Hi, I’m
Judi Scoggin
Cypress,USA
Summary
Results-oriented professional with experience and proven knowledge of credit and collections, financial statements, and risk management at a Fortune 500 Company within Manufacturing, Supply Chain and Distribution Industry.
Diligent Credit Manager with comprehensive background in regional credit management. Proven track record of optimizing credit policies and reducing delinquency rates, ensuring financial stability. Demonstrated excellent analytical and decision-making skills in assessing credit risk and leading cross-functional teams.
Overview
34
years of professional experience
Work History
Yamaha Corporation of America
Regional Credit Manager
01.2019 - Current
Job overview
- Manage B2B A/R portfolio averaging $62MM and maintain DSO below budgeted limit
- Credit Analysis and Financial Statement Review
- Determine appropriate credit limits and release orders to maximize sales while mitigating credit risk
- Establish and maintain customer relationships fostering open communication and positive brand experience
- Monitor accounts aging and contact clients to discuss delinquent accounts and payment arrangements
- Monitor accounts and review reports to ensure accuracy and compliance with laws and regulations
- Prepare AD Hoc and monthly reports on A/R, bad debt, collection metrics, disputes, and deductions for credit and sales meetings
- Mentor/train junior staff
- Document SOP, process improvements, and training
- Negotiated favorable payment terms with high-risk clients, mitigating potential financial exposure.
- Optimized cash flow by closely managing accounts receivable aging and promptly addressing overdue balances.
- Implemented efficient workflow processes, enabling the timely resolution of outstanding invoices and disputes.
- Reduced bad debt losses with rigorous monitoring of delinquent accounts and timely collection actions.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.
- Prepared reports of findings and recommendations.
Yamaha Corporation of America
Credit Administrator
08.2016 - Current
Job overview
- Process new credit applications, correspond with dealers to obtain customer financials and completed contracts, verify customer details, set up open terms and prepay dealer accounts
- Managed approximately 50 incoming calls, emails and faxes per day from customers
- Prepare and manage legal documentation using various systems including Salesforce and DocuSign
- Maintain and update all regional dealer accounts using salesforce, Oracle and SharePoint
- Provide coverage in processing A/R, including bank deposits
- Credit Managers regarding final credit application approvals and tasks completed on maintenance of dealer accounts
- Generate monthly production reports, maintain production logs, and offer website support to dealers
- Worked with customers to answer questions, resolve disputes and research discrepancies.
- Received inbound customer calls related to credit and accounts receivable.
- Demonstrated exceptional attention to detail in reviewing financial statements, tax returns, and other documentation as part of the underwriting process.
- Increased overall customer satisfaction with timely communication regarding their credit applications and account inquiries.
- Collaborated with sales teams to provide accurate, up-to-date information about applicant qualifications for loans or lines of credit.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Powell Roberts Inc.
Legal Administrator
03.2011 - 12.2014
Job overview
- Prepare, edit, and process Estate Planning documents for Attorney's
- Trust Administration and Probate
- Prepared Grant Deeds and other property related documents
- Arrange and notarized legal documents with clients
- Tracked time and billing for Attorney client relationships
- Prepare customer billing invoices and A/R
- Notarized estate plan documents with clients and prepared property deeds for recording
- E-filed court documents
- Created word and excel forms to track client progress
- Developed organized systems for tracking court dates, deadlines, and appointments to ensure accuracy and timeliness.
- Reduced errors in legal documents by closely proofreading and editing drafts before submission.
- Improved office workflow by streamlining administrative processes related to scheduling meetings, document management, and filing systems.
- Managed client billing processes, improving accuracy while reducing payment processing times.
- Assisted with trial preparation tasks such as exhibit creation, witness coordination, and briefing materials compilation.
- Increased client satisfaction by promptly addressing concerns and providing clear explanations of complex legal issues.
- Collaborated effectively with colleagues across various departments to support the overall success of the legal team.
- Drafted professional correspondence on behalf of attorneys, fostering positive relationships with clients and opposing counsel.
Dove Financial Group
Mortgage Broker, Owner/Sales
01.2005 - 01.2011
Job overview
- Originated and closed residential mortgages including new purchase, refinance, home equity lines of credit, and government sponsored loans
- Provided loan counseling to clients
- Analyzed financial statements, production reports, tax returns, and credit documentation for accuracy and compliance for investor guidelines
- Analyze complex loan transactions and uploaded all loan documents for DU and DO credit approvals
- Oversaw processing and underwriting of all residential loan applications
- Provided effective communication and professional partnership with Escrow Officers, Title Agents, Underwriters and Loan Processors
- Managed loan pipelines efficiently, promptly addressing any issues or concerns that arose during the mortgage process.
- Explained entire mortgage loan process to borrower.
Sun Mortgage & Lending
Loan Officer/Processor/Net Branch Operator
09.2000 - 01.2005
Job overview
- Originate residential mortgage loans for purchases as well as refinance transactions
- Analyzed home loan applications, credit analysis, property specifications, preparation of legal documentation and completed loan transactions from start to finish
- Ordered required loan verification and conducted subsequent follow up with customers and internal contacts as needed
- Developed pipeline management tools to aid in organization and effectiveness
- Corresponded with Escrow, Title, Lender and Clients to ensure all loan conditions and required reports and documents were received in timely order
Park Water Company
Customer Service, Accounting, Human Resources
07.1990 - 08.2000
Job overview
- Over 10 years of experience handling customer accounts, payroll, accounts payable and further advancing to Human Resources handling all employee benefit records and requests
Education
Cerritos CollegeCerritos, CA
Accounting and Business
01.1995
Skills
- Relationship Management
- Credit and Collections
- Credit Risk Management
- Credit and Financial Statement Analysis
- Management of Systems and Data bases for clients
- Microsoft Office
- Excel
- Salesforce
- Oracle
- Mentoring and training
- Teamwork and collaboration
- Problem-solving abilities
- Excellent communication
- Critical thinking
- Time management abilities
Professionalgroupsandeducation
- National Notary Association, Member
- Riemer Credit Group (Music and Sound), Member
- Cerritos College, Accounting and Business, 1990-1995
- CA Real Estate Broker License, #01175480
Competenciesandskills
- Relationship Management
- Credit and Collections
- Credit Risk Management
- Financial Statement Analysis
- Negotiation
- Account Reconciliation
- Order Releases
- Prepare adjustments
- Research complex credit issues and approvals
- Management of Systems and Data bases for clients
- Microsoft Office
- Excel
- Salesforce
- Oracle
- Customer Centric
Timeline
Regional Credit Manager
Yamaha Corporation of America
01.2019 - Current
Credit Administrator
Yamaha Corporation of America
08.2016 - Current
Legal Administrator
Powell Roberts Inc.
03.2011 - 12.2014
Mortgage Broker, Owner/Sales
Dove Financial Group
01.2005 - 01.2011
Loan Officer/Processor/Net Branch Operator
Sun Mortgage & Lending
09.2000 - 01.2005
Customer Service, Accounting, Human Resources
Park Water Company
07.1990 - 08.2000
Cerritos College
Accounting and Business
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