Sandra Alejo
San Antonio,TX
Summary
Organized and dependable Credit/Financial Analyst successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Experienced with financial analysis and credit risk assessment. Utilizes advanced analytical skills to interpret complex financial data and provide actionable insights. Track record of effective collaboration and communication with cross-functional teams to achieve organizational objectives.
Overview
20
20
years of professional experience
Work History
Credit Analyst
Builders FirstSource
San Antonio, TX
07.2025 - 01.2026
- Analyzed credit data to assess risk and recommend lending decisions.
- Developed financial models to evaluate borrower creditworthiness and payment capacity.
- Collaborated with cross-functional teams to streamline reporting processes and enhance decision-making efficiency.
- Monitored industry trends and regulatory changes impacting credit policies and risk management strategies.
- Prepared comprehensive reports detailing credit analysis findings for senior management review and strategy formulation.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
- Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
- Improved overall portfolio quality, conducting regular reviews of existing accounts and recommending appropriate actions.
- Collaborated with cross-functional teams for comprehensive client assessments, supporting informed decision making.
- Attended credit-related training and conferences to stay informed about industry trends and developments.
- Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
- Collaborated with other teams to identify and mitigate risks impacting organization.
- Supported the sales team in negotiating favorable terms, balancing business growth and credit risks effectively.
- Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
- Made decisions and recommendations about extending lines of credit.
- Gathered loan documentation for underwriting.
- Facilitated team-oriented approach to complex credit analysis projects, enhancing overall accuracy and reliability.
- Advised senior management on credit risk trends, influencing strategic planning and risk management policies.
- Bolstered client relations and trust by providing clear explanations of credit decisions and suggestions for improvement.
- Analyzed and monitored portfolio credit performance against expectations and recommended improvement strategies.
- Investigated and resolved customer disputes related to credit decisions.
- Complied with internal controls and government regulations.
Clinical Research Financial Analyst
The START Center for Cancer Care
San Antonio, TX
10.2024 - 07.2025
- Reconciled complex account discrepancies through thorough research and collaboration with internal departments, ultimately resolving issues efficiently.
- Navigated challenging situations with professionalism and empathy, effectively negotiating payment arrangements to satisfy all parties involved.
- Maintained complete confidentiality when handling sensitive client information, upholding ethical standards at all times.
- Drove consistent progress toward key performance goals in accounts receivable, regularly monitoring and adjusting strategies as needed.
- Streamlined the month-end closing process, ensuring timeliness and accuracy of financial statements.
- Conducted comprehensive account reviews for accurate reporting and informed decision-making by senior management.
- Collaborated with cross-functional teams to resolve billing discrepancies and ensure proper revenue recognition.
- Identified opportunities for process improvements within the AR department, leading initiatives that increased efficiency without sacrificing quality or compliance standards.
- Reduced account delinquency rates through proactive sponsor communication and timely follow-ups on outstanding balances.
- Trained new hires on accounts receivable procedures, contributing to a knowledgeable and efficient workforce.
- Developed customized reports for management to track key performance indicators in accounts receivable operations.
- Improved overall financial performance with meticulous invoice generation, payment processing, and data analysis.
- Handled day-to-day accounting processes to drive financial accuracy.
- Generated invoices upon receipt of billing information and tracked collection progress.
Medical Staff Accountant/AR Research Analyst
Robert Half Finance & Accounting
San Antonio, TX
07.2023 - 10.2024
- Monitored accounts receivable, accounts payable and other account balances to track transactions, avoid discrepancies and maintain accuracy for a multi-million dollar Medical Corporation.
- Prepared and processed journal entries to record in general ledger and maintain consistent documentation.
- Participated in internal and external audit processes to establish accurate financial records and comply with Generally Accepted Accounting Principles and regulatory requirements.
- Prepared spreadsheets using formulas, V-lookup and other intermediate and advanced Microsoft Excel skills.
- Contacted internal and external customers to obtain documentation to support invoices and claims while following and complying with HIPPA Regulations.
- Analyzed aging reports to identify trends and patterns causing missed collections.
- Developed professional relationships with internal and external clients to encourage open communication and feedback.
- Collected, compiled and analyzed data to prepare customer invoices per contractual requirements.
- Identified, recommended and executed opportunities to enhance accounts receivable and billing processes to meet finance requirements.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Gathered, evaluated and summarized account data in detailed financial reports.
- Generated invoices upon receipt of billing information and tracked collection progress.
- Input financial data and produced reports using MS Dynamics GP ERP.
- Presented audit findings to accounting manager after reviewing results and paperwork.
Credit/Accounts Receivable Analyst
Robert Half Finance & Accounting
Schertz, TX
05.2022 - 06.2023
- Achieved applications of over $10 million + in unapplied cash through customers A/R aging reports, effectively lowering the vast amount of unapplied cash and bringing 5 multi-million dollar accounts current.
Documented and resolved routine accounts receivable issues of 5 major customer accounts which led to the reduction of overdue and outstanding sales/invoice values by 95%. - Served as the point of contact for my portfolio of 5 multi-million dollar customer accounts.
- Collaborated with the cash applications,credit and sales teams nationwide in the resolutions of major A/R issues.
- Used Microsoft Excel to develop macros and detailed spreadsheets which led to the overall reduction in time needed to claim purchase orders from 1 full day to 1-2 hours.
- Achieved getting all 5, multi-million dollar, accounts in my portfolio off the top 10 past due accounts on a corporate level by completing daily A/R cleanups with accuracy and efficiency.
Worked with and assisted with analyzing and resolving A/R issues with several other accounts not within my portfolio. - Analyzed aging reports to identify trends and patterns causing missed collections.
- Posted cash receipts to customer accounts to maintain current and accurate account balances.
- Collected, compiled and analyzed data to prepare customer invoices per contractual requirements.
- Liaised cross-functionally with credit, sales and cash applications teams to resolve changes or modifications to revenue recognition or invoicing process.
- Contacted internal and external customers to obtain documentation to support invoices and claims.
- Prepared spreadsheets using formulas, V-lookup and other intermediate and advanced Microsoft Excel skills.
- Identified, recommended and executed opportunities to enhance accounts receivable and billing processes to meet finance requirements.
- Matched purchase orders with invoices and recorded necessary information.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Collaborated with cash applications, credit and sales teams nationwide in resolutions of major A/R issues.
- Worked with and assisted with analyzing and resolving A/R issues with several other accounts not within my portfolio.
- Presented audit findings to accounting manager after reviewing results and paperwork.
- Leveraged accounting and finance experiences and expertise to identify, propose and implement automated solutions and reduce manual processes.
Director of Finance
Our Lady of the Atonement Catholic Church
02.2021 - 04.2022
- Established and enforced controls on revenue and expenses to protect company assets, reducing overall debt by $1 million within first year.
- Managed day-to-day operations within 5-person finance department for both Parish and School.
- Improved resource utilization with data management system, reducing costs through strategic coordination and contract analysis.
- Spearheaded expansion strategies to increase overall charitable contributions by 25% within my first year as Director of Finance.
- Achieved successful online giving campaign during Covid years, yielding 50% increase in online giving within 1st month's launch.
- Generated financial and operational reports to assist Board of Directors and Finance Committee with development of business strategies.
- Successfully lead restructuring of Parish and School Finance Department after unforeseen reduction in staff and man power due to Covid.
- Orchestrated and deployed online employee timekeeping program to improve measurements of overtime and employee work hours.
- Researched payroll errors and processed payments for federal and state taxes, social security, Medicare and various employee deductions, annuity contributions and retirement plan withholdings.
- Performed calculations in overtime, vacation and sick hours to provide accurate data to payroll processing database.
- Calculated deductions and processed payroll for employees.
- Set clear departmental objectives and developed effective strategies to achieve targeted goals.
- Strengthened purchasing operations by proactively managing and optimizing Business Office operations.
- Enhanced internal control systems and procedures to mitigate risk and support opportunities.
Bookkeeper
Our Lady of the Atonement Catholic Church
10.2019 - 01.2021
- Posted daily receipts and payments in accordance with corporate protocols.
- Reviewed and processed employee expense reports and vendor invoices for payment.
- Reported financial data and updated financial records in ledgers and journals.
- Verified accurate recordkeeping processes, reducing financial inconsistencies.
- Completed payroll for employees and maintained detailed records of procedures.
- Applied proper codes to invoices, files and receipts to keep records organized and easily searchable.
- Organized and carried out proactive month-end, quarterly and year-end processes.
- Verified postings to ledgers to confirm accurate entry and account balances.
- Eliminated discrepancies in finances by expertly documenting expenses, monitoring income, handling bank deposits and managing statements.
- Identified accounting errors when cross-referencing documents and database information.
- Reconciled and corrected issues with financial records.
- Maintained and processed invoices, deposits and money logs.
- Supported operations by communicating with customers, filing documents and managing data from multiple platforms.
Accounting Clerk
Our Lady of the Atonement Catholic Church
01.2018 - 09.2019
- Successfully created new chart of accounts for Parish Accounting Software and responsible for migrating all accounting data.
- Input high volume of monthly invoices with consistent accuracy.
- Completed biweekly payroll for company personnel.
- Reconciled company accounts for credit cards, employee expenses and all asset accounts.
- Balanced and submitted financial reports for review and approval.
- Completed financial reports, providing insight into performance, operations and cash flow.
- Tracked expenses to comply with budgets.
- Maintained accurate and complete documentation to facilitate accounting and filing functions.
- Managed accounts payable, accounts receivables and payroll.
- Analyzed and verified employee expense reports for accuracy.
- Monitored status of accounts receivable and payable to facilitate prompt processing.
- Assisted in review and revision of budgets based on business needs.
Aide/Business Office Staff Member
Our Lady of the Atonement Catholic Church
02.2017 - 12.2018
- Collect and record student data into Computer software, as well as, student records
- Help in Substitute for all class levels from Pre-K4 to 12th Grade
- Monitor and supervise student lunch hours
- Assist Business Manager with data entry and scheduling of School Schedule
- Assist in daily office duties such as student attendance, end of day carline etc.
Billing Specialist
Antonio Eye Center
01.2012 - 05.2012
- Management and Organization of patient Collection accounts
- Posting of payments received from Insurance Providers
- Coordinated with Insurance providers for outstanding balances on patient accounts
Patient Coordinator / Ophthalmic Technician
San Antonio Eye Center
05.2010 - 10.2011
- Registering patients, Data Entry, Scanning, and filing information into electronic health records
- Validating Identification and Insurance Benefits
- Collecting Payments
- End of Day consolidation and Balancing
- Assisting in the training of new Patient Coordinators
- Collection of patient medical histories and other information such as test results in medical records
Senior Bank Teller
J.P. Morgan Chase
01.2006 - 05.2010
- Combined customer service talents with problem solving and money-handling skills to assist customers
- Managed and balanced the Teller Cash Dispensers
- Assisted in the creation of Weekly Employee Schedules
- Assisted in the training of new tellers
- Assisted customers in person and on the phone with all banking needs
Education
Bachelors - Business Administration, Concentration Accounting
University of The Incarnate Word
San Antonio, TX12.2010
Skills
- Proficient in Microsoft Office Suite programs
- Excellent communication skills
- Strong in both teamwork and individual management
- Critical and Analytical Thinking
- Prioritizing and Planning
- Credit analysis
- Financial statement analysis
- Oral and written communications
- Proficient in Microsoft Dynamics GP
- Data interpretation
- High risk account reviews
- Customer service
Timeline
Credit Analyst
Builders FirstSource
07.2025 - 01.2026
Clinical Research Financial Analyst
The START Center for Cancer Care
10.2024 - 07.2025
Medical Staff Accountant/AR Research Analyst
Robert Half Finance & Accounting
07.2023 - 10.2024
Credit/Accounts Receivable Analyst
Robert Half Finance & Accounting
05.2022 - 06.2023
Director of Finance
Our Lady of the Atonement Catholic Church
02.2021 - 04.2022
Bookkeeper
Our Lady of the Atonement Catholic Church
10.2019 - 01.2021
Accounting Clerk
Our Lady of the Atonement Catholic Church
01.2018 - 09.2019
Aide/Business Office Staff Member
Our Lady of the Atonement Catholic Church
02.2017 - 12.2018
Billing Specialist
Antonio Eye Center
01.2012 - 05.2012
Patient Coordinator / Ophthalmic Technician
San Antonio Eye Center
05.2010 - 10.2011
Senior Bank Teller
J.P. Morgan Chase
01.2006 - 05.2010
Bachelors - Business Administration, Concentration Accounting
University of The Incarnate Word