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Jennifer Stewart
Credit & Collections Manager
Ruskin,FL
Summary
Seasoned Collections Supervisor with 25 years in researching and collecting money from B2B and private consumers as well as brining success to the sales and service positions. Built and trained strong team of collections agents to minimize customer disputes and maximize amounts collected. Efficiently handled administrative tasks related to management, including documentation and scheduling.
Overview
22
22
years of professional experience
4
4
years of post-secondary education
Work History
Credit and Collections Supervisor
Signode Industrial Group LLC
Tampa , FL
07.2021 - 08.2022
- Reported on and recommended actions related to financial stability of potential clients.
- Acted as central point of contact for both employees and customers on routine credit and collection issues.
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Counseled debtors on payment options and arranged installment agreements.
- Scheduled employees to provide full coverage of incoming and outgoing calls.
- Interviewed and assisted in selection of candidates for collections positions on team of 11.
- Prepared and delivered performance reviews of 11 collections agents to support continuous improvement of department.
- Identified needs and provided training to clarify expectations of collections agents.
- Worked with customers and collections representatives to monitor documentation, reduce customer disputes and collect invoices in timely fashion.
- Supervised and coordinated activities of collections employees attempting to gather monies owed from consumers.
- Recommended and implemented techniques to improve productivity and cut costs for company.
- Trained collections agents and reviewed work to reach compliance with legal requirements and company policies.
- Documented conversations with consumers and research into accounts.
- Investigated and reviewed credit risks and collections.
- Discussed options with delinquent clients in terms of proposed solutions or foreclosure.
- Collected documents and made portfolios for collections accounts.
- Used skip tracing and other techniques to locate debtors.
- Researched, analyzed and settled disputes weekly.
- Created documents for court such as affidavits, modifications and forbearance agreements.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Maintained high volume of calls and met demands of busy and productive group.
- Processed payments and contracts on accounts.
- Researched accounts and completed due diligence to resolve collection problems.
- Trained new team members on scripts, company services and collection strategies.
- Used probing techniques to determine debtors' reasons for delinquency.
- Achieved performance goals on consistent basis.
- Negotiated to collect balance in full.
- Processed payments and applied to customer balances.
- Set up drafts and processed immediate payments after conducting thorough research and analysis of account.
- Used scripted conversation prompts to convey current account information and obtain payments.
- Processing and completion of all RMA, credits, rebills, scrap materials, scrap invoicing, project and milestone billing.
- Settling of unapplied cash on account and credits.
- Invoicing, write offs and processing of free text invoices.
- Weekly, monthly and quarterly SOP and compliance reporting.
- Quarterly credit limit reviews.
Credit Coordinator II
US Foods
Tampa , FL
10.2019 - 07.2021
- Credit Coordinator covering both Tampa and Boca Markets and oversaw over 32 Territory Managers.
- Monitored daily credit holds and decision making.
- Validated and investigated account discrepancies by working with customers and internal departments.
- Assisted with new customer approval process.
- Tracked and monitored outstanding accounts.
- Supported department's month-end closing processes.
- Maintained high knowledge of current programs, offerings and products.
- Developed initial account plans leveraging sales planning process on focused accounts.
- Sold in assigned territory and accounts, created new business and identified up- and cross-selling areas.
- Advised accounts and assisted through qualification processes.
- Reviewed customer files on regular basis to make sure receivables were in sound condition.
- Complied with internal controls and government regulations.
- Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
- Improved understanding of financial statements, which helped in assessing risk.
- Performed credit reviews on corporations to assess financial conditions.
- Made decisions and recommendations about extending lines of credit.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
Licensing Coordinator
Badcock Home Furniture
Mulberry , FL
06.2019 - 10.2019
- Responded to in-person and telephone requests for information from store locations, attorneys and other involved parties to complete proper background checks to approve employees to be licensed to sell in FL, GA, MS, SC, NC GA.
- Researched or probation orders, sentencing information and other actions.
- Stayed up-to-date multi-state laws and licensing requirements to complete accurate and efficient reviews.
- Maintained business licenses, records, licensing and sales associates insurance on over 370 retail locations and their employees.
- Announced charges and indictments to Regional Managers on potential sales staff.
- Worked closely with applicants to determine eligibility and verify accuracy and integrity of application data.
- Performed routine data entry or document management.
Vendor Project Manager
Concordia Wireless
Carol Stream , IL
02.2018 - 05.2019
- Updated operational methods and oversaw accounting procedures for improved efficiency.
- Maintained relationships with material vendors to lower costs and diversify capabilities.
- Met project deadlines without sacrificing build quality or workplace safety.
- Developed and initiated projects, managed costs and monitored performance.
- Drove team success through shared vision and recognition of quality performance.
- Identified plans and resources required to meet project goals and objectives.
- Planned, designed and scheduled phases for large projects.
- Facilitated communication between internal personnel, contractors and vendors for project cohesion.
- Provided fiduciary oversight to remain within budget constraints, recommending project adjustments where necessary.
- Led project teams through design, construction and launch process.
- Determined content & assembled data required for Bi-Monthly financial reports, reconciled bank statements, credit card transactions for the 3 companies owned.
- Prepare purchase orders and quotes, along with vendor lien waivers, vendor contractions and notarizing of said documents.
- Supported Construction Crew staff in the field with transportation, flights, hotels.
- Ordering of cranes, heavy equipment, gravel, concrete, salt, tow trucks, portable toilets, rental fences and other construction equipment.
Sr Credit Manager
Greco And Sons
Bartlett , IL
09.2014 - 02.2018
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Reviewed and analyzed loan procedures.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Referred delinquent accounts to collections department or outside resources.
- Used DNB and Experian to perform credit appraisals, document verification and loan approvals.
- Developed strategies to expedite payments and customer resolutions.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Compiled data critical to analysis of annual bad debt.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Visited customers to pick up payments and deliver items.
- Filed liens on high risk customers to protect our exposure.
- Directed and supervised 4 people in the department, ensured professional relationships were established and maintained within all levels of the company.
- Responsible for AR Weekly Summary reports, breaking down each collectors percent collected vs percent current.
- Managed 9 Million in receivables weekly for all of Greco's Retail Grocery accounts. Worked closely with all Sales people but was managing 13 directly.
- Implemented a new Credit Card System as well as a check by fax/Phone System.
- Responsible for all major chain accounts due to my high level of detail and knowledge of these accounts.
Senior Credit Manager
Champion Logistics Group
Northlake , IL
01.2001 - 09.2014
- Managed staff of 15 in the credit dept, billing, and accounts payable department.
- Accountable for the receivables and collections for all branch offices across the US, while working closely with the Exhibit Houses, Spirit Houses, and other large volume and high maintenance customers to ensure a full service experience with 3rd party billings and special projects.
- Execute all aspects of accounts receivable including cash application, pick up of payments, collections, month end and quarterly reporting, year end audits, filing liens and monthly DSO's. Balancing a general ledger daily, charging credit cards.
- Maintain a high level reputation by providing excellent customer service and managing multiple rapidly changing priorities in a fast paced environment.
- Organize, set priorities and use sound independent judgement while maintaining confidential and sensitive information.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored accounts for signs of fraud and non-payment issues.
- Developed strategies to expedite payments and customer resolutions.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Optimized credit approval and collection processes, improving operational efficiencies to bring accounts current to 45 days.
- Referred delinquent accounts to collections department or outside resources.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Provided training and consulted with struggling teams to help meet monthly target goals.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Compiled data critical to analysis of annual bad debt.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Awarded Employee of the month 3 times, Bronze Employee of the month 2 times, Silver 2 times and received in 2011 an award and recognition for my accounts being 97% current.
Education
Associate of Science - Accounting And Business Management
Triton College
River Grove, IL 01.1996 - 10.1999
Skills
Collections Procedures
undefinedSoftware
Excel
Word
AX
Great Plaines
JD Edwards
Encore
Oracle
Timeline
Credit and Collections Supervisor
Signode Industrial Group LLC
07.2021 - 08.2022
Credit Coordinator II
US Foods
10.2019 - 07.2021
Licensing Coordinator
Badcock Home Furniture
06.2019 - 10.2019
Vendor Project Manager
Concordia Wireless
02.2018 - 05.2019
Sr Credit Manager
Greco And Sons
09.2014 - 02.2018
Senior Credit Manager
Champion Logistics Group
01.2001 - 09.2014
Associate of Science - Accounting And Business Management
Triton College
01.1996 - 10.1999
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