial accuracy. Meticulously reviews outstanding balances, reconciles accounts, and prepares comprehensive reports for valuable decision-making insights. Proficient in processing payments, managing credit applications, and resolving discrepancies promptly to maintain strong client relationships.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Billing Specialist
Foley’s pump service
10.2024 - Current
- Creating and sending invoices to clients with accurate details of services and charges
- Recording incoming payments, verifying their accuracy, and updating account balances
- Tracking outstanding invoices and following up with clients on overdue payments
- Investigating and addressing billing issues or discrepancies raised by clients
- Maintaining accurate client information and billing records within the company's system
- Generating reports on billing activity, including outstanding balances and payment trends
- Answering client inquiries regarding billing and payment details
Credit Coordinator-A/R-A/P
Ace Endico Corporation
09.2022 - Current
- Work with Sales and Finance Departments to enhance and support company collections efforts
- Manage portfolio of 200+ accounts by collaborating with Sales & Finance Departments and implementing new collection strategies, enhancing company collections efforts and resulting in 20% reduction in overdue accounts
Mortgage Loan Processor
Prosperity Home Mortgage
03.2021 - 07.2022
- Processed Conforming & Nonconforming Loans, FRMs (Fixed), Arms (Adjustable), GPMs (Graduated), Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA
- Compiled 100+ comprehensive loan submission packages for underwriting department by streamlining submission process, ensuring documentation and information met regulatory and company standards
Mortgage Loan Processor
Aerotek Professionals/Thoroughbred Mortgage
09.2020 - 03.2021
- Processed Conforming & Nonconforming Loans, FRMs (Fixed), Arms (Adjustable), GPMs (Graduated), Jumbo Loans, Fannie Mae & Freddie Mac
- Compiled 50+ comprehensive loan submission packages for underwriting department by streamlining submission process, ensuring documentation and information met regulatory and company standards
Sales and Marketing Manager
Air Mechanical Corp
09.2018 - 10.2019
- Oversee day-to-day sales, monitoring and forecasting to better understand the market
- Designed digital and print campaigns to promote seasonal sales
- Meet marketing and sales financial objectives by forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances; initiating corrective actions
- Improve product marketability and profitability by researching, identifying, and capitalizing on market opportunities
- Take calculated risks to increase profitability and brand recognition
- Responsible for meeting growth objectives around gross margin, EBIT, and Trade working capital (TWC)
Manager Warehouse Inventory/Quality Control Technician
SMT Corporation/Aerospace & Defense
10.2016 - 09.2018
- Responsible for the Employees safety, ESD compliance, time and entries, development of procedures and materials management function relating to the planning, storage, control and distribution of materials and products to meet company objectives and customer requirements
- QC Inspection by identifying new counterfeiting techniques, Son Scan for Acoustic Microscopy Imaging, Rescan for Electron Microscopy
Mortgage Loan processor/A/R/ A/P Clerk/ CSR
Adecco Staffing
06.2015 - 10.2016
- Prepared, printed, and mailed statements, followed up and allocated payment, performed daily reconciliations
- Resolved accounts receivable issues with customers, obtained credit information on customers
- Compiled comprehensive loan submission packages for Underwriting department by streamlining submission process ensuring documentation and information met regulatory and company standards
Full-Time Caregiver
Home health Care Provider
01.2014 - 12.2015
- Provided round-the-clock care for seriously ill family member, including medication management, assistance with activities of daily living, coordinating in-home and out therapies and services, and therapeutic recreation
Financial Analyst
Cartus Asset Recovery
03.2012 - 12.2014
- Processing Short sales and DIL
- Collection of financial documentation, processed for multiple Banking Institutes
- Calculate Income; analyze credit and documentation for completeness
- Assist coworkers in daily processes (Team Player) Exceeded monthly goals (Varied) 40+ monthly with little to no errors
Education
Porter & Chester Institute
Watertown,CT12-2011
Certificate in Cosmetology -
Americo's School of Cosmetology
Danbury, CT06.1998
Skills
- Medical terminology
- English
- Organizational skills
- Billing systems and software
- Invoice processing
- Customer service
- Data entry proficiency
- Decision-making
- Invoice generation
- Payment posting
- Collections
Certification
- Cosmetology License
- First Aid Certification
- Certified Medical Assistant
Timeline
Billing Specialist
Foley’s pump service
10.2024 - Current
Credit Coordinator-A/R-A/P
Ace Endico Corporation
09.2022 - Current
Mortgage Loan Processor
Prosperity Home Mortgage
03.2021 - 07.2022
Mortgage Loan Processor
Aerotek Professionals/Thoroughbred Mortgage
09.2020 - 03.2021
Sales and Marketing Manager
Air Mechanical Corp
09.2018 - 10.2019
Manager Warehouse Inventory/Quality Control Technician
SMT Corporation/Aerospace & Defense
10.2016 - 09.2018
Mortgage Loan processor/A/R/ A/P Clerk/ CSR
Adecco Staffing
06.2015 - 10.2016
Full-Time Caregiver
Home health Care Provider
01.2014 - 12.2015
Financial Analyst
Cartus Asset Recovery
03.2012 - 12.2014
Certificate in Cosmetology -
Americo's School of Cosmetology
- Cosmetology License
- First Aid Certification
- Certified Medical Assistant
Porter & Chester Institute
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