SECTION 1
Introduction
Summary

SECTION 2
Experience

SECTION 3
Contact Info

SECTION 4
Fees

NOTICE

This web site Domain name is up for Lease to any Licensed, bonded credit and collections or banking firm, on an annual lease contract. We have the right to refuse any applying organization.

Terms and conditions of the Lease may vary upon application request.

This web site can be Leased with a 5 year buy out also.

We can continue to Host this web site or change the DNS Server numbers to your favorite hosting.

We will issue you up to 10 GB Hosting annually. After which hosting fee's will apply.

We must be able to verify your active business license and financial status via your business bank

All documents and contracts will be notarized by our bank.

If interested then please Email us with requests at: mailto:info@azcreditandcollections.com

Until this web site is Leased, it will be utilized by Mrs. Diamond to keep active traffic to this web site.

Joyce Diamond

Section 1

Introduction

Regardless if you are a small business or a major large corporation your goals are one of the same. In order to gain market leverage you need to extend credit and bad debt is the cost of doing business. Keep in mind extending credit can create major losses that can drive any lucrative company into bankruptcy. I have held many management position for fortune 500 companies driving success models. As a consultant I will mentor, facilitate and advise of your needs and risk management.

SUMMARY

Highly motivated Business Enabler and industry Innovator, with many years of management experience. Strong functional knowledge of credit operations and solid understanding of risk management, economic models, Dun and Bradstreet reports, financial statements, and consumer credit data. Experience incubuses project management, business development, and risk analysis, engineering, implementing new procedure guidelines for employees, recruiting, developing and training credit analysts and managing credit and collection department. Department ISO certified.

Section 2

PROFESSIONAL EXPERIENCE

Corporate Express

Credit & Collection Manager/A/R Manager

Accomplishments:

Provided significant improvements in quality and productivity by 100% accuracy.
DSO change from DSO of 48 to 36 per year
Productivity increased by 45% per associate
Department ISO Certified
Cash application entries daily with no error
Developed a staff that delivered quality customer service, and had the tools of knowledge to assess risk, which increased revenue and decreased credit losses.
Extensive knowledge in I.T. automations, analyzing staff resources, re-organization.
Bad Debt write offs less then 1% per annum

Increased sales based on accounting relationships with the customers

Areas of Responsibility:

Managed commercial credit relationships
Approved and decline credit
Determined on what basis credit would be extended and on what terms
Approved adjustments to customer’s accounts
Managed the collection department, strategic account reconciliation of accounts payables to account receivables
Month end reports to the executive committee
Weekly and daily reports created as needed
Assigned accounts for third party collections when efforts in-house were exhausted. Provided training and direction to a staff of 23 associates.
Conducted performance evaluations, and any other human resource changes for optimum results
Visited customers and participated in sales calls to generated new business
Managed account implementation, credit and refills, and tax certificates for exempt customers.

MATTEL CALL CENTER , Phoenix , AZ

Credit Collections Manager /Financial Analyst

Accomplishments:

Established and executed goals and standards. Re-organized and re-engineered credit operations providing significant improvements on quality, productivity and cost. Decreased bad debt from 20% to 4.9%.
Seasoned manager with years of credit and collections both commercial and consumer experience in a phone environment of 300 plus employees in reducing bad debt expenses by 50%.
Instrumental in implementing processes in a start-up call center for 300 seats in all aspects of customer service, employee procedures, and implementation of outsourcing.
Experience in managing both personal and commercial portfolios.
Utilization of accounting principals, credit and collections expertise.
Implemented and executed a cash application processes
Implemented and executed fraud detection processes
Outsourcing processes in place for cost natives

Areas of Responsibility:

Approving and declining credit
Managing collections, cash applications, write offs to bad debt, placement of accounts to third party collections.
Approving adjustments to customer’s accounts
Aging reports weekly submitted to Corporate as well as daily cash apps and sales reports. Performance evaluation, training hiring and terminating
Special projects

WESTEX, Phoenix , AZ

Credit Collections Manager