Summary
Work History
Education
Skills
Languages
Work Preference
Timeline
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

Neumann University, Aston, PA

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 work

Work Type

Full Time

Location Preference

RemoteHybrid

Salary Range

$70000/yr - $200000/yr

Timeline

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
Palmarino MarcozziSenior Credit Analyst