Yvette Jacques
Plano,TX
Summary
Seasoned Senior Credit Collections Analyst with background in managing credit risk, assessing customer creditworthiness and setting credit limits. Strengths include thorough knowledge of collection procedures, negotiation skills, and ability to maintain accurate records of payment plans and recovery actions. Proven track record of reducing delinquency rates and improving cash flow in past roles.
Overview
14
14
years of professional experience
Work History
Senior Credit Collections Analyst
CTI Foods
Southlake, TX
10.2020 - 05.2025
- Managed portfolio of 200 overdue accounts, applying optimal collection strategies for timely collections.
- Collected over $300M in revenue as sole collections professional at CTI Foods.
- Achieved 'gold standard' DSO metrics consistently for more than 24 months.
- Generated $60M in quarterly revenue while meeting 95% target on all past due accounts.
- Identified and prioritized aging accounts to maximize collection outcomes.
- Fostered relationships with key client personnel to address and resolve payment issues.
- Conducted root cause analysis to resolve billing discrepancies and payment delays.
- Collaborated with Sales, Customer Service, and Brokering teams to enhance collection efforts.
Senior Credit Analyst
Pollack Orora
Grand Prairie, TX
06.2019 - 04.2020
- Analyzed and assessed the credit worthiness of potential and existing clients, managing a portfolio of 150 accounts $1M-$10M, including accounts with complex pricing and quantity structures.
- Consistently met department and group revenue targets as well as quarterly goals of 90% and above DSO for 30-60-90 day delinquencies.
- Consulted, liaised and negotiated with clients to establish payment terms and credit limits; arranged financial transactions to bring down outstanding balances.
- Reviewed and evaluated credit applications, financial statements, credits and deductions, payment history, and credit checks to facilitate risk analysis and mitigation processes.
Senior Commercial Credit Specialist
Tribune Publishing
Lewisville, TX
12.2017 - 02.2019
- Collected $8M+ in outstanding receivables, including 60-90 day delinquent balances for a 250-account portfolio.
- Addressed credit and collection issues for national daily newspapers, including Chicago Tribune, New York Daily News, The Baltimore Sun, and Sun Sentinel.
- Researched and resolved account disputes, billing and payment discrepancies; performed account reconciliations.
Credit Analyst - Commercial Collections Specialist
Boeing Company/Aviall
Coppell, TX
08.2017 - 11.2017
- Researched and analyzed credit applications to confirm clients' creditworthiness, managing a portfolio of 75 highly complex parts-purchasing accounts up to $4M.
- Reduced client payment delinquencies 10% by introducing, developing, and implementing collection policies that incorporated specific payment terms and timeframes.
- Assisted clients in arrears by devising and presenting specifically tailored collection strategies.
Account Administrator - Trade Specialist
CROSSMARK
Carrollton, TX
06.2017 - 08.2017
- Conducted trade spend accrual tracking, collating and validating customer deductions, reconciling trade spend programs, and inputting data into the proprietary CROSSMARK Planner/ERP system.
- Regularly reported updates to Business Account Manager and Accounts team.
- Continuously collaborated and communicated with Sales division to maintain a thorough understanding of commercial activities such as pricing, new product roll outs and promotions.
Collections Specialist
SWC Group
Dallas, TX
04.2017 - 06.2017
- Managed 300-400 inbound and outbound calls daily, initiating 3rd party collection efforts from business and residential customers, resulting in an 80% recovery of past due accounts.
- Researched multiple 3rd party accounts for in-house clients as requested, addressing issues with contracts, billing adjustments, dispute resolutions, and settlement negotiations.
- Addressed and escalated customer service issues regarding past-due collections.
Commercial Collections Specialist
Protection 1 Security
Irving, TX
09.2011 - 12.2016
- Managed 650 accounts totaling $10M in past due revenue as well as a portfolio of 300 multi-family properties totaling $15M in overdue revenue.
- Conducted all customer contact, written and verbal; identified reason for delinquency, coordinated payment procedures and monitored adherence to payment to ensure transition of accounts to current/settled status.
- Attained 91% of monthly goal for collected target balances for accounts 60-120 days delinquent.
- Utilized strong negotiating skills, recovering over 70% of all debts by pursuing collection of accounts and establishing win-win compromises between customers and Protection 1 Security.
- Reduced 60-120 day delinquent accounts to 1% of overall lowest for three consecutive months.
- Negotiated terms for recovery of past due balances of $1M- $20M for 90-120 day delinquent accounts.
- Guided collections team in best practices for invoice aging and management processes.
Education
High School Diploma -
Sweetwater High School
Sweetwater TX05-1992
Some College (No Degree) - Business Administration
Cisco Junior College
Cisco, TXSkills
- Credit analysis
- Collection strategies
- Accounts receivable
- Customer relationship management
- Negotiation skills
- Team collaboration
- Problem solving
- Portfolio management
- Dispute resolution
- Conflict resolution
- Managing delinquent accounts
- Account management
- Client relationship management
- Analytical skills
- Multitasking Abilities
- Critical thinking
- Billing procedures
- Billing dispute resolution
- Goal setting
- Negotiate credit extensions
- Analytical and critical thinking
Timeline
Senior Credit Collections Analyst
CTI Foods
10.2020 - 05.2025
Senior Credit Analyst
Pollack Orora
06.2019 - 04.2020
Senior Commercial Credit Specialist
Tribune Publishing
12.2017 - 02.2019
Credit Analyst - Commercial Collections Specialist
Boeing Company/Aviall
08.2017 - 11.2017
Account Administrator - Trade Specialist
CROSSMARK
06.2017 - 08.2017
Collections Specialist
SWC Group
04.2017 - 06.2017
Commercial Collections Specialist
Protection 1 Security
09.2011 - 12.2016
High School Diploma -
Sweetwater High School
Some College (No Degree) - Business Administration
Cisco Junior College
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