Great Plains Dynamics, Oracle, Netsuite, SAP, Salesforce, ServiceNow
Bachelor of Arts - Business Administration Management
University of St. Thomas
Saint Paul, MN
Mark Costabilo
Anoka,MN
Education
Work History
Credit Manager
Inovalon
Minneapolis, Minnesota
09.2017 - Current
- Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
- Developed strategies to expedite payments and customer resolutions.
- Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
- Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
- Referred delinquent accounts to collections department or outside resources.
- Investigated and evaluated customers for creditworthiness and potential risk factors.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Collaborated with management to evaluate credit strategies and develop improvements.
- 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.
Credit Analyst
3M Company
Maplewood, MN
11.2016 - 08.2017
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Negotiated payment plans and loan terms with delinquent customers.
- Investigated and resolved customer disputes related to credit decisions.
- Analyzed creditworthiness of loan applicants and determined credit risk of loan requests.
- Performed credit reviews on corporations to assess financial conditions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
Credit Analyst
EMPI - DJO Global
Shoreview, MN
05.2015 - 10.2015
- Complied with internal controls and government regulations.
- Investigated and resolved customer disputes related to credit decisions.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Negotiated payment plans and loan terms with delinquent customers.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Performed credit reviews on corporations to assess financial conditions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
Summary
Detail-oriented Credit Manager skilled at analyzing lending activities according to current regulations, standards and market conditions. Offering 10 years of financial industry expertise. Results-driven Credit Analyst experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.
Skills
- Credit evaluations
- Policy application
- Sales proficiency
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Work Preference
Work Type
Full TimeWork Location
HybridSoftware
Timeline
Credit Manager
Inovalon
09.2017 - Current
Credit Analyst
3M Company
11.2016 - 08.2017
Credit Analyst
EMPI - DJO Global
05.2015 - 10.2015
Bachelor of Arts - Business Administration Management
University of St. Thomas
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