Summary
Overview
Work History
Education
Skills
Accomplishments
knowledge of the following:
Additional Information
Timeline
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Tina Elliott

Indianola,IA

Summary

Competent Credit Analyst bringing a wealth of experience in analyzing documentation to determine the level of risk involved. Offering excellent time management and interpersonal skills and a desire to work for a leasing and financial company. Highly trained Credit Analyst offering excellent skills in managing issues, updating files and reviewing financial statements. Pursuing a similar position where a well-qualified individual with an understanding of collections is highly sought. Credit Analyst knowledgeable in conducting background checks and developing methodologies to predict future risk behaviors. Looking to bring further success to a company through excellent attention to detail and a keen understanding of regulatory procedures. Forward-thinking Credit Analyst with customer correspondence and credit analysis expertise. Offering more than 10 years of resolving credit disputes and making recommendations on bad debt accounts. Accomplished Credit Analyst promoting more than 10 years developing skills in customer service, account oversight and collections. Hardworking and passionate job seeker with strong organizational skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

12
12
years of professional experience

Work History

Credit Analyst

Herschel Parts Inc.
08.2022 - Current
  • Enhanced credit risk assessment by conducting thorough financial statement analysis and cash flow projections.
  • Streamlined loan approval process for faster results by implementing an efficient credit scoring system.
  • Reduced delinquency rates with proactive monitoring of clients'' credit performance and timely communication.
  • 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.
  • Enhanced customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
  • Identified potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Monitored credit accounts routinely to identify and mitigate issues and prevent losses.
  • Reviewed and approved or denied credit applications to keep organization profitable by making informed lending decisions.
  • Negotiated payment plans and loan terms with delinquent customers.

Accounts Receivable Clerk

George Risk Industries
05.2018 - 05.2022
  • Improved cash flow by streamlining the invoicing process and implementing a more efficient payment tracking system.
  • Reduced outstanding account balances through diligent follow-up on overdue invoices and negotiating payment arrangements with clients.
  • Enhanced financial reporting accuracy by reconciling accounts receivable ledger with general ledger monthly.
  • Collaborated with sales team to resolve billing discrepancies, resulting in improved customer relationships and increased client satisfaction.
  • Retrieved all information for auditing.
  • Handled phones.
  • Expedited revenue collection by consistently meeting deadlines for generating accurate monthly statements and timely invoice submissions.
  • Decreased uncollectible debt by closely monitoring accounts and promptly identifying high-risk customers for management review.
  • Assisted in annual audit preparation, ensuring accurate representation of accounts receivable records and compliance with accounting standards.
  • Maintained up-to-date customer contact information, enabling effective communication regarding account status and payment inquiries.
  • Streamlined credit approval process by conducting thorough analyses of new client applications, reducing financial risk exposure.
  • Increased efficiency of collections efforts through development of targeted strategies for contacting delinquent accounts.
  • Contributed to month-end closing procedures by preparing detailed accounts receivable aging reports for management review.
  • Facilitated dispute resolution between company and clients, fostering positive working relationships while protecting company interests.
  • Supported cash forecasting initiatives by providing accurate data on outstanding receivables and expected payments from clients.
  • Provided exceptional customer service when addressing client inquiries about their account status or billing concerns, building strong, long-lasting relationships.
  • Coordinated with other departments to ensure accurate application of payments, credits, and adjustments to client accounts.
  • Prepared and mailed invoices to customers, processed payments, and documented account updates.
  • Responded to inbound inquiries regarding accounts and payments.
  • Submitted cash and check deposits and generated cash receipts to record money received.
  • Reconciled accounts receivable ledger to verify payments and resolve variances.
  • Made outbound calls to vendors and customers to discuss and resolve account needs.
  • Applied proper codes to invoices, files, and receipts to keep records organized and easily searchable.
  • Used accounting software to reconcile accounts, track income, and generate invoices.
  • Followed up overdue payments and payment plans from clients to establish good cash flow.
  • Developed and maintained positive relationships with clients to maximize collections.
  • Monitored accounts to verify compliance with payment terms and schedules.
  • Reviewed accounts on monthly basis to assess aging and pursue collection of funds.
  • Generated monthly accounts receivable reports to submit developments for management review.
  • Contacted clients with past due accounts to formulate payment plans and discuss restructuring options.
  • Identified, researched, and resolved billing variances to maintain system accuracy and currency.
  • Negotiated payment arrangements with customers to establish timely receipt of payments.
  • Safeguarded documents of accounts receivable and payments to enable tracking history and maintain accurate records.
  • Handled day-to-day accounting processes to drive financial accuracy.
  • Recorded deposits, reconciled monthly bank accounts and tracked expenses.
  • Matched purchase orders with invoices and recorded necessary information.
  • Managed and responded to correspondence and inquiries from customers and vendors.
  • Reconciled company bank, credit card and line of credit accounts, investigating and resolving discrepancies to keep accounts audit-ready.
  • Maintained account accuracy by reviewing and reconciling checks monthly.
  • Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
  • Entered figures using 10-key calculator to compute data quickly.
  • Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.

Treasury Assistant

Cabela's
03.2016 - 03.2018
  • Managed daily financial functions in collaboration with accounting and payroll personnel.
  • Worked in check room daily to create payments to vendors and customers as well as doing the payments for ComData customers.
  • Worked closely with merchandisers and buyers to create and maintain customers in the system.


Accounts Receivable Clerk

Cabela's
06.2012 - 03.2018
  • Improved cash flow by streamlining the invoicing process and implementing a more efficient payment tracking system.
  • Reduced outstanding account balances through diligent follow-up on overdue invoices and negotiating payment arrangements with clients.
  • Decreased uncollectible debt by closely monitoring accounts and promptly identifying high-risk customers for management review.
  • My main AR job was handling RTV's (return to vendor) and making sure that product was returned to Cabela's and either payments or returns were processed.
  • Handled large vendor accounts, such as Remington, Columbia, WeatherTech and the like.

Education

License of Cosmetology - Hair Dressing

Milwaukie Beauty School
Milwaukie, Oregon
03.1995

High School Diploma -

West Linn High School
West Linn, OR
06.1985

Skills

  • Oral and written communications
  • Financial statements expertise
  • Credit decisions
  • Verbal and written communication
  • Risk Assessment
  • Information Verification
  • Industry standards
  • Data Interpretation
  • Credit analysis
  • Cash Flow analysis
  • Credit risk
  • Financial statement review
  • Credit Scoring
  • Attention to Detail
  • Organizational Skills
  • Time management abilities
  • Multitasking Abilities
  • Self Motivation
  • Collections Management
  • Decision-Making

Accomplishments

  • Supervised team of 6 hairdressers as a salon manager and hairdresser.
  • Ordering products for salon and keeping inventory updated.
  • Went to classes regarding current styles and color.
  • Product Promotion - Up-sold products and motivated customers to upgrade current product plans.
  • Monetary Transactions - Handled cash, check, credit and automatic debit card transactions with 100% accuracy.
  • Conflict Resolution - Responsible for handling customer account inquiries, accurately providing information to ensure resolution of product/service complaints and customer satisfaction.

knowledge of the following:

AS400

JDE

JDA

10 KEY

EXCEL

WORD

POS

TERMSYNC

AUTHORIZE.NET

MY MERCHANT


Additional Information

I have over 30 years of customer service, retail and retail management experience.

Timeline

Credit Analyst

Herschel Parts Inc.
08.2022 - Current

Accounts Receivable Clerk

George Risk Industries
05.2018 - 05.2022

Treasury Assistant

Cabela's
03.2016 - 03.2018

Accounts Receivable Clerk

Cabela's
06.2012 - 03.2018

License of Cosmetology - Hair Dressing

Milwaukie Beauty School

High School Diploma -

West Linn High School
Tina Elliott