Overview
Work History
Education
Skills
Timeline
Generic

Cristian Navarro

Houston,TX

Overview

10
10
years of professional experience

Work History

Credit and Collection Analyst

cashline solutions
Houston, Texas
04.2025 - Current
  • Analyzed customer accounts for overdue payments and collection strategies.
  • Assisted in processing credit applications and evaluating risk factors.
  • Communicated with clients to negotiate payment plans and resolve disputes.
  • Reviewed account statements to identify discrepancies and recommend solutions.

Credit and Collection Analyst

Floworks International LLC
Houston, Texas
11.2023 - 03.2025
  • Established and maintained positive relationships with a portfolio of over 800+ customers, encouraging timely payments and reducing default rates through effective communication and follow-up. Increased collections success by implementing strategic negotiation techniques and offering flexible payment plans, improving recovery outcomes. Identified trends in delinquent accounts, proactively recommending corrective actions that helped minimize loss exposure. Developed and implemented customized solutions tailored to individual debtor circumstances, significantly enhancing overall recovery rates. Managed 800+ accounts simultaneously, balancing a high volume of accounts while ensuring excellent customer service and adherence to payment terms. Reviewed and approved credit applications, evaluating financial risk and creditworthiness based on financial statements and D&B reports. Conducted in-depth reviews of Dun & Bradstreet (D&B) reports and customer financial statements to assess credit limits and make informed lending decisions. Reviewed financial statements and customer ratios to approve new lines of credit or increase existing lines, ensuring a balanced and responsible approach to credit management. Signed lien waivers and other legal documents in compliance with company policy, ensuring legal protection and accurate contract documentation. Coordinated with third-party collections agencies for escalation of high-risk accounts, improving recovery outcomes and reducing delinquent balances

Credit and Collection Analyst

Arrow Electronics
Guadalajara, jalisco
04.2019 - 10.2023
  • Emphasized the role in approving and increasing credit lines by reviewing financials and ratios, demonstrating your involvement in risk management and financial decision-making. Arrow Electronics | Houston, USA Credit and Collections Specialist 02/2021- 10/2023 Arrow Electronics | Houston, USA Collections Associate 04/2019- 01/2021 Sealed Air Cash Applications Specialist 08/2015- 03/2019 Continued to focus on customer relationship management and delinquent account resolution, all while balancing a high-volume portfolio. XLOOKUP: Highlighted your proficiency in Excel by mentioning XLOOKUP, which is a valuable skill for managing and analyzing aging reports. Aging Report Collection: Clearly stated your involvement in collecting from aging reports, showing your expertise in tracking overdue accounts and prioritizing collections. 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 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 Application Specialist

Sealed Air
Guadalajara, Jalisco
05.2015 - 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-off

Education

Associate of Arts - Law

Universidad De Guadalajara
Guadalajara, Mexico
05-2018

Skills

  • Credit analysis
  • Risk assessment
  • Financial statement review
  • Portfolio management
  • Effective communication
  • Payment negotiations
  • Debt negotiation
  • Account reconciliation
  • Process improvement

Timeline

Credit and Collection Analyst

cashline solutions
04.2025 - Current

Credit and Collection Analyst

Floworks International LLC
11.2023 - 03.2025

Credit and Collection Analyst

Arrow Electronics
04.2019 - 10.2023

Cash Application Specialist

Sealed Air
05.2015 - 03.2019

Associate of Arts - Law

Universidad De Guadalajara

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Cristian Navarro