Karen J. Layne
Houston,TX
Summary
Results-driven Senior Credit & Collections Specialist with 12+ years of progressive experience in healthcare, commercial, mortgage, and manufacturing industries. Skilled in insurance collections, billing dispute resolution, payer communication, financial analysis, and credit risk management. Adept at analyzing trends, escalating payment delays, and leveraging contract protections to secure timely reimbursement. Proficient in ERP systems (Microsoft Dynamics, SAP), payment portals (Ariba, Taulia, Coupa, Open Invoice), and CRM tools (Salesforce). Recognized for consistently surpassing collection goals, reducing DSO, and strengthening payer relationships. Bilingual: English & Spanish.
Overview
19
19
years of professional experience
Work History
Credit Analyst
Stratum Reservoir, LLC
04.2022 - 08.2025
- Resolve account discrepancies and ensure collections surpass targets by maintaining low DSO.
- Monitor claims and payments through Ariba, Open Invoice, Taulia, and Coupa; escalate payer delays as necessary.
- Review contracts for terms/conditions to protect company interests and leverage in disputes.
- Forecast payment trends based on historical data, credit reports, and D&B analytics.
- Partner with sales and finance teams to identify payer issues, document actions, and escalate unresolved disputes.
- Prepare collection reports and present findings to management on payer behaviors and claim delays.
Credit Specialist
TDI Industries
05.2021 - 04.2022
- Processed credit applications and determined payer risk using external credit sources.
- Submitted invoices in payer portals (Ariba, Coupa, GEP Smart); resolved payment discrepancies and delays.
- Collaborated with AR teams to escalate unresolved receivables and secure commitments for payment.
- Prepared weekly AR trend reports and presented to leadership for decision-making.
Senior Credit & Collections Specialist
Lamons Gasket Co.
10.2020 - 04.2021
- Managed collections, resolved claim processing delays, and maintained low DSO.
- Disputed denied or delayed payments with supporting documentation.
- Corrected billing errors and ensured invoices met payer requirements.
- Escalated problematic accounts and tracked payer responsiveness.
Senior Credit Lead
ADT Commercial / Red Hawk Fire & Security
12.2008 - 09.2020
- Supervised collections team; coached on payer disputes and escalation strategies.
- Conducted weekly meetings with branch managers/RVPs to review AR aging and payer trends.
- Escalated payer non-responsiveness and managed high-risk accounts for resolution.
- Reduced DSO by 17 days across multiple regions and exceeded collections goals by 134% in 2019.
- Prepared documentation to support contract enforcement, credits, and write-offs.
Default Collections Supervisor
Litton Loan Servicing
11.2006 - 12.2008
- Supervised mortgage collections team handling late-stage defaults.
- Trained staff on payment negotiations, dispute resolution, and system navigation.
- Conducted performance reviews and improved efficiency/handling times.
Education
Master of Business Administration (MBA) - Business Administration
University of Phoenix
Phoenix, Arizona12.2008
Bachelor of Arts (BA) -
University of Texas At El Paso
El Paso, TX05.1990
Skills
- Insurance Collections (Medicare, Medicaid, Commercial, Workers’ Comp)
- Claims Resolution & Payer Dispute Management
- Credit Risk Assessment & Financial Statement Analysis
- Escalations, Trend Identification, & Reporting
- Billing Accuracy & Payment Compliance
- ERP & Payment Portals: Microsoft Dynamics, SAP, Ariba, Taulia, Coupa, GEP Smart
- CRM & Data Analytics: Salesforce, Excel, Reporting Tools
- Leadership, Training & Mentoring Teams
Timeline
Credit Analyst
Stratum Reservoir, LLC
04.2022 - 08.2025
Credit Specialist
TDI Industries
05.2021 - 04.2022
Senior Credit & Collections Specialist
Lamons Gasket Co.
10.2020 - 04.2021
Senior Credit Lead
ADT Commercial / Red Hawk Fire & Security
12.2008 - 09.2020
Default Collections Supervisor
Litton Loan Servicing
11.2006 - 12.2008
Master of Business Administration (MBA) - Business Administration
University of Phoenix
Bachelor of Arts (BA) -
University of Texas At El Paso
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