Christina McGrath

Reno,NV

Summary

Results-driven Area Credit Manager known for productive and efficient task completion. Specialize in risk assessment, credit policy implementation, and stakeholder relationship management. Excel in decision making, problem-solving, and communication, leveraging these soft skills to navigate complex financial landscapes and drive organizational success.

Overview

years of professional experience

Certification

Work History

Area Credit Manager

SRS Distribution

Reno, NV

06.2024 - Current

Implemented credit scoring models to streamline the credit approval process.
Coordinated approval or rejection of lines of credit or commercial, real estate or personal loans.
Established credit limits by analyzing financial information and assessing market conditions.
Performed regular audits of customer accounts for accuracy in order to prevent financial losses due to improper data entry or reporting errors.
Completed ongoing professional training to facilitate accurate and productive credit management.
Enhanced customer satisfaction by providing timely and informed credit decisions.
Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
Prepared and presented regular reports on credit risk exposure and performance to senior management.
Maintained accurate records of all customer transactions, payments, credits, returns.
Participated in meetings with senior management teams in order to discuss overall strategy for managing customer credit risk.
Evaluated and approved credit applications based on thorough financial analysis and risk assessment.
Reviewed accounts for signs of fraud and non-payment issues.
Developed and implemented financial strategies to maximize profits and reduce costs.
Submitted delinquent accounts to collections department or outside resources.
Negotiated terms with clients facing financial difficulties to maximize recovery and maintain relationships.

Office Manager

Washoe Building Supply Inc.

Sparks, NV

12.2012 - 06.2024

Prepared bank deposits by verifying and balancing receipts and sending cash and checks to banks.
Prepared and processed payroll.
Updated and maintained depreciation, amortization, and prepayment schedules.
Classified and summarized financial data to compile and enter in financial records
Reconciled intercompany accounts on a regular basis.
Completed and submitted tax forms and returns, workers' comp forms and pension contribution documentation.
Maintained full compliance when executing and tracking bank reconciliations, A/P, invoicing, billing and collections.
Developed internal control procedures to ensure accurate recordkeeping.
Recorded debit, credit and account transactions in computer spreadsheets and databases.
Handled sensitive financial information with confidentiality and integrity.
Conducted month-end and year-end close processes, ensuring accuracy of financial reporting.
Reconciled bank statements to internal accounts monthly, identifying and resolving discrepancies.
Managed inventory records, adjusting entries for discrepancies and reporting changes.
Processed expense reports, including verification of receipts and compliance with policies.
Handled accounts payable and receivable, including invoicing and payment processing.
Checked postings and documents for correctness, accuracy and proper coding.
Maintained and reconciled general ledger accounts.
Maintained accounts payable and receivable, ensuring timely billing and payment processing.

Education

Truckee Meadows Community College