Dinah. E Delimon
Houston,TX
Summary
Results-driven credit professional overseeing a $260-million portfolio, achieving delinquency rates under 10%. Proven track record in enhancing cash flow through effective payment negotiations and strategic process improvements. Actively pursuing an MBA in Business Analytics to further drive operational success.
Overview
1
1
Certification
16
16
years of professional experience
Work History
Regional Collections Specialist
IRONCLAD ENVIRONMENTAL SOLUTIONS
Houston, TX
01.2025 - Current
- Oversee credit and collections activities for 12 branch locations, managing an accounts receivable portfolio of more than $30 million while enforcing credit policies, mitigating risk, and driving timely collections.
- Drive collection efforts to reduce delinquency, improve Days Sales Outstanding (DSO), and maintain key performance indicators (KPIs) related to cash flow, aging, and portfolio performance.
- Developed collection methods to achieve or exceed company financial goals.
- Developed and implemented strategies for negotiating payment plans with clients facing financial difficulties, enhancing collection outcomes.
- Monitor customer payment trends, assess credit risk, and make recommendations regarding account holds, and account escalations.
- Analyzed account information to identify delinquent accounts and prioritize collection efforts.
- Communicated with clients to facilitate timely payments and address inquiries effectively.
- Managed client accounts to maintain accurate payment records and resolve discrepancies.
- Assisted customers with financial hardship by offering alternative payment plans or other solutions that would benefit both parties.
- Arranged for debt repayment and established repayment schedule based on customer finances.
- Conducted weekly Branch and Collections meetings to align sales and collections strategies, fostering collaboration and accountability.
- Monitored accounts in various stages of delinquency for potential legal action; referred cases as required according to established policies.
- Negotiated credit extensions to assist customers in paying overdue accounts.
- Performed reconciliation of accounts to ensure accurate billing and collections records.
- Analyzed financial statements of debtors to determine feasible payment solutions.
- Collaborated closely with other departments throughout the collection process.
- Liaised with management to identify root causes of account delinquency and collaborated on solutions to enhance revenue recovery.
- Collaborated with legal department officials on bankruptcy cases for management of proceedings and post-petition payments.
- Reviewed Lien waivers, COIs for submission and approval.
- Researched client disputes regarding billing errors or incorrect charges; resolved discrepancies with internal departments.
- Drafted letters outlining repayment plans.
- Led training sessions for new staff on best practices in collections and customer service.
- Completed skip traces on customers failing to respond to collection efforts.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Evaluated financial statements for accuracy and compliance with company standards.
- Assisted in the creation and implementation of policies and procedures for the collections department.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
Credit Analyst (Contractor)
PROFESSIONAL ALTERNATIVES
Houston, TX
01.2024 - 12.2024
- Evaluated business financial health to assess creditworthiness, analyzing financial statements, credit history, and payment trends to determine lending risk and recommend appropriate credit limits.
- Analyzed credit applications and financial statements for lending decisions.
- Reviewed and analyzed financial statements of potential borrowers to determine creditworthiness.
- Prepared detailed credit reports for management review and decision-making.
- Prepared comprehensive credit reports summarizing findings and supporting loan approval or denial decisions.
- Evaluated borrower financial data using industry-standard credit tools.
- Interpreted complex financial data such as balance sheets, cash flow statements and income statements.
- Determined appropriate loan terms based on borrower's creditworthiness.
- Conducted detailed analysis of customers' liquidity, capital structure, borrowing capacity and debt serviceability.
- Monitored and reported on loan portfolios for risk management.
- Communicated effectively with clients to gather necessary financial information.
- Contacted and reviewed trade references to determine client creditworthiness and extension.
- Utilized credit scoring models to rank clients based on their credit risk.
- Assessed collateral values and ensured sufficient coverage for secured loans.
- Developed relationships with external partners such as creditors, appraisers, title companies, in order to facilitate smooth processing of loan applications.
- Analyzed clients' financial statements, market conditions, and industry trends to evaluate risk.
- Participated in regular meetings with internal stakeholders to discuss best practices for managing the organization's loan portfolio.
- Presented key information to upper management and executive team for loan recommendations.
- Managed workload to meet tight deadlines for credit analysis reports and loan decisioning.
- Kept clients informed about progress and status updates throughout the entire process.
- Provided a full range of services including business and financial research, payment negotiations, collaboration with sales teams, account reconciliations, audit support, and general ledger entries.
Key (Strategic) Account Credit and Collections Analyst & Financial Shared Services
OTIS COMPANY
Palm Beach Gardens, FL
04.2017 - 05.2023
- Proactively managed a $260-million portfolio of high-value strategic accounts, utilizing data analysis and strategic thinking to identify potential issues and mitigate risk.
- Negotiated payment terms and arrangements, maintaining strong customer relationships while driving down accounts over 90 days to less than 10%.
- Maximized cash flow for key clients by resolving disputes and ensuring compliance with company policies.
- Compliance & Review: Audited invoices against customer contracts and Master Service Agreements (MSAs) to ensure adherence to agreed-upon terms.
- Processed invoices, maintained financial records, reviewed billing discrepancies, and conducted contract reviews to ensure accuracy within financial shared services.
- Collaborated with internal and external clients to streamline financial operations across billing, contract reviews, general ledger accounting, and reporting.
Business Office Manager
Anguila Cay Senior Living
Lantana, FL
01.2014 - 06.2016
- Oversaw all financial aspects including payroll, budgeting, and monitoring accounts payable and receivable to maintain a healthy cash flow.
- Directed day-to-day office operations, including marketing, patient billing, and insurance claim management to ensure efficient revenue cycle processes.
- Managed and supervised office staff, including hiring, training, performance evaluations, and ensuring adherence to company procedures, labor laws, and compliance standards.
- Audited invoices against customer contracts and Master Service Agreements (MSAs) ensuring billing accuracy and compliance.
- Processed insurance claims and billed patients for outstanding balances, ensuring accurate and timely reimbursement.
- Maintained knowledge of ICD-9 and ICD-10 coding to facilitate accurate billing and payment processing.
- Monitored accounts receivable, advising of delinquencies or other account irregularities.
- Maintained accurate databases and records, ensuring all documentation was compliant with regulatory requirements and company policies.
- Managed confidential company information in compliance with established protocols to protect sensitive data. in accordance with established protocols.
- Developed and implemented procedures to ensure efficient workflow in the office.
- Trained, supervised and evaluated staff performance.
- Enhanced office environment to ensure a safe, clean, and productive workplace for all employees.
- Ensured all medical staff maintained current mandatory certifications and regulatory compliance.
- Collaborated with case managers and insurance providers to review patient records and verify admission eligibility.
- Visited hospitals to identify and develop new patient admission opportunities.
- Represented the facility at networking and community outreach events to build referral relationships and promote services.
- Served as Manager on Duty on a rotating monthly basis, overseeing daily operations and addressing staff and patient needs.
Medical Records Specialist
OBGYN Specialist of the Palm Beaches
West Palm Beach, Florida
10.2010 - 12.2014
- Ensured compliance with HIPAA regulations for patient information security.
- Conducted audits of medical records to ensure accuracy and completeness, enhancing data integrity.
- Conducted quality assurance audits of medical records for compliance with state regulations.
- Assisted in auditing medical records for compliance with legal and regulatory standards.
- Reviewed and updated medical records for completeness and accuracy, ensuring up-to-date patient information.
- Managed patient records using electronic health record systems efficiently.
- Performed data entry into electronic health record systems.
- Entered patient insurance, demographic and health information into software and confirmed records.
- Maintained documentation of all medical records activities, supporting compliance and process improvement.
- Set up patient charts and documented information in various company software.
- Ensured that all required forms were completed accurately and completely prior to storage or release.
- Organized patient charts, gathering medical histories, lab results and consents.
- Scanned and validated medical records for upload.
- Pulled patient records and transferred information to appropriate parties.
- Assisted with chart preparation for upcoming appointments or surgeries.
- Maintained complete confidentiality in accordance with organization and legal requirements.
- Provided friendly and knowledgeable service by answering questions and fulfilling requests regarding patient records.
- Updated patient demographic and insurance information in the medical record system.
Education
Master of Business Administration (MBA) - Business Analytics
Southern Utah University
Cedar City, UT04-2027
Bachelor of Arts (B.A.) - Interdisciplinary Studies
Florida International University
Miami, FL07-2019
Skills
- Collections Strategy
- Credit Analysis
- Creditworthiness evaluation
- Risk Assessment
- Credit evaluation
- Accounts Receivable
- Cash flow management
- Billing & Invoicing
- Contract Review
- Audit Support
- Account Reconciliation
- Dispute Resolution
- Payment Negotiation
- Financial Reporting
- Portfolio Management
- Data-driven decision making
- Data analysis
- Financial analysis
- Process Improvement
- Workflow optimization
- Cross-department collaboration
- Cross-Functional Collaboration
- Compliance Adherence
- Strategic Planning
- Team Supervision
- Staff management
- Performance Optimization
- Competent in processing invoices, maintaining records, contract reviews, general ledger accounting, and audit support to ensure accurate financial operations
- Business analytics
- Negotiation proficiency
- Team oversight
- Negotiation proficiency
Certification
Mortgage Loan Officer
Affiliations
National Association of Credit Management (NACM)
Languages
French
Limited
Creole
Full Professional
Timeline
Regional Collections Specialist
IRONCLAD ENVIRONMENTAL SOLUTIONS
01.2025 - Current
Credit Analyst (Contractor)
PROFESSIONAL ALTERNATIVES
01.2024 - 12.2024
Key (Strategic) Account Credit and Collections Analyst & Financial Shared Services
OTIS COMPANY
04.2017 - 05.2023
Business Office Manager
Anguila Cay Senior Living
01.2014 - 06.2016
Medical Records Specialist
OBGYN Specialist of the Palm Beaches
10.2010 - 12.2014
Master of Business Administration (MBA) - Business Analytics
Southern Utah University
Bachelor of Arts (B.A.) - Interdisciplinary Studies
Florida International University