MICHELLE MCCULLOUGH

Processing credit applications utilizing Dunn & Bradstreet and CreditSafe to determine credit worthiness and fraud prevention

• Approving lines of credit and terms on new accounts per qualifications
• Following Departmental Documents, Manuals, Policies, and Procedures for Credit Approvals (decline) and/or New Account onboarding
• Gathering complete information for analysis, determination, and resolution - including escalation, requesting corrective action, and communicating where necessary
• Analyze and approve credit line increases / (decreases) when necessary
• Properly addressing credit declines with manager, customers, and internal departments when applicable - including Sales and Transportation to facilitate resolution

Maintaining a portfolio to ensure customers are not over their designated credit line or approved terms.

• Reviewed credit reports to make judgmental decisions on corporate accounts, using DNB, profit and loss sheets, to decide if a line should be increased, decreased or removed
• Liaison for problem resolution for order errors, carrier errors, warehouse shipment issues, pricing discrepancies as well as damaged product
• Creating Legal files by gathering information to be submitted to attorneys
• Assessing customer credit files regularly to review receivables and ensure correct shipment
• Monitored and maintained compliance with internal controls and government regulations for Tax resale Certificate yearly
• Reviewed customer financial data to ascertain the level of risk involved for extending credit
• Utilizing SAP to pull and release orders based on account status
• Placed customer accounts on hold for communication failure and past due payments
• Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation
• Answered numerous calls and emails daily
• Systems of use include HighRadius, GetPaid, and DMS to manage accounts and to follow up on payments
• Reconciled aging and researching invoice issues using SAP and B2B
• Improved operations by working with team members and customers to find workable solutions for returns.