Melanie Sievers
Summary
Knowledgeable Credit Manager with a solid background in managing credit operations and mitigating financial risks. Recognized for implementing effective credit policies that support business growth and customer satisfaction. Proven ability to lead teams and optimize credit processes through strategic planning and collaboration.
Overview
8
8
years of professional experience
Work History
Credit Manager
Hart Fueling Services, LLC
09.2022 - Current
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Improved credit risk management by implementing effective underwriting policies and procedures.
- Instituted fraud mitigation procedures and policies to eliminate loss due to fraudulent activity.
- Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
- Performed regular account credit limit reviews and credit increase review requests from financial service and sales teams.
- Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
- Work cross-functionally with sales, management, and other departments to maintain effective operations.
- Developed strong relationships with clients through professional communication and timely resolution of credit issues.
Accounts Receivable Lead
JB Dewar, Inc.
09.2017 - 03.2022
- Evaluated open accounts to look for past-due balances and pursue collection strategies.
- Worked closely with delinquent account holders to collect and reconcile accounts through approved channels.
- Investigated billing discrepancies and implemented effective solutions to resolve concerns and prevent future problems.
- Oversaw disputes resolution and reconciliation for over 1500 client accounts.
- Minimized loss by negotiating payment terms directly with clients, achieving a 99% recovery rate.
- Conducted investigations and in-depth evaluations of customers for creditworthiness and potential risk factors.
- Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
- Evaluated business practices and loan procedures to assess risk and develop mitigation plans to protect business operations and assets.
- Completed month-end and year-end closings, kept records audit-ready and monitored timely recording of accounting transactions.
- Created repayment plans based on account holders' financial status and repayment abilities.
Skills
- Credit Management and Risk Assessment
- Collections Experience
- Account Reconciliation
- Aging Report Creation and Analysis
- Payment Application Review and Analysis
- Accounts Receivable Management
- Client Relationship Management
- Microsoft Excel
- Account Analysis Expertise
- Staff development
References
REFERENCES AVAILABLE UPON REQUEST
Timeline
Credit Manager
Hart Fueling Services, LLC
09.2022 - Current
Accounts Receivable Lead
JB Dewar, Inc.
09.2017 - 03.2022
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