Michele Town

Credit Manager

Silentnight Brands

BARNOLDSWICK

04.1986 - Current

Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
Oversaw reporting, documentation and recordkeeping requirements for department.
Attended ongoing professional training to facilitate accurate and productive credit management.
Obtained and interpreted financial statements to assist in credit limit reviews.
Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
Monitored accounts for signs of fraud and non-payment issues.
Referred delinquent accounts to collections department or outside resources.
Reported key performance indicators to department heads for management of positive cash flow and to adjust credit risk policies and procedures.
Investigated and evaluated customers for creditworthiness and potential risk factors.
Developed strategies to expedite payments and customer resolutions.
Devised collection recovery strategies to resolve customer issues and delinquent cases.
Work cross-functionally with sales, management and other departments to maintain effective operations.
Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
Negotiated settlements and payment terms with customers and delivered customized payment plans.

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