Summary
Overview
Work History
Education
Skills
Timeline
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Debra Roberts

Meridian,TX

Summary

At Vic West Steel, I spearheaded credit management, enhancing risk mitigation through strategic policy development and underwriting improvements. My adept negotiation and research skills fostered robust client relationships and team growth, achieving significant reductions in delinquencies. My leadership not only met but exceeded collection targets, demonstrating a unique blend of analytical prowess and collaborative team-building. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.

Supervised credit managers in numerous states. Maintained performance reviews for submittal to company vice president/CFO.

Overview

21
21
years of professional experience

Work History

Bookkeeper

Mobil Power Wash
08.2005 - 11.2017
  • Maintained and processed invoices, deposits, and money logs.
  • Managed accounts payable and receivable activities, maintaining vendor relationships and positive cash flow.
  • Handled payroll processing for employees, ensuring timely payment and adherence to tax regulations.
  • Monitored incoming payments from clients, ensuring prompt application of funds against outstanding invoices.
  • Completed payroll for employees and maintained detailed records of procedures.
  • Prepared monthly bank reconciliations to ensure accurate representation of company''s financial position.
  • Reconciled and corrected issues with financial records.
  • Tracked expenses and income for businesses while organizing and maintaining bank statements for checking accounts.
  • Established QuickBooks accounting system to reflect accurate financial records.
  • Maintained accurate records of all transactions, ensuring compliance with company policies and applicable regulations.
  • Implemented a more efficient filing system for financial documents, improving accessibility and organization.
  • Reviewed and filed financial documents, coded accounting entries for data processing, and posted daily receipts and payments in accordance with all corporate protocols.
  • Completed tax forms in compliance with legal regulations.
  • Enhanced cash flow management through timely invoicing and collection of outstanding receivables.
  • Communicated proactively with team members regarding any issues or concerns related to bookkeeping tasks.
  • Streamlined accounts payable and receivable management, improving relationships with vendors and customers.
  • Reduced financial discrepancies by performing monthly reconciliations of bank accounts.
  • Boosted efficiency, implemented digital filing system for receipts and invoices.
  • Improved financial accuracy by meticulously recording all transactions in accounting software.
  • Improved tax preparation efficiency, organized and reviewed all relevant financial documents.

Credit Manager for US Operations

Vic West Steel
09.1996 - 09.2004
  • Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Consistently achieved monthly collection targets by prioritizing accounts based on risk level and potential impact on cash flow.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Collaborated with cross-functional teams to develop customized payment solutions that met business needs while minimizing risk exposure.
  • Mentored junior team members in credit management best practices to enhance overall department performance.

Education

None - Accounting And Finance

Tyler Junior College
Tyler

High Diploma -

Hamilton High School
Hamilton, TX
05.1977

Skills

  • Credit Reports
  • Research and due diligence
  • Fraud understanding
  • Policy Development

Timeline

Bookkeeper

Mobil Power Wash
08.2005 - 11.2017

Credit Manager for US Operations

Vic West Steel
09.1996 - 09.2004

None - Accounting And Finance

Tyler Junior College

High Diploma -

Hamilton High School

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Debra Roberts