SONIA MAX
Covington,TN
Summary
Senior Credit Analyst * AR Supervisor * Collection Manager
20 years experience in B2B credit and collections including 2 yrs as Credit Manager. Detailed knowledge of business processes & O2C Cycle. Passion for overcoming complex challenges with creative and effective solutions. Enthusiastic Leader driving team success through professional growth & personal accountability. Motivating the pursuit of excellence through a collective mindset & unwavering support. Decisive, results-oriented, and thoughtful communicator, who values teamwork, accountability, and high achievement.
Overview
20
20
years of professional experience
Work History
Senior Credit Analyst
Power & Telephone
Piperton, TN
08.2022 - Current
- B2B Credit Risk analysis for new customers & annual reviews,
- Fraud detection & prevention,
- Collections on $33M telecom portfolio
- Reduced past due invoices from 7.6% to 2.7% focusing on over 30 days beyond terms 4 months and maintained to date
- Collected 73%, validated credits for remaining 27% of open balances over 6 months beyond terms, saving $270K in bad debt write-offs
- Introduced CEI (Collection Effectiveness Index), secured buy-in from management to use as new KPI and instructed team on how to calculate it
- Helping each team member to self-assess areas to improve on, determine what is working and what isn’t.
- Created in-depth credit presentations that were user-friendly and easy to understand.
Credit Supervisor
Indigo Ag
Memphis, TN
04.2019 - 01.2022
- Startup Agricultural Commodities & Carbon credit broker, Direct, manage and coordinate the workflow of two credit analysts and one lien specialist.
- Author best practices for liens and credit
- Worked with ERP team to build collection module, set collection strategies and set up MDM for customer hierarchies.
- Achieved reduction in past due percentages, lowering them from 57% to 19.8% within 30 days.
- Successfully reconciled and allocated two years' worth of unapplied cash 2 months.
- Oversaw transition from manual AR functionality to Oracle cloud, with minimal downtime.
Senior Credit Risk Reporting Analyst
ABB, Inc
Memphis, TN
10.2010 - 04.2019
- Responsible for credit/collections of sensitive & special care accounts portfolio of $48 million.
- Resolved short payment/disputed invoice processing, customer service.
- Developed & implemented training program for offshore GBS team, covering multiple processes related to collections, cash applications, credit team functions.
- Managed Kaizen reducing month end close from 6.7 to 5.1 days.
- Ranked first in department for quarterly average DSO of 38 days.
- Hand selected as customer facing point of contact during Thomas & Betts /ABB Inc acquisition.
- Decreased overall error rate 32% by accurately effectively maintaining all required databases, spreadsheets, & tracking mechanisms.
- Achieved estimated $200K/qtr. in savings by developing effective tracking program.
Skills
- Team building
- Time management
- Strategic planning
- Root Cause Analysis
- Monthly Closing
- Business Process Mapping
- Workflow Optimization
- Collection Strategy
- Training and Development
- Advanced Excel
- Oracle erp systems & others
Timeline
Senior Credit Analyst
Power & Telephone
08.2022 - Current
Credit Supervisor
Indigo Ag
04.2019 - 01.2022
Senior Credit Risk Reporting Analyst
ABB, Inc
10.2010 - 04.2019
Associate of Science - Business Economics
Dyersburg State Community College
Education
Associate of Science - Business Economics
Dyersburg State Community College
Covington, TNSimilar Profiles
Mary GudgelMary Gudgel
Customer Service Representative at Alaska Power And TelephoneCustomer Service Representative at Alaska Power And Telephone
Nathan HilbrandNathan Hilbrand
Network Field Technician at Runestone Telephone AssociationNetwork Field Technician at Runestone Telephone Association
Sean BellSean Bell
Level 2 Technician at Guadalupe Valley Telephone CompanyLevel 2 Technician at Guadalupe Valley Telephone Company
Jason HoneycuttJason Honeycutt
Equipment Operator at Tabernacle FarmsEquipment Operator at Tabernacle Farms
Devin PhippsDevin Phipps
Carpenter Subcontractor at Self-employeedCarpenter Subcontractor at Self-employeed