Nicole Sanchez
Cypress,TX
Summary
Skilled Credit Analyst with extensive experience at Visual Comfort & Co, highly skilled in reviewing financial statements and conducting comprehensive credit analysis to assess creditworthiness and minimize risk. Good at making credit decisions by using strong analytical skills to assess risk and help achieve business goals. Maintained open and effective lines of communication with senior leadership, ensuring smooth collaboration on high-level decisions. Ensured all resale certificates were up to date and compliant with state and federal tax laws, minimizing the risk of errors or discrepancies.
Excelled in both verbal and written communication, ensuring clear and efficient collaboration with team members.
Overview
10
10
years of professional experience
Work History
Credit Analyst
Visual Comfort & Co
12.2018 - Current
- Worked directly with C-suite executives to evaluate and approve vendor applications, ensuring alignment with business goals, financial strategies, and sales objectives.
- Validated incoming resale certificates by verifying the authenticity, completeness, and compliance of each certificate with applicable state tax laws and internal policies.
- Processed and issued tax credits for eligible clients, ensuring compliance with tax regulations and company guidelines.
- Notarized a wide range of documents, including contracts, affidavits, and agreements, in accordance with Texas state laws and regulations.
- Assessed incoming credit applications by reviewing credit reports, financial statements, and other relevant data to determine the potential risk and viability of approval or rejection.
- Independently filed claims against companies with overdue payments, ensuring that all relevant documents, contracts, and communications were meticulously compiled and submitted in compliance with legal and contractual standards..
- Regularly updated customer profiles, including billing, shipping addresses, and payment terms in SAP, ensuring that all information remained accurate and up-to-date to support smooth business operations.
- Maintained accurate records of all applications reviewed, ensuring proper documentation for auditing and compliance purposes.
- Successfully adapted to new workflows, team structures, and business models, maintaining high productivity levels even in times of change or uncertainty.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Skilled at working independently and collaboratively in a team environment.
- Applied effective time management techniques to meet tight deadlines.
- Self-motivated, with a strong sense of personal responsibility.
- Demonstrated strong attention to detail, completing assignments with a high level of accuracy and care.
- Gained extensive knowledge in data entry, analysis and reporting.
- Demonstrated strong organizational skills, quickly identifying priorities and allocating resources to meet urgent demands.
- Composed clear, concise, and professional emails, reports, and documents.
- Provided guidance and support to colleagues, sharing knowledge and expertise to help others grow professionally and navigate challenges.
Credit Collections Analyst
Visual Comfort & Co
09.2015 - 12.2018
- Processed payments and applied to customer balances.
- Process RMA returns
- Researched billing errors and discrepancies to initiate corrective action.
- Processed debtor payments and updated accounts to reflect new balance.
- Called customers by telephone to collect past due invoices, verify accuracy of charges or to correct account errors.
- Maintained accurate records of customer accounts, payments and payment plans.
Education
Associate of Science -
Arizona College
Glendale, AZHigh School Diploma -
Agua Fria High School
Avondale, AZSkills
- Credit Evaluation Expertise
- Credit analysis
- Financial Document Review
- Verbal and written communication
- Credit Program Analysis
- Risk Analysis for Credit
- Oral and written communications
- Data Interpretation
- Credit reporting
- SAP crystal reports
- SAP understanding
- Excel
- MS word, excel, and outlook
- Multitasking
- Organization
- Friendly, positive attitude
- Goal oriented
- Teamwork and collaboration
Timeline
Credit Analyst
Visual Comfort & Co
12.2018 - Current
Credit Collections Analyst
Visual Comfort & Co
09.2015 - 12.2018
Associate of Science -
Arizona College
High School Diploma -
Agua Fria High School
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