Shirlnetta King
Springfield,MO
Summary
Accomplished Credit & Collections Leader with 14 years of experience in managing commercial credit, accounts receivable, and collections operations. Expertise in optimizing collection strategies, reducing delinquency rates, and enhancing cash flow through effective account management and dispute resolution. Strong background in overseeing large-dollar accounts, conducting credit analysis, and implementing process improvements.
Overview
24
24
years of professional experience
Work History
Credit & Collections Lead
Dexter Distribution Group
Springfield, MO
03.2012 - 05.2026
- Managed collection efforts for national and high-value commercial accounts, negotiating payment arrangements and resolving complex account issues.
- Led credit and collections activities for two branch locations, maintaining healthy accounts receivable portfolios and supporting company cash flow objectives.
- Directed daily credit and collections operations for multiple branch locations while managing large-dollar and national customer accounts. Served as a key resource for credit decisions, process improvement initiatives, system implementation support, and employee development.
- Generated and analyzed A/R aging reports to identify delinquency trends and prioritize collection efforts, contributing to minimized bad debt exposure.
- Evaluated new customer credit applications and performed credit analysis to determine appropriate credit limits and payment terms.
- Made independent credit recommendations for both new and existing customers based on payment history, financial risk, and business needs.
- Acted as Subject Matter Expert (SME) for Microsoft Dynamics AX 2012 and 365, supporting system functionality and user troubleshooting to enhance departmental efficiency.
- Played a key role during the transition and implementation of Microsoft Dynamics 365, helping streamline workflows and improve department efficiency.
- Trained and mentored credit and accounts receivable personnel on company procedures, collection techniques, customer service standards, and system usage.
- Provided leadership and daily support to the credit department team, assisting with workload management and issue resolution.
- Resolved customer billing disputes through detailed account research and reconciliation, collaborating with internal departments to ensure customer satisfaction.
- Processed customer payments, account adjustments, invoicing, and statement generation while maintaining accurate account records.
- Utilized D&B reports and credit resources to assess customer creditworthiness and monitor risk exposure.
- Partnered with branch personnel, sales teams, and management to address account concerns and strengthen customer relationships.
Lawsuit Coordinator / Collector
NCO Financial Systems, Inc.
Springfield, MO
09.2002 - 01.2011
- Coordinated lawsuit assignments with external attorneys and legal representatives to ensure timely and effective legal action.
- Managed pre-litigation collection activities and coordinated legal account placement while ensuring compliance with company and client requirements.
- Reviewed delinquent accounts and prepared legal documentation for potential litigation.
- Verified employment and asset information to support legal collection efforts.
- Conducted collection activities through inbound and outbound customer communications.
- Negotiated payment arrangements and settlement agreements, enhancing recovery outcomes for delinquent accounts.
- Performed second-chance collection efforts on previously unresolved accounts.
- Researched account histories and resolved customer concerns through effective problem-solving techniques.
- Maintained detailed records and documentation, ensuring compliance and supporting legal and collection efforts.
- Delivered professional customer service while balancing recovery goals and regulatory requirements.
Education
Accounting & Finance
University of Phoenix
Tempe, ArizonaHigh School Diploma -
Central High School
Springfield, MissouriSkills
- Collections management
- Receivables operations
- Credit analysis
- A/R aging reports
- Debt recovery
- Dispute resolution
- Risk assessment
- Dynamics AX
- Process Improvement
- Cash Flow Improvement
- Payment processing
- Team leadership
- Relationship management
- Compliance management
Timeline
Credit & Collections Lead
Dexter Distribution Group
03.2012 - 05.2026
Lawsuit Coordinator / Collector
NCO Financial Systems, Inc.
09.2002 - 01.2011
Accounting & Finance
University of Phoenix
High School Diploma -
Central High School