Results-oriented Credit Analyst skilled in evaluating credit data, managing claims, and analyzing financial statements to assess risk and ensure compliance with lending standards. Known for fostering cross-team relationships and delivering outcomes aligned with organizational objectives. Committed to driving financial integrity and supporting informed decision-making.
5
years of professional experience
Work History
Credit Analyst / Accounts Receivable Analyst
1 Year 9 Months
Goya Foods, Inc. | Miami, FL | 10.2024 - 07.2026
Manage a diverse portfolio of national and regional retail, grocery, wholesale, foodservice, and distribution accounts while ensuring timely collections, minimizing credit risk, and maintaining healthy customer relationships.
Perform credit analysis and evaluate customer payment trends.
Monitored customer aging reports and proactively collected past-due balances to ensure timely payments.
Investigated and resolved invoice discrepancies, deductions, chargebacks, shortages, pricing issues, and payment disputes to maintain account accuracy.
Prepared weekly and monthly aging reports for management to provide insights on account status and collections efforts.
Collaborate with Sales, Customer Service, Transportation, Claims, and Accounting departments to resolve account issues.
Maintain strong relationships with customers while negotiating payment resolutions.
Utilize Microsoft Excel to analyze financial data, create reports, and monitor account performance.
Process credit memos and maintain accurate customer account records.
Piggly Wiggly
BJ’s Wholesale
Cheney Brothers
Cook Unity
Costco
CVS/Navarro
DoorDash
Food Depot
Gordon Food Service
Jetro Restaurant Depot
Milam’s Markets
Save A Lot
Sedano’s
Wild Fork Foods
Levy Restaurants
Little Caesar Enterprises
Goya Puerto Rico
Goya Foods of California
Goya Foods of Texas
Goya Santo Domingo
Sazon, Inc
Substitute Teacher
9 Months
Kelly Education | Miami, FL | 02.2024 - 11.2024
Maintained structured classroom environments, ensuring compliance with district policies to support student learning.
Adapted quickly to different classroom settings and grade levels.
Communicated effectively with teachers, administrators, and students.
Demonstrated effective organization and leadership, fostering a positive learning atmosphere and addressing student needs.
Shift Manager
2 Years 9 Months
Army & Air Force Exchange Service (AAFES) | Hawaii | 03.2021 - 12.2023
Managed employee scheduling to optimize operational performance and meet staffing needs.
Supervised daily retail operations, ensuring accurate financial transactions and compliance.
Monitored inventory and cash handling to maintain accuracy and streamline financial reconciliations.
Improved workflow efficiency while maintaining compliance with company policies.
Collaborated with Army personnel to support procurement and operational requirements.
Education
Master of Science - Business Administration
National American University | Rapid City, SD | 02-2026
With Distinction
3.9 GPA
Bachelor of Science - Accounting
National American University | Rapid City, SD | 01-2024
Associate of Science - Accounting
National American University | Rapid City, SD | 01-2021