Laura Ramirez Sabino
New York,NY
Summary
Credit and finance professional with experience in credit management, accounts receivable, collections, cash application, bank reconciliations, and financial reporting. Support credit reviews, AR aging analysis, payment dispute resolution, and cross-functional follow-up with sales, operations, and accounting to maintain accurate records and support cash flow.
Overview
14
14
years of professional experience
Work History
Credit Manager
Massanois Fine Wine & Craft Spirits
New York, NY
09.2025 - Current
- Oversee accounts receivable and collection activities, monitoring aging balances, following up on overdue invoices, managing credit holds, and working directly with customers to resolve outstanding balances and payment discrepancies.
- Manage customer credit portfolios, including reviewing credit applications, evaluating customer creditworthiness, establishing and maintaining credit limits, and monitoring credit exposure to minimize financial risk.
- Prepare and analyze AR aging reports, collection updates, and customer account activity to identify past due balances, assess credit risk, and support cash flow management.
- Manage cash application processes, including researching unapplied payments, investigating short payments and deductions, ensuring accurate allocation of customer payment accounts.
- Perform daily bank reconciliations and monitor incoming payments, including ACH/ETF transactions, ensuring accuracy and timely recording of incoming funds.
- Work with sales, operations and accounting teams to resolve customer account issues, coordinate collection efforts and support business operations.
Consulting, Finance Strategy
New York, NY
09.2024 - 06.2025
- Assisted in developing a comprehensive Chart of Accounts tailored to the company's financial structure and operational requirements.
- Provided financial modeling guidance, including cost recording methodologies, to improve the accuracy and efficiency of revenues and expense tracking.
- Advised on risk management strategies related to sales compensation structures and job offers, evaluating potential impacts on profitability and operational efficiency.
Finance, AR & Logistics Manager
Communal Brands
New York, NY
02.2013 - 02.2024
- Managed finance, accounts receivable, inventory accounting, and logistics operations for a wine company specializing in distinctive, environmentally conscious wine packaging. During 11 years with the company, I gained extensive cross functional experience supporting financial operations, supply chain management, and business performance.
- Supervised team managing daily AR operations, including customer account updates, COD reporting, bank reconciliations, and credit account applications, ensuring accuracy in financial records and timely processing of customer transactions.
- Led financial planning, budgeting and forecasting for supply chain operations, identifying key cost drivers and implementing cost optimization strategies to improve financial performance and support inventory and COGS analysis.
- Prepared month-end P&L updates with variance analysis, identifying trends, risks, and opportunities related to inventory management, COGS, and cash flow to support forecasting and strategic business decisions.
- Conducted detailed financial variance analysis, comparing actual results against forecasted and budgeted figures. Provided actionable insights and recommendations to mitigate risks and improve inventory efficiency and cost control.
- Managed inventory accounting process, including reconciliation of inventory records with financial systems and regular inventory audits to ensure accuracy in valuation.
- Collaborated with Supply Chain, Procurement, and Logistics teams to resolve discrepancies and optimize inventory turnover.
- Streamlined financial reporting processes and implemented improvements to enhance data integrity and decision-making capabilities, developing dashboards and reports to increase visibility into inventory metrics, cash flow, and supply chain costs.
- Managed annual financial planning, including quarterly forecast and multi-year strategic planning, ensuring alignment between inventory levels, procurement costs, and broader business objectives.
Education
Bachelor of Arts - Psychology, Minor in Mathematics
Baruch College
New York, NY06-2012
Skills
Credit management and risk assessment
Collections and dispute resolution
Cash application and aging analysis
Financial reporting and analysis
- Budgeting and forecasting
- Inventory accounting and COGS analysis
- ERP systems: SAP Business One, QuickBooks, Salesforce
- Cross-functional collaboration in operations
- Bilingual: Spanish (native), English (fluent)
Interests
- Torturing myself at Pure Barre
- Spending time with family (big family tree)
- Rooting for NY teams (excepts Jets & Nets)
- Rescuing & fostering cats
Timeline
Credit Manager
Massanois Fine Wine & Craft Spirits
09.2025 - Current
Consulting, Finance Strategy
09.2024 - 06.2025
Finance, AR & Logistics Manager
Communal Brands
02.2013 - 02.2024
Bachelor of Arts - Psychology, Minor in Mathematics
Baruch College