Cheryl Smith
LifeMap- Previously USABLE
EVERETT
22
years of professional experience
Credit & Collections / Accounts Receivable Professional with 15+ years of experience in credit analysis, collections, accounts receivable, and billing operations. Proven self-starter who thrives in independent roles while effectively collaborating cross-functionally. Recognized for strong analytical skills and the ability to evaluate processes, identify inefficiencies, and implement improvements that enhance cash flow, operational efficiency, and overall productivity. Demonstrates a consistent track record of reducing aging, strengthening customer relationships, and driving process improvements that support business objectives.
Experienced with managing accounts receivable processes and ensuring timely collections. Utilizes strong analytical skills to resolve billing discrepancies and enhance cash flow. Track record of effective financial analysis and customer service, contributing to overall business success.
Work History
AR SPECIALIST- Premium Billing Specialist II
3 Years 9 Months- Post payments via Wells Fargo Lockbox
- Posting Manual Payments checks and wires.
- Create Invoices
- Recons
- Terminations & Delinquencies
- Payment History
- Account Resolution & Billing.
Collections Analyst
3 Years 1 Month- Monitor and collect on an assigned customer portfolio that could be either domestic or international.
- Daily follow up on past due and forthcoming due invoices.
- Dispute resolution & research
- Cash Application
- Reconciliation of account and payment details.
- B2B Collections .Reduction of the aging.
- Ensure timely escalation of issues to management and other functions as appropriate.
- Accounting responsibilities such as account reconciliations & Credit Evaluations.
- High dollar portfolio.
- Special projects, cash forecasting.
- Reducing bad debt. Cash Applications.
Accounts Receivable Specialist
7 Months- Assign bad debt to Collections.
- Cash Applications
- Accounts on credit hold.
- Monitor and collect on an assigned customer portfolio that could be either domestic or international, including continuous follow up on past due and coming due invoices, dispute resolution, and reconciliation of account and payment detail.
- Work with the credit desk to establish and review customer credit limits.
- Review and release on hold orders.
- Identify areas for process improvement and apply both individual assignments and team responsibilities.
- Create and update standard work.
- Work within and understand regulations and best practices surrounding collections.
- Ensure timely escalation of issues to management and other functions as appropriate.
- Assist with accounting responsibilities such as account reconciliations.
Collections Analyst
11 Months- Cash Applications
- B2B Collections
- Aging
- Customer Service
- Assign bad debt to Collections.
- Accounts on credit hold.
- Work with the credit desk to establish and review customer credit limits.
- Review and release on hold orders.
- Identify areas for process improvement and apply to both individual assignments and team responsibilities.
- Create and update standard work.
- Work within and understand regulations and best practices surrounding collections.
- Ensure timely escalation of issues to management and other functions as appropriate.
- Assist with accounting responsibilities such as account reconciliations.
Credit & Collections Specialist
6 Months- B2B Collection Calls
- Cash Application
- Aging
- Customer Service
- Assign bad debt to Collections.
- Accounts on credit hold.
- Work with the credit desk to establish and review customer credit limits.
- Review and release on hold orders.
- Identify areas for process improvement and apply to both individual assignments and team responsibilities.
- Create and update standard work.
- Work within and understand regulations and best practices surrounding collections.
- Ensure timely escalation of issues to management and other functions as appropriate.
- Assist with accounting responsibilities such as account reconciliations.
Collections Specialist
1 Month- Covering for someone on medical leave Collection Calls- B2B
- Cash Application
- Working the Aging
- Customer Service
- Assign bad debt to Collections.
- Accounts on hold.
Customer Service Specialist
1 Year- Assign bad debt to Collections.
- Issue refunds and issue credits to member invoices.
- Platinum level of NCSAT maintained.
- Highest customer ratings
SELF EMPLOYED
4 Years 4 Months- Managing shipping and receiving of goods that had been purchased through an online system.
- Incoming and outgoing collection calls a minimum of 250 daily.
- Account Receivables (10+ years).
- Assign bad debt to Collections.
- Ability to work independently, quickly with a small margin of errors.
- Collection Calls to bring the aging current.
- Reducing the A/R balances for the Company.
- Set up and managed cash payment posting of all receivables. I was responsible for accounting.
- Reconciliation and banking for all incoming transactions. I managed all data entry functions.
- Brought on new clients and evaluated their goods to assess value and add them to our inventory.
Senior AR Specialist
9 Years 4 Months- Banking. This was a 1-million-dollar lockbox daily processing. This was processed through our SAP software. Chargebacks and misapplied payments were also part of the duties with lockbox processing. Bank reconciliation was a responsibility for A/R.
- Desktop deposit to deposit all incoming checks that are not processed through the lockbox.
- Excel spreadsheets for daily reporting.
- Cash Applications Return checks.
- Credit cards and reconciliations.
- Payroll deductions and commissions.
- Journal entries posted in the SAP software.
- Effectively reducing the aging.
- Outbound and inbound in-house collection calls.
Education
Associate of Arts
Skills
Accounts Receivable (10+ years)
B2B Collections Domestic & International (8+ years)
Billing (10+ years)
Credit/Collections (10+ years)
Cash Application (10+ years)
Customer Service (10+ years)
Collections Management (5 years)
Bank reconciliation (10+ years)
High keystrokes data entry (10+ years)
E-commerce (10+ years)
JE Accounting (10+ years)
Excel (10 years) V-lookup
Pivot
SAP (10+ years)
Oracle (5 years)
NetSuite (5 years)
Salesforce (5 years)
ARIBA (8 years)
Payment tracking
Relationship building
Strong client relations skills
Client communication
Customer account reconciliation
Professional ethics
Accurate payment posting
Invoice processing
Payment plan negotiation
Accounting software proficiency
ERP systems
Account reconciliation
Accounts receivable management
Credit analysis
Cash application
Month-end closing procedures
Process improvements
Dispute resolution
Aging reports analysis
Statement preparation
Finance
Research and due diligence
Collections management
Payment posting
Bank deposits
Auditing support
General ledger maintenance
AR aging reports
Month-end closing
Accounts receivable
Claims processing
Microsoft Excel
Collections
General ledger
Team bonding
Credit and collections
Spreadsheets and journal entries
Customer service
Timeline
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SELF EMPLOYED
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09.2013 - 01.2018Read More
Senior AR Specialist
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Edmonds Community College
Associate of Arts
Read More