Nicole Smith
Fishers,IN
Summary
Highly trained Credit Analyst/Collector offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Forward thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 20 years of resolving credit disputes and making recommendations on bad debt accounts. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures.
Overview
20
20
years of professional experience
Work History
Credit and Collection Analyst
Dormakaba USA
10.2022 - Current
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
- Assessed credit risk and analyzed financial statements.
- Made decisions and recommendations about extending lines of credit.
- Performed credit reviews on corporations to assess financial conditions.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately.
- Created spreadsheets using Microsoft Excel for daily, weekly and monthly reporting.
Charge Off Collector
FORUM Credit Union
03.2018 - 09.2022
- Trained new collections representatives on collections processes and incentivized team members to achieve production goals.
- Managed discharge and sale of default property.
- Gathered information regarding lien payoff amounts, tax data and credit standing.
- Restructured loans to provide options for eligible candidates following foreclosure.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.
Accounts Receivable Analyst
Johnson Controls/TYCO
05.2004 - 03.2018
- Monitored accounts for compliance with established payment plans and flagged non-compliances.
- Trained new team members on scripts, company services and collection strategies.
- Used skip tracing and other techniques to locate debtors.
- Prevented impending loss and increased profitability by enforcing scheduled collection campaigns, consistently achieving targeted recovery rate.
- Deployed automated system tracking and skip tracing to locate hard-to-find, re-located customers.
Education
Associate of Science - Professional Studies And Human Resources
Purdue Global
Lafayette, IN02.2025
High School Diploma -
Lee Wallace High School
Gary, IN06.1989
Timeline
Credit and Collection Analyst
Dormakaba USA
10.2022 - Current
Charge Off Collector
FORUM Credit Union
03.2018 - 09.2022
Accounts Receivable Analyst
Johnson Controls/TYCO
05.2004 - 03.2018
Associate of Science - Professional Studies And Human Resources
Purdue Global
High School Diploma -
Lee Wallace High School
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