Summary
Overview
Work History
Education
Skills
Timeline
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Melody McDowell

Thomasville

Summary

Dynamic Credit and Collections Manager at The Cleaver Brooks Company, Inc, recognized for reducing delinquency rates and optimizing risk assessment procedures. Skilled in financial analysis and dispute resolution, I fostered strong customer relationships while driving revenue growth through effective credit management strategies. Proven ability to enhance operational efficiency and team collaboration.

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

31
31
years of professional experience

Work History

Credit and Collections Manager

The Cleaver Brooks Company, Inc
07.2015 - 04.2025
  • Reduced delinquency rates by closely monitoring customer accounts and promptly addressing overdue payments.
  • Collaborated with sales teams to establish appropriate credit limits, supporting revenue growth while minimizing risk exposure.
  • Participated in industry conferences and networking events to stay current on best practices and emerging trends in the credit and collections field.
  • Developed comprehensive reports for senior management, providing insights on key performance metrics within the credit and collections department.
  • Optimized risk assessment procedures for more accurate evaluations of potential clients'' creditworthiness.
  • Managed disputes effectively by working closely with internal departments to resolve issues quickly and maintain customer goodwill.
  • Reviewed financial statements regularly to assess clients'' financial stability and identify any emerging risks or opportunities within the portfolio.
  • Forecasted potential cash flow issues by analyzing trends in account receivables data, enabling timely preventative measures to be taken when necessary.
  • Conducted thorough audits of collections activities to ensure compliance with relevant regulations and company policies.

Operations Manager

Belk
03.2010 - 06.2015
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Managed inventory and supply chain operations to achieve timely and accurate delivery of goods and services.
  • Led hiring, onboarding and training of new hires to fulfill business requirements.
  • Analyzed and reported on key performance metrics to senior management.
  • Managed budgets effectively, consistently delivering projects on-time and within financial constraints.
  • Handled staff training initiatives aimed at upskilling the workforce to meet dynamic industry demands.
  • Directed initiatives to improve work environment, company culture or overall business strategy.

Store Manager

Publix Supermarkets
08.1994 - 09.2009
  • Managed daily operations to ensure smooth functioning of the store, maintaining a clean, safe environment for customers and employees.
  • Managed inventory control, cash control, and store opening and closing procedures.
  • Addressed customer complaints promptly and professionally, resolving issues to maintain positive relationships with clientele.
  • Managed store employees successfully in fast-paced environment through proactive communication and positive feedback.
  • Optimized labor scheduling according to store needs while adhering to budget constraints, maximizing productivity without compromising service quality.
  • Improved store layout for better customer flow and product visibility, leading to increase in average purchase size.
  • Boosted overall store sales by implementing innovative marketing strategies and exceptional customer service standards.

Education

Associate of Arts - Accouting

Southwest Georgia Technical College
Thomasville, GA
12-2019

Skills

  • Debt recovery
  • Cash flow management
  • Payment processing
  • Credit analysis
  • Dispute resolution
  • Bankruptcy procedures
  • Teamwork and collaboration
  • Problem-solving
  • Critical thinking
  • Customer relationship development
  • Financial analysis and reporting
  • Operations management

Timeline

Credit and Collections Manager

The Cleaver Brooks Company, Inc
07.2015 - 04.2025

Operations Manager

Belk
03.2010 - 06.2015

Store Manager

Publix Supermarkets
08.1994 - 09.2009

Associate of Arts - Accouting

Southwest Georgia Technical College

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Melody McDowell