Job Summary: 

• Contact customers to obtain needed financial information to review customer accounts
• Review orders frequently throughout the day and take action 
• Review supporting information to maximize sales and mitigate risk
• Perform system transactions within the SAP
• Review customer accounts to ensure accurate limits are set based on available financial information
• Establish relationships and maintain close contact with the appropriate Business and Corporate personnel regarding credit risk situations
• Coordination of accounts for regular review
• Maintain resell certificate database.
• Provide supervisor with reports and recommendations on root cause analysis
• Collaborate with internal team members to identify, address and resolve items from potentially disparate pieces of the company's financial interests
• Process online credit applications in accordance with Department and Group policy.

Skills on Resume: 

• Customer Contact (Soft Skills)  
• Order Review (Hard Skills)  
• Risk Mitigation (Hard Skills)  
• SAP Transactions (Hard Skills)  
• Credit Limit Assessment (Hard Skills)  
• Relationship Building (Soft Skills)  
• Database Maintenance (Hard Skills)  
• Team Collaboration (Soft Skills)  

Job Summary: 

• Monitors the construction loan process and requirements of the Business Banking lending portfolio with adherence to regulatory, Bank, and general business guidelines and conditions
• Communicate with customers, general contractors and third party construction vendors to collect items required to clear conditions to close, and drive a deal toward closing.
• Manage a pipeline and/or customer portfolio as well as expediting the loan closing process.
• Obtain all necessary construction due diligence required to meet the terms and conditions of credit approval.
• Assist in providing exemplary service to lending customers 
• Coordinate the closing date with the customer and the markets, while managing an active pipeline.
• Analyze and segment customers based on pre-determined standards
• Work with customers to create legal documents such as payment plans
• Maintain customer status and information
• Manage disposition of complex payment plans
• Tag customer deposits and create new accounts

Skills on Resume: 

• Loan Process Monitoring (Hard Skills)  
• Customer Communication (Soft Skills)  
• Pipeline Management (Hard Skills)  
• Due Diligence (Hard Skills)  
• Customer Service (Soft Skills)  
• Closing Coordination (Hard Skills)  
• Customer Analysis (Hard Skills)  
• Legal Documentation (Hard Skills)  

Job Summary: 

• Manage day to day Order to Cash Process for several different corporate entities, including timely and accurate account monitoring while providing the highest level of customer service
• Create and review various reporting and analysis requirements including customer and bank statements on a recurring basis to ensure all issues are identified and addressed in a timely manner
• Respond to all customer inquiries
• Reconcile statements, research and correct discrepancies
• Partner with Collection team for daily receipt application, cash management and debit/credit memo creation
• Support Retail stores with cash reports, gift cards processing etc.
• Maintain files and documentation thoroughly and accurately, in accordance with company policy and accepted accounting practices
• Interact with customers to collect repayment of rebills
• Respond to customer`s emails & phone calls with a timely manner
• Status reporting on customer deductions
• Establish relationships and maintain close contact with the appropriate business unit and corporate personnel

Skills on Resume: 

• Order to Cash Management (Hard Skills)  
• Data Analysis (Hard Skills)  
• Customer Service (Soft Skills)  
• Reconciliation (Hard Skills)  
• Cash Management (Hard Skills)  
• Documentation Management (Hard Skills)  
• Communication Skills (Soft Skills)  
• Relationship Building (Soft Skills)  

Job Summary: 

• Responsible for collecting and keying all pertinent customer data as it relates to the processing and approval of all new customers, audit existing customer data to ensure accuracy and conformity with corporate policies.
• Work with sales to ensure all proper documentation is provided with new customer paperwork:
• Review credit applications to ensure completion and precision
• Communicate weekly with sales reps on status of account openings
• Collect trade and bank references as well as other pertinent customer data as it relates to the processing and approval of new accounts
• Conduct periodic risk analyses to determine credit limits and terms
• Prepare credit proposal (for applications that surpass the initial review performed by the credit specialist) to present to the Director of Credit for review and final approval
• Notify customers of the status of credit application in a formal letter
• Perform quarterly data analysis to ensure all customer data fields as they relate to credit limits and terms have been updated with any changes and are correct (e.g. discounts, credit limits, credit criteria, checking for inactive accounts that should be closed)
• Upload resale certificates into CertCapture regularly but at least weekly, perform periodic audits of resale certificates as well as routine campaigns
• Ensure have the most recent and valid resale certificate on file for all customers. 

Skills on Resume: 

• Data Management (Hard Skills)  
• Documentation Review (Hard Skills)  
• Credit Application Analysis (Hard Skills)  
• Communication Skills (Soft Skills)  
• Risk Analysis (Hard Skills)  
• Proposal Preparation (Hard Skills)  
• Customer Notification (Soft Skills)  
• Data Auditing (Hard Skills)  

Job Summary: 

• Correct and timely set up of customer accounts. 
• Being accountable for the administration of  customer account database
• Responsible for credit assessments of customers within an assigned market based on information from credit rating agencies, e.g. D&B
• Chasing overdue debts by following the whole dunning procedure effectively
• Preparing monthly bad debt reserve and monitoring the write-off and purge process
• Supporting the AR -Team and the centralized cash application
• Acting as an interface to other departments, e.g. Sales Dept. and replying to regular and special requests in a timely manner
• Manages basic customer account portfolio including credit limits, risk category, collections efforts, partner refunds, disputes, credit adjustments and write offs
• Reviews and evaluates basic financial statements, credit reports, bank & trade references and recommend credit limits for new and existing partners
• Actively participates in Trade Credit Groups and Active participant in bi-annual credit limit review
• Assists with Month End reporting.

Skills on Resume: 

• Account Setup (Hard Skills)  
• Database Management (Hard Skills)  
• Credit Assessment (Hard Skills)  
• Debt Collection (Hard Skills)  
• Financial Analysis (Hard Skills)  
• Cross-Department Collaboration (Soft Skills)  
• Portfolio Management (Hard Skills)  
• Reporting and Compliance (Soft Skills)  

Job Summary: 

• Provides information and solutions as frontline support to channel partners, customers and other Deere areas to provide high level of service.
• Completes and manages the application process between channel partners and other Deere areas.
• Provides support for finance products and systems to customers and dealers including digital solutions and finance quoting.
• Adhere to both internal and external legislation, policies and procedures
• Continually assess and help to identify and improve operating procedures
• Uphold Express brand image and customer loyalty through outstanding customer service
• Provide service via phone and e-mail for Nordic, mostly Finnish, consumer card members in credit related issues and enquiries
• Enable spend for card members – make credit decisions
• Manage credit limits on credit cards and collect overdue balances
• Manages customer order activity and credit holds
• Shares cash application and cash posting responsibilities

Skills on Resume: 

• Customer Support (Soft Skills)  
• Application Management (Hard Skills)  
• Product Knowledge (Hard Skills)  
• Compliance Adherence (Hard Skills)  
• Process Improvement (Soft Skills)  
• Customer Loyalty (Soft Skills)  
• Credit Decision Making (Hard Skills)  
• Order and Cash Management (Hard Skills)

Job Summary: 

• Guide customers through the loan application process.
• Confidentially manage, analyze, and process customers' credit applications, ensuring accuracy of customer data and adherence to Vroom's processing policies.
• Complete loan applications, and submit applications to lenders for approval based on credit profile.
• Collect and verify stipulations with customers to ensure all application requirements are met.
• Build trust by understanding the unique needs of customers, and offer appropriate solutions to meet those needs.
• Set up and prepare loan structures in order to accurately quote financing parameters to customers.
• Structure sales of Vroom’s autos to meet customer needs and financing parameters.
• Present and sell protection products for customers, including Gap, vehicle service contracts, and tire wheel protection plans.
• Educate customers on financial products (i.e. mortgages, investment products, auto financing and insurance products).
• Provide exceptional service to customers.

Skills on Resume: 

• Customer Guidance (Soft Skills)  
• Credit Application Processing (Hard Skills)  
• Loan Structuring (Hard Skills)  
• Data Verification (Hard Skills)  
• Trust Building (Soft Skills)  
• Sales and Negotiation (Soft Skills)  
• Product Knowledge (Hard Skills)  
• Customer Service (Soft Skills) 

Job Summary: 

• Answer incoming calls, emails, and faxes promptly while exhibiting superior customer service.
• Handling customer credit packets, emailing to traffic department and providing documents
• Completing credit review and set up in LME utilizing Dun & Bradstreet and Ansonia reports to obtain financial, commercial, transportation scores, suits, liens, and judgments for credit line approval.
• Review of existing accounts for credit line increase.
• Confirming customer authority and surety bonds 
• Obtaining completed credit applications, confirming legal name, address, company headquarters, branch locations, years in business, payment trends, credit reports, as well as obtaining bank and credit references.
• Working with billing and collection departments for billing profiles, COD loads, new account set up, and credit card payments.
• Responsible for implementing guardrails to prevent customer from falling behind again, tracking and monitoring accounts
• Maintains promissory notes for the region
• Responsible for mentoring new hires for the team
• Responsible for working with customers to collect on complex and large dollar accounts
• Reports on progress to Sales and AR leadership

Skills on Resume: 

• Customer Service (Soft Skills)  
• Credit Documentation (Hard Skills)  
• Credit Analysis (Hard Skills)  
• Account Review (Hard Skills)  
• Legal Compliance (Hard Skills)  
• Data Verification (Hard Skills)  
• Collaboration (Soft Skills)  
• Mentorship (Soft Skills)  

Job Summary: 

• Lead monitoring of existing customer portfolio performance and implement procedures to mitigate identified risks at the customer and/or market segment level.
• Collaborate closely with the accounts receivable management team communicating and executing risk strategies to improve and sustain accounts receivable performance and minimize bad debt.
• Assess complex credit requests and produce a recommendation after undertaking a thorough analysis of a variety of factors and careful analysis of a client’s financial statements, credit data / credit bureau reports, historical performance, market and economic trends and credit structure.
• Complete concise credit assessments and present Senior Management.
• Liaise with the Livingston’s treasury department and provide recommendations for proposed credit structures.
• Represent Livingston at customer meetings, review credit assessments and negotiate credit terms with customer executives.
• Accountable for management and reporting of insolvencies and other customer initiatives under and bankruptcy regulations and laws.
• Maintain various financial databases and month end reporting requirements.
• Assemble and synthesize large and varied data sets needed to run risk management models.
• Develop processes and best practices surrounding credit, collections and proactive management of a complex customer portfolio
• Act as a credit subject matter expert on customer, projects or other initiatives

Skills on Resume: 

• Risk Management (Hard Skills)  
• Team Collaboration (Soft Skills)  
• Credit Analysis (Hard Skills)  
• Analytical Skills (Soft Skills)  
• Financial Review (Hard Skills)  
• Negotiation Skills (Soft Skills)  
• Bankruptcy Knowledge (Hard Skills)  
• Data Analysis (Hard Skills)  

Job Summary: 

• Research and resolve all past due account balances including gathering PODs, BOLs, and other items to improve collectability.
• Taking credit card payments from customers.
• Meeting weekly with credit team and/or Credit Manager and monthly with the VP of Sales to go over all issues to assure that accounts receivables are within established guidelines, and following accounts closely 
• Determine when action is needed to prevent unnecessary risks including working closely with Sales and Customer Service Team.
• Work with third party collection agencies when needed on the collection of past due balances.
• Monitor statement generation and ensure customers are contacted to correct email when there are kickbacks.
• Assist with Lien Waivers and verifications for approval.
• Works cooperatively with other areas of the bank to accomplish goals.
• Understands and complies with all bank procedures, laws and federal regulations.
• Completes all required and ongoing education and training.

Skills on Resume: 

• Accounts Receivable Management (Hard Skills)  
• Payment Processing (Hard Skills)  
• Collaboration (Soft Skills)  
• Risk Mitigation (Hard Skills)  
• Communication Skills (Soft Skills)  
• Third-Party Collections Management (Hard Skills)  
• Compliance Knowledge (Hard Skills)  
• Problem-Solving (Soft Skills)  

Job Summary: 

• Review blocked orders daily, research and investigate reason customer is on hold and take action to either recommend order release or work with customer on any past due balances.
• Establish and update information on new and existing customers.
• Financial statement and credit reporting analysis and interpretation of information to minimize risk.
• Knowledge of Euler Hermes including filing claims and requesting credit coverage
• Monitoring, researching and correcting any problems regarding sales tax such as collecting exemption certificates or issuing credits for incorrectly billed sales tax.
• Responsible for monitoring critical customers and those with high past due balances to reduce risk.
• Issuing promissory notes or payment arrangements on past due balances.
• Prepare write off report to Credit Manager for approval.
• Issuing refund requests for approval.
• Serve as back up for all collection activities assigned to the Collections Specialist.
• Serve as back up for all credit activity assigned to the Credit Analyst.

Skills on Resume: 

• Order Management (Hard Skills)  
• Customer Account Management (Hard Skills)  
• Credit Analysis (Hard Skills)  
• Risk Assessment (Hard Skills)  
• Problem-Solving (Soft Skills)  
• Knowledge of Euler Hermes (Hard Skills)  
• Communication Skills (Soft Skills)  
• Attention to Detail (Soft Skills)  

Job Summary: 

• Clear financial exceptions from the loan system by reviewing accuracy of documentation
• Add reporting requirements for new and existing borrowers to the system by reviewing reporting requirements presented in the loan agreements
• Prepare financial spreads and analysis and post funding review on credits in the Loan Portfolio
• Prepare financial spreads and analysis on credits in the industry specific concentration reports and provide analysis to Senior Credit Officer
• Effectively communicate with lending personnel including Loan Officers, Lending Assistants and other departments in the organization.
• Calculate financial covenants and communicate with the Senior Credit Officer and Loan Officer if borrower is in compliance with covenants
• Serve as back up to Credit Assistant regarding pulling credit and Lexis Nexis
• Assist the credit department and Commercial Bankers 
• Actively participates in preventing internal and external fraudulent activity to prevent losses
• Follow all established policies and procedures in completing the essential duties
• Follows Texan Bank's goals, mission, vision and values.

Skills on Resume: 

• Financial Documentation Review (Hard Skills)  
• Loan System Management (Hard Skills)  
• Financial Analysis (Hard Skills)  
• Attention to Detail (Soft Skills)  
• Effective Communication (Soft Skills)  
• Compliance Monitoring (Hard Skills)  
• Team Collaboration (Soft Skills)  
• Fraud Prevention (Hard Skills)

Job Summary: 

• Evaluate a customer’s credit risk and level of AR exposure
• Recommend credit lines after an in-depth review of a customer’s risk profile
• Review financial statements, produce financial ratios and other risk metrics 
• Risk rate customer base to ensure risk is assigned across all business platforms
• Perform detailed credit analysis as directed by management
• Place accounts on credit hold if deemed a financial risk to the company
• Evaluate accounts on credit hold and communicate to upper management reasons why on hold
• Analyze credit agency reports such as D&B and other credit agencies as applicable
• Assist with various process improvements within the A/R Department

Skills on Resume: 

• Financial Analysis (Hard Skills)  
• Credit Risk Assessment (Hard Skills)  
• Analytical Thinking (Soft Skills)  
• Attention to Detail (Soft Skills)  
• Communication Skills (Soft Skills)  
• Problem Solving (Soft Skills)  
• Risk Management (Hard Skills)  
• Process Improvement (Hard Skills)