Cheryl (Sherry) Wells
Regional Credit Supervisor, Multi Family Industry
Indianapolis,IN
Summary
Skilled Regional Credit Manager with deep understanding of credit risk management and portfolio strategy. Notable in leveraging technical skills to streamline processes, enhance productivity, and improve operational efficiency. Strong analytical skills applied in previous role to ensure financial stability and mitigate risks for the business. Known for fostering team collaboration, improving customer relationships, and making impactful contributions to overall business growth. 15 Service-oriented Regional Credit Supervisor with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 20 years of financial industry expertise.
Overview
18
18
years of professional experience
Work History
Regional Credit Supervisor
Lowes Pro Supply
Houston, TX
11.2010 - 12.2023
- Monitored accounts receivable balances and aging reports.
- Investigated discrepancies in customer accounts, payment history, or other account information.
- Prepared monthly reports of delinquent accounts for management review.
- Participated in conferences and seminars related to risk management and collections best practices.
- Negotiated payment plans with customers experiencing financial hardship.
- Performed collection activities on past due accounts as necessary.
- Managed and monitored corporate credit policies to minimize risk and ensure compliance.
- Providing direction, instruction, and guidance to all assigned teams. Manage an AR portfolio of 10K accounts totaling $75M+ STRENGTHS Effective Communication Communicate with diverse external and internal customers to build towards successfully reducing company financial risk Project Management Effectively achieve specific project objectives according to the project acceptance criteria Team Leadership Lead teams of multiple level credit associates to Support Kronos Prophet 21 Crystal Reports SXe CSD Cforia MI2 Reporting Billtrust, Zendesk, Tableau ACHIEVEMENTS , trained Credit Team on new systems to include: Tableau, Cforia Autonomy, Maintenance Supply Headquarters with Lowe's Credit & Collections Manager
Credit Collections Specialist
FinishMaster Automotive & Industrial Paint
Indianapolis, IN
03.2006 - 02.2010
- Investigated and resolved customer inquiries regarding billing errors or discrepancies.
- Reconciled accounts receivable ledger to ensure accuracy of balance due.
- Performed follow-up actions such as sending reminder letters or making additional phone calls when necessary.
- Collaborated with sales staff to resolve issues related to delinquent accounts receivable balances.
- Researched customer disputes and recommended appropriate adjustments to accounts as needed.
- Negotiated settlements on past due accounts while adhering to company policies and procedures.
- Located and notified customers of delinquent accounts by mail, telephone, or personal visits to solicit payment.
- Reviewed accounts to determine payment plan compliance.
- Remained calm, stayed professional, and provided exceptional service on calls, even when interacting with difficult individuals.
- Performed reconciliation of accounts to ensure accurate billing and collections records.
- Prepared documentation required for collection and repossession activities.
- Utilized collections software and databases for efficient account management.
- Prepared and sent out demand letters and collection notices to delinquent accounts.
- Conducted detailed account audits to identify discrepancies and resolve billing issues.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Monitored aging reports to prioritize collection efforts on overdue accounts.
- Spoke with customers to learn reasons for overdue payments and to review terms of credit contract.
- Negotiated credit extensions and waivers when necessary.
- Notified credit departments and turned over records to attorneys when customers failed to respond to collection attempts.
- Performed administrative functions for assigned accounts, recorded address changes and purged records.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
- Monitored overdue accounts using automated information systems.
- Answered customer questions regarding account discrepancies or problems.
- Advised delinquent customers on strategies for debt repayment.
Education
Associate of Arts - Business
IUPUI
IndianapolisSkills
- Relationship Management
- Data Interpretation
- Portfolio Management
- Risk mitigation strategies
- Policy application
- Account management
- Risk Assessment
- Expertise in Cforia Autonomy, Bill Trust, Zendesk, Tableau, Excel, Bright Metrics
Timeline
Regional Credit Supervisor
Lowes Pro Supply
11.2010 - 12.2023
Credit Collections Specialist
FinishMaster Automotive & Industrial Paint
03.2006 - 02.2010
Associate of Arts - Business
IUPUI
Similar Profiles
Terry MullanTerry Mullan
Project Support Representative at Lowes Pro SupplyProject Support Representative at Lowes Pro Supply
STACEY HODGSONSTACEY HODGSON
Regional Director Operations Supply Chain at Lowes Pro SupplyRegional Director Operations Supply Chain at Lowes Pro Supply
Ryan RidoutRyan Ridout
Delivery Driver at Lowes Pro SupplyDelivery Driver at Lowes Pro Supply