Mayra Guerrero
Fontana,CA
Summary
Analytical and detail-oriented Credit Analyst/Accounts Receivable Representative with 25 years of experience in credit evaluation, financial risk assessment, and managing accounts receivable processes. Skilled in conducting credit analyses, preparing financial reports, reconciling accounts, and maintaining strong client relationships to optimize cash flow and mitigate risks. Expertise in payment posting, bank reconciliations, and ensuring accuracy in financial transactions. Proficient in leveraging financial software and tools to ensure compliance with company policies and industry standards. Known for accuracy, problem-solving, and delivering effective solutions to improve operational efficiency.
Overview
25
25
years of professional experience
Work History
Billing & Licensing Coordinator
Syspro Impact Software, Inc.
08.2022 - 01.2025
- Monitored accounts receivable and collections, following up on overdue payments and reducing outstanding balances to below 60 days, ensuring consistent cash flow
- Managed the preparation and submission of invoices for a portfolio of clients, ensuring accuracy and timely billing, which contributed to a reduction in delayed payments
- Reconciled accounts and resolved billing disputes, working closely with clients to maintain a high level of satisfaction and mitigate issues that could affect payments
- Developed and implemented collections strategies, improving the efficiency of collections processes and ensuring timely recovery of overdue balances
- Maintained accurate licensing records and coordinated renewals for [specific licenses/certifications], ensuring zero compliance violations and timely submissions
- Collaborated with cross-functional teams to ensure data accuracy for billing and licensing activities, enhancing operational efficiency and client satisfaction
- Created detailed financial reports to assist management in tracking revenue, analyzing account performance, and identifying trends that impacted collections and cash flow
- Provided support during internal and external audits, ensuring compliance with financial regulations and assisting auditors in gathering necessary documents
- Oversaw the tracking and renewal of business licenses, certifications, and permits across multiple jurisdictions, ensuring compliance with all legal requirements
- Communicated with regulatory agencies to address licensing issues and ensure ongoing compliance with evolving regulations
- Implemented a centralized system for tracking licensing requirements, reducing missed renewals and improving overall workflow
- Educated internal teams on licensing updates and their operational impacts, ensuring all teams understood the importance of compliance
Credit Analyst
Western Pacific Storage Solutions, Inc.
04.2013 - 08.2022
- Conducted credit evaluations and determined creditworthiness for new and existing clients by analyzing financial statements, payment history, and risk profiles
- Assessed credit limits and terms, ensuring compliance with company policies while minimizing risk exposure
- Prepared and presented detailed credit reports and recommendations to senior management
- Monitored account performance, identified potential delinquencies, and implemented proactive measures to mitigate risks
- Collaborated with cross-functional teams, including sales and collections, to resolve client disputes and maintain positive relationships
- Monitored delinquent accounts across three locations (California, Kentucky, and Texas) and initiated collection actions to reduce outstanding balances
- Contacted customers via phone, email, and fax to collect overdue payments and resolved disputes in collaboration with sales representatives and customer service teams
- Reviewed terms of sale, service, and credit contracts with customers to ensure understanding and compliance
- Analyzed aging and collection reports to identify trends, reduce past-due balances, and mitigate credit risks
- Communicated high-risk or bad debt accounts to the CEO, enabling timely decision-making
- Conducted credit assessments by obtaining and reviewing credit information, running online credit checks, and recording customer financial status
- Prepared and submitted accounts for collection agencies as needed and participated in account past-due meetings to provide updates on delinquent accounts
- Processed checks, credit card, and cash payments; applied payments to the accounting system and resolved discrepancies with customers
- Balanced daily bank reports, deposited checks remotely, and maintained accurate credit card records for returning customers
Credit Analyst/Account Receivable Representative Advertising Department
Los Angeles Times Newspaper
Los Angeles, CA
03.2000 - 07.2013
- Evaluated clients' creditworthiness and payment history, recommending appropriate credit lines and terms to minimize financial risk
- Monitored account activity for early signs of delinquency and implemented proactive measures to prevent default
- Provided exceptional customer service to internal and external stakeholders, resolving inquiries and disputes promptly
- Collaborated with legal and finance teams to address delinquent accounts, initiating legal proceedings as necessary
- Created detailed credit and collections reports, enabling data-driven decision-making for senior management
- Processed and reconciled payments from clients and third-party agencies, ensuring accuracy and timely posting
- Monitored and managed accounts receivable for a portfolio of clients, maintaining a collection rate
- Developed and maintained client relationships to streamline payment processes and reduce overdue accounts
- Assisted in preparing financial documentation for audits and regulatory compliance
- Supported cross-functional teams by providing detailed reports on receivables and payment trends
Education
High School Diploma -
James A. Garfield High School
Skills
- Credit analysis and risk assessment
- Accounts receivable management
- Payment posting and reconciliation
- Bank reconciliations and cash flow optimization
- Aging report analysis and past-due account resolution
- Financial reporting and data analysis
- Customer relationship management (CRM)
- Dispute resolution and negotiation
- Credit application processing and approval
- Compliance with company policies and industry standards
- Proficiency in financial software (Admarc, Syteline, Syspro, Word Doc, Microsoft Excel, Dunn & Bradstreet, CCI and Credit Card processing systems)
- High-volume collections management
- Legal document preparation for collection actions
- Collaboration with internal teams, auditors, and third-party agencies
- Exceptional organizational and time-management skills
- Strong communication and problem-solving abilities
- Banking regulations
- Credit decisions
- Credit risk
- Microsoft Excel proficiency
- Oral and written communications
- High risk account reviews
- Credit reporting
- Statement review
- Financial statement review
- Verbal and written communication
- Information verification
- Report analysis
- Portfolio management
- Credit analysis
- Cash flow analysis
- Term negotiation
- Financial statement analysis
- Goal oriented
Accomplishments
- Reduced outstanding accounts receivable balances by over 25% within the first year, achieving a consistent reduction in overdue balances to below 60 days.
- Collaborated with internal teams and external auditors, ensuring a smooth audit process with no significant issues, demonstrating full compliance with company policies and financial regulations.
- Reduced collection disputes by improving client communication, ensuring prompt resolution and maintaining positive customer relationships.
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Interests
- Catering
- Volunteering
- Gym Workouts
- I enjoy helping others and giving back to the community
- Documenting and sharing travel experiences
- Fundraising Events
- Team Sports
- Event Planning
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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