Credit Administrator
Delonghi Kenwood Braun MEIA FZE
مجموع سنوات الخبرة :10 years, 10 أشهر
- Provide valuable insights and recommended appreciated solutions to the Credit Manager and Financial Controller to improve the AR process.
- Responsible for debt collection while following a strict annual and monthly target by conducting follow-ups with statement of accounts on overdue invoices via telephone, email or meetings.
- Deal with invoice and payment related queries from finance and other employees.
- Supported the Credit Manager to analyze AR discrepancies and find permanent solutions to these problems.
- Allocating of all Journal Entries and conducting complex reconciliation with more emphasis on accounts receivable.
- Managing all Customer Contracts.
- Conducting the entire Marketing Claims process from collecting, reviewing & issuing credit notes.
- Responsible for structuring and scheduling all AR processes and collaborating with other departments (Sales and Marketing) to improve the processes.
- Creating reports and conducting analysis on Aging, DSO, Credit Review Report Hedging, etc.
- Dealing with sales back office and banks on Trade Finance related.
- Managing all customer credit limits and acquiring all necessary approvals when customers exceeds the credit limits.
- Proven to be a resourceful calm and approachable team member.
Key Responsibilities:
• Checking all invoices created by the finance team with all the relevant contract and supporting documents.
• Supporting executive in all Contract/Purchase Orders/WCR/Complaints related disputes.
• Maintaining an optimum DSO and ensuring all payments are collected in a timely manner.
• Preparing proposals and obtaining relevant approvals for payment plans as and when required.
• Keeping track of all client’s invoice requirements and ensuring it is completed as per their company policy.
• Conducting regular email follow-ups/Calls/Meetings requirements to ensure all payments are secured on time.
• Providing clients with statement of accounts, Audit queries and clearance letter as and when requested.
• Ability to find and contact untraceable clients while conducting complex reconciliations to resolve bad Debts.
• Identifying, resolving and creating new credit processes based on non-payments from clients.
• Identifying incorrect invoicing and creating relevant credit notes as per the requirements.
• Updating of all Client Details on system, such as TRN, Trade License, Commercial License, etc.
Credit Analysis
• Preparing, reviewing and analyzing the creditworthiness of all personal loans and credit card applications.
• Analyse and process credit proposals and applications as per prescribed methods of risk evaluation and rating in compliance with bank policy.
• Making recommendations, ensuring adequacy of credit, collateral documentation, regulatory compliance and loan policy conformance for all funds sanctioned.
• Performing loan monitoring, risk rating, stress testing and audit preparation as part of routine operations and ensuring the entire process is completed in the stipulated turnaround time.
Pre-screening
• Pre-screening all applications for consumer banking in accordance to the policy and processes.
• Perfectly conducting central banks, Emcredit and all internal bank checks without any errors.
• Completion of applications within maximum turnaround time of 20 minutes.
Customer Verification Officer
• Collect client data from the credit department and contact the companies HR/Accounts department with regards to employee verification for grants of financial aid.
• Initiating and submitting the generated field visit reports with supporting documents.
• Updating the CPV database, answering credit department queries regarding assigned cases and follow-ups.
•Toolbar monetization - Making different categories and placing relevant ads, which will be displayed on the toolbar as per the website.
•Contextual monetization - Placing relevant ads as per the content of the website. Monitoring reports and clicks and making necessary changes to maximize profits.
•Email marketing - Creating and managing campaigns as per the email list.
•Domain parking - Mapping the parked pages on the system and generating weekly reports of the portfolio.
•Lead Generation - Managing and creating new leads for various clients.
•Campaign Management - Managing and mapping advertisements as per client requirements, visitor data and compliance.
2009 - 2012 Mumbai University B. Com
From St. Andrew's College Mumbai, University of Mumbai, with computers as an applied component 2007 - 2009 Higher secondary certificate (HSC) Standard XII, Concentration in Commerce