Summary
Overview
Work History
Education
Skills
Timeline
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MICHELLE GREEN

Henderson,NV

Summary

Credit professional with extensive experience in analyzing credit data and financial statements to assess risk and ensure compliance with lending standards. Known for collaborative approach and delivering results that align with company goals. Reliable and adaptable, possessing strong analytical skills and attention to detail.

Overview

23
23
years of professional experience

Work History

Credit Analyst

Hemco
06.2025 - 09.2025
  • Analyzed credit data to assess risk and determine loan eligibility.
  • Prepared detailed credit reports for internal stakeholders and management review.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

Credit Manager

Empire Southwest LLC
09.2018 - 05.2025
  • Managed a team of financial coordinators. Including reviewing quotes and special financing programs for Cat with the sales team to ensure the appropriate program is used when submitting a finance deal.
  • Obtaining accurate financial from the sales team to ensure timely funding.
  • Evaluated customer applications for new lines of credit and determined approval decisions accordingly.
  • Negotiated payment plans with customers in order to collect overdue payments.
  • Monitored customer credit lines, collections and account balances to comply with credit limits and payment terms.
  • Intervened with customer negotiations to maximize collection of aged balances and reduction of bad debt exposure.
  • Reviewed aging report to monitor accounts receivables and initiate collection activities on accounts with past due balances.
  • Prepared periodic reports summarizing the status of outstanding receivables for senior management review.
  • Analyzed financial statements, trends, and customer payment history to assess creditworthiness.
  • Collaborated closely with internal departments such as sales, service and rental in order to resolve any disputes related to billing or payment issues.
  • Held monthly meetings with leadership to manage high-risk credit situations.
  • Reviewed and recommended bad debt write-off amount to account for AFDA reserve.
  • Completed performance reviews and appraisals to develop direct reports.
  • Managed a team of credit analysts and provided guidance on complex cases.

Credit Manager

H&E Equipment Services
11.2016 - 01.2018
  • Monitored customer credit lines, collections and account balances to comply with credit limits and payment terms for a region of 10 states with 2 to 3 branches at each.
  • Resolved escalated customer complaints regarding billing discrepancies or other issues related to their account balance.
  • Evaluated customer applications for new lines of credit and determined approval decisions accordingly.
  • Collaborated closely with internal departments such as sales, service and rental regarding customer accounts new and established.
  • Managed a team of credit analysts and provided guidance on complex cases.
  • Completed performance reviews and appraisals to develop direct reports.
  • Provided training sessions on best practices for managing customers’ accounts receivable balances.
  • Drafted detailed reports on delinquent accounts and recommended appropriate action plans.

Credit Service Representative

Cashman Equipment Company
03.2012 - 12.2016
  • Maintained accurate records of customer accounts, including payments and credit histories.
  • Demonstrated strong communication skills while interacting with customers, both verbally and in writing.
  • Prepared detailed reports outlining current collection efforts, delinquency rates, and overall portfolio performance.
  • Provided exemplary customer service to clients by promptly responding to inquiries and resolving issues in a timely manner.
  • Developed strategies for collecting past due accounts while minimizing losses for the company.
  • Negotiated payment plans with delinquent customers, providing excellent customer service throughout the process.

Credit Manager

WestCor Construction
07.2002 - 07.2009
  • Monitored customer credit lines, collections and account balances to comply with credit limits and payment terms.
  • Conducted regular reviews of existing accounts to ensure compliance with established terms and conditions.
  • Intervened with customer negotiations to maximize collection of aged balances and reduction of bad debt exposure.
  • Reviewed aging report to monitor accounts receivables and initiate collection activities on accounts with past due balances.
  • Prepared periodic reports summarizing the status of outstanding receivables for senior management review.
  • Managed a team of credit analysts and provided guidance on complex cases.
  • Drafted detailed reports on delinquent accounts and recommended appropriate action plans.

Education

High School Diploma -

John Glenn High School
Westland, MI

Skills

  • Team Building Leadership
  • Excellent Communication
  • Credit analysis
  • Financial Reporting
  • Prioritizing and Planning
  • Loan Origination
  • Financial Administration

Timeline

Credit Analyst

Hemco
06.2025 - 09.2025

Credit Manager

Empire Southwest LLC
09.2018 - 05.2025

Credit Manager

H&E Equipment Services
11.2016 - 01.2018

Credit Service Representative

Cashman Equipment Company
03.2012 - 12.2016

Credit Manager

WestCor Construction
07.2002 - 07.2009

High School Diploma -

John Glenn High School

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