Open To Work
Palmarino Marcozzi
Senior Credit Analyst
Malvern,PA
Summary
Results-oriented Senior Credit Analyst with expertise in credit analysis, risk assessment, and financial modeling. Proven ability to enhance customer relationships and streamline data reporting processes to drive informed decision-making.
Work History
Senior Credit Analyst
Southco, Inc
Glen Mills, Pennsylvania
11.2021 - Current
- Analyzed credit applications and assessed risk for potential borrowers.
- Collaborated with sales teams to develop tailored financing solutions that met customer needs.
- Maintained strong relationships with clients to facilitate ongoing credit assessments.
- Implemented software tools for tracking and reporting on credit metrics effectively.
- Reviewed customer financial data to assess risk levels, enabling informed credit decisions.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Established procedures for referring problem accounts to debt collectors, outlining appropriate timelines.
- Collaborated closely with customers, using effective communication, and interpersonal strengths to gather important financial information.
- Met with upper management and provided insight into credit decisions.
- Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
- Contacted owners of delinquent accounts to make arrangements for payment through extended payment plans or one-time payments, processing to correct account status.
- Prepared comprehensive monthly reports on portfolio performance for senior management, highlighting key insights.
- Created presentations for executive-level meetings discussing current portfolio performance metrics.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
Accounts Receivable Coordinator
Boston Scientific
Conshohocken, Pennsylvania
11.2018 - 08.2021
- Managed customer invoicing process to ensure timely billing and collections.
- Reviewed customer accounts for discrepancies and resolved issues efficiently.
- Collaborated with sales teams to resolve billing inquiries and customer concerns, ensuring timely responses and customer satisfaction.
- Maintained accurate records of payments and adjustments in financial systems.
- Coordinated with internal departments to streamline accounts receivable workflows.
- Assisted in month-end closing processes by preparing account reconciliations.
- Maintained detailed records of all collections activities including contact attempts and payment arrangements made with customers.
- Assisted in resolving customer billing disputes, credit issues, and discrepancies.
- Updated customer account profiles with current contact information and other relevant details.
- Performed credit checks on applicants, chose credit limit and set up billing, terms.
- Processed credit card payments for customers through a secure online portal.
- Conducted periodic reviews of delinquent accounts and initiated appropriate action based on company policies.
- Worked collaboratively with other departments such as Sales and Customer Service to resolve outstanding issues quickly.
- Negotiated payment plans and arrangements.
- Generated monthly financial statements for review by management team members.
- Updated accounts with recent information and processed customer payments.
- Analyzed customer accounts to identify and resolve discrepancies.
- Accepted and processed customer payments and applied toward account balances.
- Managed daily posting of payments to customer accounts.
- Generated aging reports on customer accounts receivable balances and proactively communicated with customers about overdue payments, facilitating prompt resolution.
- Reconciled customer statements against internal records to identify any discrepancies or errors.
- Managed daily cash receipts and deposits into bank accounts.
- Investigated past due accounts and contacted customers to arrange payment plans when necessary.
- Responded to customer inquiries via phone, email, or mail regarding their accounts receivable status.
- Identified areas where changes could be implemented to improve efficiency in the Accounts Receivable process.
- Prepared invoices for customers and tracked payments to ensure accuracy.
- Compiled weekly and monthly reports summarizing total amounts collected from each customer.
- Facilitated payment of invoices due by sending bill reminders and contacting clients
- Managed AP and AR operations, coordinating staff workflows and reviewing completed work to reduce errors.
- Initiated legal or collection agency intervention for severely overdue accounts.
- Maintained updated customer records, including contact information and payment terms.
- Managed entire accounts receivable process, ensuring timely invoicing and collection activities.
- Facilitated internal and external audits related to accounts receivable.
- Coordinated with the accounting department to post payments and adjustments accurately.
- Enhanced cash flow by reducing the average days sales outstanding (DSO).
- Negotiated payment plans with delinquent accounts, effectively improving recovery rates through tailored arrangements.
- Participated in subordinates' tasks to facilitate productivity or help overcome difficulties.
Accounts Receivable Clerk
Corporation Service Company, CSC
Wilmington, Delaware
12.2014 - 11.2018
- Processed customer invoices accurately and efficiently.
- Resolved billing discrepancies through direct communication with clients to enhance accuracy.
- Assisted in month-end closing by reconciling accounts receivable reports.
- Coordinated collection efforts, resulting in timely payments from clients.
- Developed strong relationships with customers to enhance payment processes.
- Utilized accounting software to track and record transactions effectively.
- Maintained accurate records of accounts receivable and payable transactions.
- Reconciled daily cash receipts with bank deposits.
- Assisted in month-end closing activities such as preparing journal entries, reconciling accounts, and creating financial reports.
- Managed collections activity including contacting customers regarding past due balances and resolving billing disputes.
- Updated vendor files with new contact information and payment terms.
- Entered, posted and scanned accounts receivable documents into accounting software.
- Researched customer billing issues and resolved problems to facilitate receipt of overdue monies and promote good customer relationships.
- Generated weekly aging reports to monitor overdue payments and proactively followed up with clients.
- Reached out to vendors and customers to resolve account problems.
- Worked closely with internal teams to resolve customer billing and payment issues.
- Generated monthly statements for accounts receivable operations.
- Processed posting and reconciling payments and addressed aged receivables.
- Collaborated with sales team members to ensure timely collection of outstanding debts from customers.
- Investigated any discrepancies between invoices and purchase orders prior to processing payments.
- Communicated regularly with vendors regarding invoice processing status updates.
- Cleared account balances by examining customer payments and payment history and coordinating contact with collections.
- Prepared monthly statements for accounts receivable operations.
- Provided support on audits of accounts receivable by gathering requested information from internal systems.
- Verified accuracy of invoices and account balances.
- Reconciled bank statements on a regular basis to ensure accuracy of financial records.
- Evaluated open accounts to look for past-due balances and pursue collection strategies.
- Performed various accounts receivable functions, handled cash receipts posting, updated cash flow reports and researched chargebacks and write-offs.
- Kept accounts receivable tracking database current with relevant client information, collection, and billing progress and program changes.
- Processed credit memos and adjustments according to company policy.
- Applied cash receipts and performed daily bank deposits.
- Matched orders with invoices and recorded required information.
Accounts Receivable Specialist
Corporation Service Company, CSC
Wilmington, Delaware
05.2012 - 12.2014
- Managed customer account inquiries and resolved billing discrepancies efficiently.
- Processed incoming payments and applied them to appropriate accounts accurately.
- Reviewed aging reports and followed up on outstanding invoices to facilitate timely collections.
- Developed and maintained positive relationships with clients through effective communication.
- Collaborated with internal teams to streamline invoicing processes and enhance accuracy.
- Assisted in the reconciliation of accounts, identifying discrepancies promptly.
- Trained new team members on accounts receivable procedures and best practices.
- Responded promptly to customer inquiries regarding their account status or payment history.
- Kept accounts receivable tracking database current with relevant client information, collection, and billing progress and program changes.
- Researched past due accounts and initiated collection efforts in a timely manner.
- Created and tracked invoices, ensuring timely payments and maintaining cash flow.
- Investigated billing discrepancies and implemented solutions, enhancing accuracy and preventing future issues.
- Evaluated open accounts to look for past-due balances and pursue collection strategies.
- Generated weekly aging reports used to identify delinquent accounts requiring follow-up action.
- Reviewed and verified accuracy of invoices and account balances.
- Monitored unapplied cash balances and identified potential write-offs or bad debt expense accruals.
- Prepared monthly statements for customers.
- Reconciled discrepancies between customer payments and invoices due.
- Facilitated account setup by accurately processing new customer forms in the system.
- Monitored customer account details to minimize or rectify non-payments, delayed payments and other irregularities.
- Collaborated with sales department to ensure accuracy of billing information provided by customers.
- Assisted in month-end closing process including preparation of journal entries related to Accounts Receivable activities.
- Performed various accounts receivable functions, handled cash receipts posting, updated cash flow reports and researched chargebacks and write-offs.
- Maintained accurate records of all accounts receivable transactions.
- Reconciled customer accounts and resolved discrepancies.
- Negotiated payment plans with delinquent accounts.
- Processed credit memos and adjustments to align with company policy.
Accounts Receivable Analyst
Genex
King of Prussia, Pennsylvania
05.2010 - 05.2012
- Analyzed customer accounts to resolve discrepancies and ensure payment compliance.
- Reviewed and reconciled customer accounts to ensure accuracy of invoices and payments.
- Managed invoicing processes for timely billing and accurate account reconciliation.
- Monitored overdue accounts daily, generated past due notices, and contacted delinquent customers to facilitate timely payments.
- Communicated with clients regarding payment terms and discrepancies effectively.
- Negotiate payment plans with customers in order to bring their accounts up-to-date.
- Investigated billing complaints and resolved disputes promptly to enhance customer satisfaction and maintain positive relationships.
- Performed research into disputed invoices or payments.
- Collaborated with sales teams to clarify billing issues and facilitate timely collections.
- Coordinated with other departments when necessary to resolve billing issues quickly and efficiently.
- Maintained detailed records of accounts receivable transactions and communications to ensure accurate tracking and reporting.
- Prepared bank deposits by verifying and balancing receipts and sending cash and checks to banks.
- Collaborated with sales teams to ensure timely collection of payments from clients.
- Assisted in setting up new customers within the system ensuring appropriate credit limits are applied.
- Collaborated with sales teams to ensure timely collection of payments from clients.
Education
Bachelor of Science - Business Administration
Skills
- Credit risk analysis
- Financial modeling
- Credit application review
- Data analysis
- Large dataset management
- Accounts receivable systems
- Advanced Excel skills
- High-volume receivables
- Analytical problem-solving skills
- Stakeholder communication
- Dispute resolution
- Customer relationship management
Languages
English
Native/ Bilingual
Italian
Full Professional
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
RemoteHybridSalary Range
$70000/yr - $200000/yrTimeline
Senior Credit Analyst - Southco, Inc
11.2021 - Current
Accounts Receivable Coordinator - Boston Scientific
11.2018 - 08.2021
Accounts Receivable Clerk - Corporation Service Company, CSC
12.2014 - 11.2018
Accounts Receivable Specialist - Corporation Service Company, CSC
05.2012 - 12.2014
Accounts Receivable Analyst - Genex
05.2010 - 05.2012
Neumann University - Bachelor of Science, Business Administration