Leah Marshall
Portland,TX
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Service-oriented in Credit and Sales Lead with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring.
Overview
9
9
years of professional experience
Work History
Area Credit Manager
Butler Mfg
San Marcos, TX
03.2005 - 05.2007
- Work cross-functionally with sales, management and other departments to maintain effective operations.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- 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.
- 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.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Oversaw reporting, documentation and recordkeeping requirements for department.
- Reviewed and analyzed loan procedures.
- Negotiated settlements and payment terms with customers through Action.
- Developed strategies to expedite payments and customer resolutions.
- Used Bulter and Credit software to perform credit appraisals, document verification and loan approvals.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Optimized credit approval and collection processes, improving operational efficiencies by over 85%.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Compiled data critical to analysis of annual bad debt.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Provided training to accounts receivables team and consulted with struggling teams to help meet monthly target goals.
- Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Devised collection recovery strategies to resolve customer issues and delinquent cases.
- Monitored appropriateness of credit limits on customers, making changes to realign operations with policies and targets.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
Credit Specialist
SimplexGrinnell
Houston, TX San Antonio, TX
02.1998 - 05.2004
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Monitored appropriateness of credit limits on customers, making changes to realign operations with policies and targets.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- 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.
- Proactively identified solutions for customers experiencing credit issues.
- Used AS400 and Credit Professional Software to perform credit appraisals, document verification and loan approvals.
- Optimized credit approval and collection processes, improving operational efficiencies by over Number%.
- Provided hands-on training to Job Titles in daily processes and job duties.
- Developed effective relationships with customers, which helped improve overall payment processes.
- Recommended approval or disapproval of commercial, real estate or credit loans.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Monitored accounts for signs of fraud and non-payment issues.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Kept records of customers' charges and payments.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Worked with clients to define and implement terms for approved credit requests.
- Monitored client abilities and account information to determine appropriate credit approval decisions.
- Updated client accounts with new information and verified data for informed credit approvals.
- Prepared reports of findings and recommendations.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Referred delinquent accounts to collections department or outside resources.
- Collaborated with management to evaluate credit strategies and develop improvements.
- Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Managed account data and verified information with clients, past creditors and other involved parties.
- Attended ongoing professional training to facilitate accurate and productive credit management.
- Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
- Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
- Provided resources and expertise for conversion, validation and training required for company-wide software updates.
- Oversaw daily office administration and work performance of accounts receivables, motivating and encouraging staff to enhance productivity and meet demanding internal and customer targets.
Education
Bachelor Of Business - Business Administration And Management
San Antonio College
San Antonio, TXSkills
- Delinquency Monitoring
- Risk Analysis
- Sales Expertise
- Cost and Budget Analysis
- Risk Mitigation
- Microsoft Access
- Policy Development
- Client Relationship Management
- Performance Monitoring
- Government Lending
- Proposal Evaluation
- Policy Implementation
- Property Evaluation
- Operational Efficiency
- Motivational Techniques
- Loan Policy Limits
- Records Management
- Regulatory Compliance
- Strategic Planning
- Legal Requirements
- Industry Best Practices
- Fraud Understanding
- Credit Evaluation
- Standard Operating Procedure
- Procedure Enforcement
- Workflow Coordination
- Appraisal Verification
- Performance Improvement
- Commercial Real Estate
- Correspondence Writing
- Authorizations Knowledge
- Application Processing
- Creditworthiness Evaluations
- Loan Decision Assessments
- Key Performance Indicators (KPI)
- Internal Controls and Reporting Systems
- Corrective Actions
- Customer Notifications
- Financial Reporting and Analysis
- Problem Monitoring
- Securities Safekeeping
- Meeting Support
- Business Activity Tracking
- Effective Project Completion
- Credit Approval and Denial
- Daily Ledgers
- Firm-Level Financial Assessment
- Batch Balances and Reports
- Validation of Discrepancies
- Coordinate Training
- Project Requirements
- Write Reports
- In-Depth Research
- Risk Assessment and Classification
- Collections Actions
- Recruit Well-Qualified Staff
- Financial Profiling
- Manage Cash Flow
- Remote Video Conferencing
- Word Processing
- Commercial Lines of Credit
- Loan Processing
- Excellent Team Leadership
- Credits Understanding
- Information Updates
- Build Customer Relationships
- Feasibility Reviews
- Quarterly Reviews
- Regulatory Submissions
- Cost Control and Reduction
- Typing and 10-Key Entry
- Government Standards
- Customer Discussions
- Business Intelligence Gathering
- CRM Tracking
- Risk Management Expertise
- Spreadsheet Tracking
- Vendor Contracts
- Creative Solutions
- Account Analysis Expertise
- Customer Proposals
- Research
- Mentoring
- Investigation
- Sales Team Meetings
- Sales Account Management
- Software Sales
- Bookkeeping
- Import and export products
- Tax preparation
Accomplishments
- Collaborated with team of 15-20 in the development of Project Management.
- Used Microsoft Excel to develop inventory tracking spreadsheets.
- Supervised team of 2 staff members.
- Achieved 85% DSO by completing credit task with accuracy and efficiency.
- Coordinated and effectively ran small business events in town.
- Event planning and marketing
Timeline
Area Credit Manager
Butler Mfg
03.2005 - 05.2007
Credit Specialist
SimplexGrinnell
02.1998 - 05.2004
Bachelor Of Business - Business Administration And Management
San Antonio College