Sylvia Nival
AR Senior Analyst
Orlando,FL
Summary
Insightful Senior Credit Analyst known for high productivity and efficient task completion. Possess specialized skills in financial analysis, risk assessment, and regulatory compliance which enable success in fast-paced environments. Excel using critical thinking, analytical problem-solving, and effective communication to navigate complex credit portfolios and support business objectives.
Overview
18
18
years of professional experience
Work History
Military Collection Specialist
Natus Medical
Orlando, Florida
03.2019 - 01.2020
- Developed solutions to resolve customer payment disputes or discrepancies.
- Identified delinquent accounts and initiated appropriate collection action in accordance with the company's policies.
- Maintained accurate records of all collection activities in the computer system.
- Worked collaboratively with other departments to ensure timely resolution of customer issues.
- Met demands of busy collections group by performing high volume of daily calls.
- Achieved monthly collection targets through effective negotiation techniques.
- Updated collection databases and systems with payment arrangements and notes.
- Understand customer infrastructure, processes, and identify appropriate contacts in order to successfully address issues impacting payment performance.
Cash Posting Specialist
Signature Flight Support, BBA Aviation
Orlando , Florida
03.2019 - 01.2020
- Verified accuracy of data entered into computer system to ensure proper posting of payments.
- Researched, analyzed and resolved discrepancies between payment amounts and account balances.
- Maintained detailed records of postings, adjustments and other transactions for audit purposes.
- Performed daily reconciliation of cash postings against bank deposits.
- Reconciled unapplied payments using various sources including remittance advices, EOBs and statements.
- Reviewed credit card batches for accuracy prior to posting to ensure proper application of payments.
- Developed strategies for improving efficiency of cash posting activities.
- Successfully managed reconciliation of daily lockbox activities.
SR Credit Analyst
The AMES Companies Inc.
Orlando, FL
01.2021 - Current
- Reviewed and analyzed financial statements to assess creditworthiness of potential customers.
- Identified and monitored risks associated with customer accounts.
- Performed reviews of existing customer accounts to identify any changes in risk profile or payment trends.
- Maintained relationships with internal departments, such as sales teams, legal advisors, operations personnel, and external organizations, such as vendors.
- Provided training to junior staff members regarding credit policy and procedure implementation.
- Requested financial documents from customers.
- Collaborated closely with customers, using effective communication, and interpersonal strengths to gather important financial information.
- Assessed customer credit files regularly to review receivables.
- Manages and maintains a high-quality accounts receivable portfolio by taking the necessary steps to ensure credit decisions are based on prudent credit risk review.
- Makes collection calls on major accounts, problematic accounts, overdue accounts, reconciles account discrepancies (disputed invoices), establishes credit limits, and negotiates payment schedules.
- Worked closely with both customers and sales team to reconcile accounts and oversee payment negotiation.
- Identifies key barriers/core problems and applies problem-solving skills in order to deal creatively with complex situations.
- Enhances customer service by escalating customer issues and root causes of disputes to sales leaders for process improvement.
- Troubleshoots and resolves complex problems with current ERP systems.
- Conducted weekly team reviews to assess and address aging, concerns, disputes, and facilitate collaborative resolutions.
- May oversee the completion of projects and assignments, including planning, assigning, monitoring, and reviewing progress and accuracy of work, evaluating results, etc.
- Contributed to the implementation of enhanced procedures for releasing new sales orders.
- Review and Manage all Lien Waivers
- Work with IT in managing SNAP PAY
HOA Collection Specialist
Artemis Lifestyle Services
Kissimmee, FL
01.2020 - 10.2020
- Reviewed accounts for past due balances and contacted customers to arrange payment plans or collect payments.
- Developed solutions to resolve customer payment disputes or discrepancies.
- Ensured compliance with applicable federal and state laws governing collections practices.
- Processed returned checks promptly according to established procedures.
- Created letters and emails requesting payment from delinquent customers using approved templates.
- Worked collaboratively with other departments to ensure timely resolution of customer issues.
- Initiated legal proceedings against delinquent customers when necessary.
- Resolved disputes and negotiated settlements to satisfy all parties involved.
- Performed administrative functions for assigned accounts, recorded address changes and purged records.
- Notified credit departments and turned over records to attorneys when customers failed to respond to collection attempts.
Credit Manager
Galaxy Nutritional Food
Orlando, FL
03.2007 - 02.2019
- Conducted thorough evaluations on the creditworthiness of potential and current customers.
- Conducted annual review of credit applications and implemented updated credit scoring models and policies.
- Evaluated credit increase requests using available data to approve or reject them
- Calculated and established payment plans based on account aging and terms
- Facilitated client negotiations while adhering to regulations
- Enhanced efficiency of invoice approval on Military Portals through the implementation of EDI.
- Updated monthly Debit Reports for The Credit Team
- Maintained a seamless working relationship with the Sales Department to accurately calculate promotions resulting in securing commission.
- Collaborated with colleagues to identify areas of improvement and implement effective strategies.
- Implemented Lockbox Imaging to improve the cash posting process.
- Conducted and strategized a last-minute plan for reconciling a significant number of delinquent accounts.
Education
High School Diploma -
John F Kennedy High School
Bellmore, NY06-1982
Skills
- Policy and procedure management
- Credit risk analysis
- Relationship Management
- Portfolio Management
- Training and mentoring
- Credit analysis
- Excel
- AS400 System
- Oracle System
- SNAP PAY System
- GetPaid System
- LN System
- Dun & Bradstreet
Timeline
SR Credit Analyst
The AMES Companies Inc.
01.2021 - Current
HOA Collection Specialist
Artemis Lifestyle Services
01.2020 - 10.2020
Military Collection Specialist
Natus Medical
03.2019 - 01.2020
Cash Posting Specialist
Signature Flight Support, BBA Aviation
03.2019 - 01.2020
Credit Manager
Galaxy Nutritional Food
03.2007 - 02.2019
High School Diploma -
John F Kennedy High School
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