Michele Town
Credit Manager
Barnoldswick
Summary
Patient Credit Manager possessing vast understanding of credit reporting agencies and in-depth knowledge of job-related software, including [Software] and [Software]. Bringing [Number]-year background managing credit files, analyzing credit applications and monitoring credit reviews. Comfortable working in team-setting and using logical approaches to find best solutions to complex problems.
Overview
36
36
years of professional experience
5
5
years of post-secondary education
Work History
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.
Education
Skipton Girls High School
Skipton 09.1974 - 07.1979
Skills
Credit reports
Risk mitigation
Financial analysis and reporting
Staff Management
Cash handling expertise
Familiar with account coding
Strategic and financial planning
Walking
General walking with my husband Paul & labrador Skye & general outdoor activities that come with being married to a Farmer
Socialising - going out for meals with friends
Timeline
Credit Manager
Silentnight Brands
04.1986 - Current
Skipton Girls High School
09.1974 - 07.1979