Monica Ramirez
Houston
Summary
Accomplished Accounts Receivable Manager skilled in enhancing credit risk management and customer relationship development. Successfully negotiated payment plans to minimize losses while achieving collection targets. Proficient in credit analysis, compliance auditing, and mentoring junior team members.
Overview
15
15
years of professional experience
Work History
Credit manager
Universal Steel America
01.2022 - Current
- Enhanced credit risk management through implementation of effective underwriting policies and procedures.
- Negotiated payment plans with delinquent customers to minimize losses and maintain relationships.
- Achieved monthly collection targets by prioritizing accounts based on risk and cash flow impact.
- Conducted investigations to evaluate customer creditworthiness and potential risk factors.
- Executed semi-annual reviews of account credit limits and processed requests for credit increases.
- Platforms: DNB, Creditsafe, NACM and Experian.
- Managed credit assessments for new and existing clients across various regions.
- Compiled and analyzed credit data to assess customer creditworthiness in southwest and midwest regions.
- Participated in internal audits to ensure compliance with corporate guidelines and regulatory requirements.
- Managed credit assessments for new and existing clients.
- Analyzed financial statements to determine creditworthiness.
- Developed credit policies in alignment with company standards.
- Collaborated with sales teams to resolve customer payment issues.
- Monitored accounts receivable for timely collections and disputes.
- Trained and mentored junior team members on credit processes.
- Implemented risk management strategies to minimize financial exposure.
- Cash application: ACH / Wire , Checks, and Credit card Payments.
Asst. Accountant
Holland Southwest International
01.2019 - 01.2022
- Accounts Receivable - Verify Lockbox, Post Cash, Wire and Ach Payment.
- Compile, analyze and establish creditworthiness creditworthiness on all customers. Negotiate terms and conditions on all accounts.
- Assist with revenue and A/R reconciliation, posting cash receipts data to open accounts receivable.
- Review and analyze monthly A/R reports, data, and trends on a regular basis to improve A/R functions and revenue capture.
- Maintain communication lines with internal and external customers to appropriately address all payment issues.
- Conducts audits to ensure compliance and monitor productivity in the A/R and collections function.
- Ensured timely updates to credit hold status for accurate account management.
- Facilitated daily invoicing to ensure prompt revenue collection.
- Set up and maintain vendor accounts
- Accounts Payable - Send out Vendor application.
- Code Expense invoices, Process Freight, and inventory invoices for payment.
- Pull a check Registry report for Controller to approve check run for Friday's check run.
- Maintain daily management of Data Management function to ensure the accuracy of customer information and financial structure.
- Establish and manage checks/balances to ensure accurate reporting.
- Collected data on customer payment history and initiated follow-up procedures for collection or dispute resolution.
- Send out monthly Sales Report to General Sales Manager and Vice President
- Process Incoming and outgoing mail
Credit Manager
Universal Steel America
01.2018 - 01.2019
- Compile, analyze and establish credit creditworthiness on all customers in all Southwest and Midwest regions.
- Negotiate terms and conditions on all accounts.
- Oversaw credit hold screen to ensure timely credit assessments.
- Maintain daily management of Data Management function to ensure the accuracy of customer information and financial structure.
- Establish and manage checks/balances to ensure accurate reporting.
- Assist with revenue and A/R reconciliation, posting cash receipts data to open accounts receivable.
- Collected data on customer payment history and initiated collection or dispute resolution processes, ensuring thorough follow-up.
- Maintain communication lines with internal and external customers to appropriately address all payment issues.
- Review and analyze monthly A/R reports, data, and trends on a regular basis to improve A/R functions and revenue capture.
- Conduct audits to ensure compliance and monitor productivity in the A/R and collections function.
Operation Purchasing/Accounts Receivable/Billing Manager
Abrasive Warehouse & Equipment
01.2013 - 01.2018
- Excellent Supervisory and Management skills and participate in setting up train for new employee.
- Schedule interview for Vice President for new hires.
- Managed vendor and customer account relationships.
- Maintain Purchasing and Submit Purchase Orders for Inventory.
- Run Reorder Report, Stock Status Report, Detail Transaction Report and Purchasing Inventory.
- Set up Freight Carriers for Inventory and Customer's delivery.
- Process Daily Receiving into inventory.
- Process Daily Billing and Drop Ship invoicing.
- Process credit application, approve credit limits, and Set up New Accounts.
- Maintain New account files.
- Cash Application and Process Credit Cards.
- Accounts Payables back-up, enter invoices for paying payment.
- Process checks for payment for vendors twice a month.
- Provided quality customer service, research and resolve client billing disputes.
- Executed high volume collection calls to improve cash flow and maintained accurate credit hold records.
- Configured shipping processes, documented customer interactions, and tracked aging accounts through weekly spreadsheet updates.
- Order office Supplies for Corporate and California Location.
Credit Specialist/Credit Analyst
J.A.M. Exon/Mobile
01.2011 - 01.2013
- Processed credit application, credit limit approval.
- Maintain Customers accounts and set up new accounts.
- High volume collection calls and maintain credit hold screen.
- Process credit card payment and Ach payment by phone.
- Provided quality customer service, researching and resolving client billing disputes.
- Set up ship too, maintain customer notes, aging and weekly spreadsheet.
- Ensured bank lock box was secure and properly managed.
Education
NACM -Business Credit Management - Financials
NACM Southwest
Houston, TX01-2015
Associates degree - Accounting And Finance
San Jacinto College
06-2001
High School Diploma -
South Houson High
South Houston, TX06-1989
Skills
- Credit analysis
- Payment negotiation
- Credit risk assessment
- Underwriting policy development
- Financial modeling
- Compliance auditing
- Accounts receivable monitoring
- Data analysis
- Microsoft Dynamics
- Oracle
- Debt collection strategies
- Sage
- Loan underwriting
- E-Commerce
- Regulatory compliance
- Microsoft Suite
- Team leadership
- Training and mentorship
- Effective communication
- Problem solving
- Attention to detail
- Conflict resolution
- Training and mentorship
Timeline
Credit manager
Universal Steel America
01.2022 - Current
Asst. Accountant
Holland Southwest International
01.2019 - 01.2022
Credit Manager
Universal Steel America
01.2018 - 01.2019
Operation Purchasing/Accounts Receivable/Billing Manager
Abrasive Warehouse & Equipment
01.2013 - 01.2018
Credit Specialist/Credit Analyst
J.A.M. Exon/Mobile
01.2011 - 01.2013
NACM -Business Credit Management - Financials
NACM Southwest
Associates degree - Accounting And Finance
San Jacinto College
High School Diploma -
South Houson High