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Elisa Arnold
Corpus Christi,TX
Summary
Experienced with credit collections management, focusing on optimizing financial operations. Utilizes effective negotiation and communication skills to reduce delinquency and improve recovery rates. Track record of leading teams and implementing strategies that align with organizational goals.
Overview
35
35
years of professional experience
1
1
Certification
Work History
Credit & Collections Manager
Swiff-Train Company, LLC Dba: UCX Flooring
06.2005 - 02.2025
- Trained and mentored new team members on best practices in credit collections management.
- Increased overall productivity by implementing automation tools and technology solutions for the collections team.
- Developed strong relationships with customers, fostering open communication to resolve payment issues promptly.
- Reduced delinquency rates through consistent monitoring and follow-up on overdue accounts.
- Achieved successful resolutions for complex collection cases by working closely with legal counsel when necessary.
- Worked closely with customers offering job accounts for bonded jobs. Prepared and mailed lien notices to general contractors and property owners to enforce our lien rights against any outstanding unpaid balances.
- created electronic customer files to reduce paper files. This process allowed immediate access to customer files by the department and upper management as needed.
- Created an electronic tax file for each state on purchases by customers with exemptions from sales tax.
- Worked closely with IT on the creation and implementation of automated payments by customer check &/or credit card. This program allowed a faster turn around on the release of pending orders/shipments. This method also provided a quicker turn around on monies due the company.
- Collaborated with sales and finance teams to ensure proper credit extension and minimize risk exposure.
- Facilitated open communication channels between various departments involved in the credit process, promoting a collaborative approach towards managing accounts receivable effectively.
- Reduced bad debt write-offs through proactive account management and early identification of high-risk accounts.
- Conducted periodic credit reviews to assess customer creditworthiness and adjust limits accordingly.
- Established clear performance metrics, driving accountability within the collections team for meeting or exceeding targets consistently.
- Presented regular reports on departmental performance, providing key insights into areas requiring further attention or action from leadership teams.
- Utilized data-driven analytics to inform decision-making on credit policies and collection strategies, driving continuous improvement in departmental performance.
- Maintained accurate records of all collection activities, ensuring timely reporting to management.
- Developed tailored repayment plans for clients facing financial hardship, enabling successful account resolution while preserving positive business relationships.
- Enhanced revenue recovery by implementing effective credit collections strategies.
- Improved cash flow by negotiating favorable payment terms with clients experiencing financial difficulties.
- Collaborated on collection and dispute resolution issues.
- Responded to requests for new or increased open account credit limits.
- Recruited staff members and oversaw training programs.
- Worked closely with our trade credit insurance company on our receivables ensuring claims were filed in a timely manner. Reported past due customers in a timely manner per policy requirements.
- Assisted with the implementation of the 8X8 VoIP system.
International Credit / Collections Analyst
Fossil Partners
09.2000 - 05.2005
- Identified potential problem areas with customer accounts before they become delinquent by closely monitoring account status changes.
- Analyzed customer accounts, identified past due invoices, and contacted customers to arrange payment.
- Researched complex billing disputed charges or incorrect information on customer accounts.
- Responsible for establishing and enforcing credit limits for international distributors and retail stores by obtaining current credit reports, customer financials, 2 years of profit and loss statements to include 2 interim reports. analyzed economic factors for each customers country of origin.
- Monitored shipments of product to customer ensuring they have met payment guidelines for net terms established. Instrumental in obtaining Letters of Credit for foreign customer with continued monitoring of expirations on payment by LOC. Responsible for releasing orders to customers once commitment of payment had been established.
- Responsible for data entry of all International and Special Market account to include set-up of sold to information, shipping and tax codes using SAP.
- Participated in the conversion of account from joint software systems in Imrex and JBA to SAP software program. Was instrumental in conversion of SAP for the German sand Switzerland offices by traveling to Germany to train the Credit Manager and Master Data team.
Store Manager
Sherwin Willimas Company, Inc.
03.1990 - 10.1998
- Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
- Completed point of sale opening and closing procedures.
- Maintained proper product levels and inventory controls for merchandise and organized backroom to facilitate effective ordering and stock rotation.
- Improved customer satisfaction through staff training in customer service and product knowledge.
- Negotiated price and service with customers and vendors to decrease expenses and increase profit.
- Rotated merchandise and displays to feature new products and promotions.
- Maximized sales by creating innovative visual merchandising displays and store layouts.
- Conducted regular performance reviews for staff members, providing constructive feedback and opportunities for growth.
- Approved regular payroll submissions for employees.
- Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings.
- Increased sales from 400K in 1995 to 972K in 1997.
- Increased operating profit by 103% in 1997 vs. 1996
- Expanded sales of mass market accounts to include school districts, apartment complexes, realtors, multi-family builders, and large industrial commercial customers.
- Worked with manufacturers of industrial equipment to meet guidelines and specifications of industrial coatings.
- Maintained and implemented all accounting procedures contributing to the successful profitability of the retail store to include Credit & Collections, Purchasing, Inventory Control, AR, AP, monthly Profit & Loss, EOM reports and balance sheets.
- Maximized sales and minimized shrinkage through excellent customer service and adherence to standard practices.
- Reconciled daily sales transactions to balance and log day-to-day revenue.
- Supervised guests at front counter, answering questions regarding products.
- Managed financial aspects of store operations, including budget planning, expense tracking, and accurate record-keeping to maintain fiscal responsibility.
- Oversaw loss prevention efforts, minimizing shrinkage by implementing effective security measures and training staff on proper procedures.
- Ensured compliance with all applicable laws, regulations, policies by regularly reviewing store procedures and taking corrective measures when necessary.
- Organized special events such as seasonal sales promotions to drive foot traffic into the store and increase sales opportunities.
- Developed a successful employee retention plan, reducing staff turnover rates significantly.
- Coordinated in-store events to increase foot traffic, partnering with local businesses and community organizations for mutual benefit.
- Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Managed inventory control, cash control, and store opening and closing procedures.
- Addressed customer complaints promptly and professionally, resolving issues to maintain positive relationships with clientele.
- Managed store employees successfully in fast-paced environment through proactive communication and positive feedback.
Education
High School Diploma -
University High School
Waco, TX05-1973
Skills
- Organizational growth
- Risk assessment capabilities
- Decision-making
- Effective communication techniques
- Account reconciliation
- Debt recovery expertise
- Conflict resolution strategies
- Team leadership experience
- Patience and persistence
- Willing to learn
- Teamwork and collaboration
- Adaptability and flexibility
- Customer service
- Relationship building and management
- Recruitment and hiring
- Sales support
Certification
- Texas Bonds & Liens NACM 2007 - 2016
Interests
Timeline
Credit & Collections Manager
Swiff-Train Company, LLC Dba: UCX Flooring
06.2005 - 02.2025
International Credit / Collections Analyst
Fossil Partners
09.2000 - 05.2005
Store Manager
Sherwin Willimas Company, Inc.
03.1990 - 10.1998
High School Diploma -
University High School
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