yyyyyy x. yyyyyy

0000 xxxxxx xxxx , xxxx , xxxxx 00000                             abc@xyz.com                                                          (xxx-xxx-xxxx

career objective

results-driven senior credit analyst eager to contribute sharp business acumen and strong communications skills toward supporting the employer in optimizing financial performance

profile

ø  more than 10 years credit analysis, risk mitigation, collections, and dispute resolution experience, with expertise in developing and streamlining internal processes 

ø  strategically plan and coordinate workflow and human resources for optimal coverage while containing labor; costs train and lead top-performing support teams

ø  dynamic organization, prioritization, and time management skills; consistently achieve critical deadlines while maintaining high quality standards

ø  strong technical proficiencies including ms office, oracle 11i, siebel, html

 

~ key achievements ~

• successfully maintain an average collections aging of 90% for accounts ranging from current to 30 days past due as a senior credit and collections analyst with verisign
• in recognition of extensive operational knowledge regarding credit and collections, selected to cross-train verisign customer support and sales staff
• established ebay collection processes for phished accounts, closed accounts, bankruptcies, fraud, and identity theft; created more than 50 canned responses to streamline response process
• actively participated in ebay s launch of billpoint uk risk/fraud assessment of pending credit card transactions

education

studies toward bachelor of science in business, university of phoenix, san jose, ca                 anticipated graduation 2011

 

~ credentials ~

credit business fellow (cbf) and credit business associate (cba), national association of credit management (nacm)

professional experience

credit and collections analyst iii, verisign, inc., mt. view, ca                                                                       2005 c present

• expertly manage 800+ client account portfolio responsible for generating $19m for this leading internet security company
• conduct in-depth reviews of duns reports and diligently analyze company financials to minimize bad debt exposure
• actively collect on accounts, perform dispute resolution, and assign credit limits; utilize oracle 11i and siebel for validation and release

 

credit and collections analyst (contract), aspect communications, inc., san jose, ca                                                 2005                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           

• provided critical support in managing portfolio of 100+ customer accounts with a value of $2m in receivables; analyzed dnb reports to assign and adjust credit limits

 

global collections, ebay, inc., san jose, ca                                                                                                     2004 c 2005                                                                                                                                                                                           

• returned to the company to manage five-member outsourced prc india collections team and 3rd party collection vendors
• oversaw all incoming collections emails and placed collection calls on past due consumer and commercial accounts

 

fraud prevention manager, ginix payment solutions, inc., milpitas, ca                                                                         2003

• brought on board to implement fraudulent transaction identification processes, develop fraud reporting system for customer support, serve as primary risk analyst/underwriter for prospective merchant accounts, perform risk assessment of pending ach & credit card transactions, and manage 3^rd party collection vendors for this online payment processor

 

ebay, inc., san jose, ca                                                                                                                                    1999 c 2003

risk management analyst (2001 c 2003)

• promoted to position centered in ebay s billpoint payment platform subsidiary and entrusted with analyzing client accounts and determining credit limits, directing clients to fraud claim resources, escalating cases as appropriate, and compiling evidence in response to subpoenas
• worked closely with other business units on interdepartmental training initiatives

customer support, vero program (1999 c 2001)

• launched ebay s community watch and vero programs to protect worldwide individual and corporate intellectual property rights; created database of search terms for banned/infringing items and trained new staff on procedures
• performed a range of duties, including investigating pending auctions, collaborating with legal counsel, responding to seller and bidder appeals regarding denied listings, and compiling evidence for subpoenas