LLISEL MARIA ESPEJO
Miami,FL
Summary
Finance professional with proven ability to oversee credit and collections operations. Known for driving process improvements and effectively handling escalated accounts. Strong focus on team collaboration and achieving results, adaptable to changing needs.
Overview
33
33
years of professional experience
Work History
Credit & Collection Manager
SDQ Global, Inc.
01.2018 - Current
- Evaluated the creditworthiness of clients using credit scoring models, Dun and Bradstreet data, and other risk assessment tools.
- Ensured proper documentation was maintained for all credit decisions as well as legal actions related to debt recovery efforts.
- Maintained strong relationships with external partners such as collection agencies, legal counsel, and industry organizations to support effective debt recovery efforts.
- Negotiated payment plans to resolve disputes effectively.
- Reduce DSO and increase revenues.
- Enhanced cash flow by implementing efficient credit and collection management strategies.
Credit & Collection Manager
Mobile Distribution Group
01.2016 - 01.2017
- Developed the Credit Department, procedures and processes for the company.
- Implemented continuous process improvements through regular review of policies, procedures, and best practices.
- Collections management A/R portfolio of $30.2 millions.
- Monitored and created daily collections reports for Controller.
- Reduced delinquency rates by closely monitoring customer accounts and promptly addressing overdue payments.
Credit and Collection Manager
Innoco Technology Group, Inc.
01.2015 - 01.2016
- AR Collections for over 250 active B2B accounts with an AR portfolio of 50.6 million
- Monitored accounts receivables balance and aging reports.
- Negotiated payment plans and resolved outstanding balances.
- Setting Credit-rating criteria for customers up to $150k.
- Worked closely with the sales department to increase sales and revenues.
- Mitigated potential financial losses before the end of the year.
Credit and Collection Manager
Abboud Trading Corporation, Inc.
01.2006 - 01.2014
- Monitored accounts receivable balances and aging reports for past dues.
- Negotiated payment plans for accounts over 90-100.
- Utilized Euler Hermes ACI or Coface of North America for claims over 120 days.
- Handled an AR Portfolio of over 1,000 B2B accounts managing over 55+ Million.
- Approved Credit Lines from $50k - $250k.
- Applied all payment received.
- Managed disputes effectively by working closely with internal departments to resolve issues quickly and maintain customer goodwill.
- Forecasted potential cash flow issues by analyzing trends in account receivables data, enabling timely preventative measures to be taken when necessary.
Credit and Collection Manager
Intcomex
01.1996 - 01.2006
- Reduced delinquency rates by closely monitoring customer accounts and promptly addressing overdue payments.
- Monitored accounts receivable balances and aging reports.
- Ensured proper documentation was maintained for all credit decisions as well as legal actions related to debt recovery efforts.
- Improved overall debt recovery with proactive communications and persistent followups.
- Negotiated payment plans identifying and escalating delinquent accounts.
- Handled an AR Portfolio of over 950 B2B accounts averaging 65+ Million.
- Approved credit lines ranging from $150k - $250k.
- Interacted with internal and external customers and affiliates.
Credit Department Assistant
Acer Latin America
01.1992 - 01.1996
- Processed invoices, credit, and debit memos.
- Communicated with customers to answer questions and follow up on collection matters.
- Provided in-house control of data collection forms.
- Generate QA/QC reports and retrieved files from all data systems.
- Ensured data confidentiality with strict adherence to company policies regarding sensitive information handling.
- Maintained accurate records and databases, contributing to an organized department environment.
Education
Certificate of Portuguese - Languages
Miami Dade College
Miami, FL08-2001
College-level Bilingual Secretary - Secretarial
Pontifica Universidad Catolica Madre Y Maestra
Santiago, Dominican Republic04-1991
High School Diploma -
Liceo Domingo Sarmiento
Moca, Dominican Republic09-1987
Skills
- Debt recovery
- Cash flow management
- Payment processing
- Credit analysis
- Portfolio management
- Collection strategies
- Critical thinking
- Organizational skills
- Cash handling expertise
- Financial analysis and reporting
- Profitability improvement
- Process implementation
Languages
English
Full Professional
Portuguese
Full Professional
Spanish
Native or Bilingual
Timeline
Credit & Collection Manager
SDQ Global, Inc.
01.2018 - Current
Credit & Collection Manager
Mobile Distribution Group
01.2016 - 01.2017
Credit and Collection Manager
Innoco Technology Group, Inc.
01.2015 - 01.2016
Credit and Collection Manager
Abboud Trading Corporation, Inc.
01.2006 - 01.2014
Credit and Collection Manager
Intcomex
01.1996 - 01.2006
Credit Department Assistant
Acer Latin America
01.1992 - 01.1996
Certificate of Portuguese - Languages
Miami Dade College
College-level Bilingual Secretary - Secretarial
Pontifica Universidad Catolica Madre Y Maestra
High School Diploma -
Liceo Domingo Sarmiento
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