Summary
Overview
Work History
Education
Skills
Hobbies and Interests
References
Timeline
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Cristian Navarro

Houston,Texas

Summary

Experienced Debt Collector with a demonstrated track record of success spanning 5 years in the industry. Recognized for my exceptional ability to effectively handle a wide range of responsibilities by employing strategic prioritization, setting clear deadlines, and implementing innovative problem-solving techniques. Proficient in key areas critical to debt collection success, including delivering outstanding customer service, executing efficient debt collection strategies, and conducting thorough analysis of aging reports. My extensive background has equipped me with the necessary skills and expertise to excel in this role. While appreciative of the growth and opportunities in my previous position, I am eager to embrace a new career path that presents fresh challenges where I can effectively apply my skills and contribute to achieving organizational objectives.

Overview

9
9
years of professional experience

Work History

Credit & Collections Associate

Floworks International LLC
11.2023 - Current
  • Established positive relationships with customers, encouraging timely payments and minimizing default rates.
  • Increased collections success by implementing effective negotiation strategies and payment plans.
  • Minimized loss exposure by identifying trends in delinquent accounts and recommending appropriate action steps for resolution.
  • Enhanced overall recovery rates by creating customized solutions tailored to individual debtor circumstances.
  • managed 800+ accounts.
  • Review and approve credit applications
  • review D&B and financial statements
  • Sign lien waivers.
  • 3rd party referral

Credit and Collections Specialist

Arrow Electronics
02.2021 - Current
  • Enforce adherence to payment terms and conditions
  • Facilitate credit application process and assess credit limits based on payment history, financial statements, and JDE
  • Manage a diverse portfolio of $30M, ensuring timely and effective collection efforts
  • Utilize various communication channels, including telephone, email, and written correspondence, to engage delinquent customers in accordance with collection policies
  • Identify reasons for delinquency and collaborate with customers to find cooperative resolutions
  • Skillfully negotiate payment arrangements for delinquent balances
  • Demonstrate exceptional organizational skills in efficiently managing multiple types of portfolios
  • Proficient in interpreting financial statements to evaluate customer creditworthiness
  • Possess strong negotiation skills for successful debt collection

Collections Associate

Arrow Electronics
04.2019 - 01.2021
  • Ensure adherence to payment terms and conditions
  • Skillfully negotiate and establish payment plans with customers
  • Identify and address cash flow problems proactively
  • Implement appropriate measures such as credit holds or engagement with third-party agencies as necessary
  • Demonstrate autonomy in making independent decisions, particularly in resolving accounts receivable disputes
  • Collaborate closely with customers to determine the underlying reasons for non-payment
  • Conduct account reconciliation activities efficiently
  • Actively contribute to process improvement initiatives
  • Identify root causes, recommend, and implement effective solutions
  • Establish and update best practices for collections operations

Cash Applications Specialist

Sealed Air
08.2015 - 03.2019
  • Proficiently processed various bank account receipts, including lock box, wires, and ACH transactions
  • Effectively maintained seamless communication between the billing department and sales team
  • Accurately recorded and balanced all cash transactions
  • Demonstrated exceptional customer service skills by handling inquiries and concerns from both internal and external customers
  • Successfully resolved payment reconciliations and addressed other accounts receivable accounting issues
  • Efficiently processed adjustments, refunds, and monthly write-offs

Education

Associate's degree -

Houston Community College
01.2021

Bachelor's Degree -

Universidad de Guadalajara
01.2018

Skills

  • Skip tracing techniques
  • Strong negotiation skills
  • Professionalism and Ethics
  • Stress Tolerance

Hobbies and Interests

  • Actively pursue financial literacy to stay informed about personal finance, debt management, and investment strategies.
  • Engage in continuous learning by attending industry webinars and staying updated on best practices in debt collection and accounts receivable management.
  • Enjoy problem-solving activities, such as puzzles and brain teasers, to sharpen analytical skills needed for resolving account receivable disputes and identifying process improvements.

References

References available upon request.

Timeline

Credit & Collections Associate

Floworks International LLC
11.2023 - Current

Credit and Collections Specialist

Arrow Electronics
02.2021 - Current

Collections Associate

Arrow Electronics
04.2019 - 01.2021

Cash Applications Specialist

Sealed Air
08.2015 - 03.2019

Bachelor's Degree -

Universidad de Guadalajara

Associate's degree -

Houston Community College

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Cristian Navarro