Victoria Miseda

• Wrote and implemented standard operating procedures for credit personnel to achieve consistency in unit operations.
• Oversaw reporting, documentation and recordkeeping requirements for department.
• Negotiated settlements and payment terms with customers and delivered customized payment plans.
• Compiled data critical to analysis of annual bad debt.
• Investigated and evaluated customers for creditworthiness and potential risk factors.
• Referred delinquent accounts to collections department or outside resources.
• Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
• Obtained and interpreted financial statements to assist in credit limit reviews.
• Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
• Monitored accounts for signs of fraud and non-payment issues.
• Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
• Attended ongoing professional training to facilitate accurate and productive credit management.
• Used [Software] and [Software] to perform credit appraisals, document verification and loan approvals.
• Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
• Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
• Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
• Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
• Collaborated with management to evaluate credit strategies and develop improvements.
• Provided resources and expertise for conversion, validation and training required for company-wide software updates.
• Developed strategies to expedite payments and customer resolutions.
• Devised collection recovery strategies to resolve customer issues and delinquent cases.
• Utilized deep understanding of industry best practices and legal requirements to prevent critical incidents.
• Streamlined processes for early identification of potential credit system and monitoring problems.
• Provided training and consulted with struggling teams to help meet monthly target goals.
• Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.

• Created business plan and identified target customers by interacting on phone and in person, handling basic inquiries and providing quotes.
• Helped individuals and families build and execute wealth management strategies based on unique goals and objectives.
• Met with clients to discuss assets, expenses and long-term and short-term investment goals to devise personalized financial plans.
• Educated clients on various financial matters and provided professional recommendations on investment opportunities, products and services based on individual needs.
• Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
• Delivered strategic investment advice for individual and corporate clients.
• Worked with clients to support understanding of rationale and details of financial strategies.
• Facilitated presentation and recommendation of services by optimizing client relationships.
• Assisted clients with preparing financial plans, conducting investment research and completing trades and transactions to assess and meet financial goals.
• Performed due diligence and valuation processes.
• Recruited, trained and mentored junior financial and support staff to generate ideas, share knowledge and grow firm.
• Provided specialized financial planning support for clients with diverse portfolios and individual needs.
• Facilitated new client onboarding process and investment account setup.
• Kept client financial plans optimized for current market trends and economic conditions.
• Assisted clients in making beneficial and strategic decisions regarding investments, low-cash financing and sourcing overseas partners.
• Guided clients through compiling important financial histories and documentation for evaluation.
• Expanded customer base through community outreach and strategic business partnerships.
• Resolved conflicts and negotiated mutually beneficial agreements between parties.

• Generated leads for sales and rental properties through cold calls and referrals.
• Negotiated between buyers and sellers of properties with efficiency and transparency to maximize profits and maintain satisfaction of clients.
• Sold high volume of properties in short timeframes to exceed quotas and maximize business revenue.
• Reviewed local listings and kept detailed list of availabilities for sales, purchases and possible new clients.
• Coordinated appointments to show marketed properties.
• Liaised between buyers and sellers to provide positive experiences for both parties.
• Delivered strategic assistance to homeowners and homebuyers looking to buy or sell residential properties in [Location] metro area.
• Communicated with clients to understand property needs and preferences.
• Educated clients on sales and buying processes and advised buyers on making decisions.
• Scheduled showings and tours for potential new clients and properties with [Number]% success rate.
• Educated clients looking to sell or buy on current market conditions, legal requirements, pricing and mortgages.
• Staged and prepared homes and properties for clients before arrival.
• Developed and maintained list of available properties suited to different needs and budgets for both commercial and industrial use.
• Worked closely with clients to facilitate appropriate loans, inspections and credit reports.
• Inspected properties for listing accuracy and updated posts to maintain marketing integrity.
• Compared, researched and appraised properties.
• Collaborated with attorneys, loan officers and agencies to complete property sales and purchases and thoroughly explained all financial requirements and data to potential buyers and sellers.

§ Managed collections and debt portfolio of over two billion shillings per quarter

§ Customer evaluation and approval of credit.

§ Performed initial and follow-up customer’s credit review, based on evaluation of their financial statements, and credit references.

§ Started and maintained weekly cash forecast report for the Treasury department.

§ Reconciled customer’s accounts within minimal time.

§ Reconciled the receivables ledger to the general ledger on quarterly basis.

§ Approved agents and broker commission payment before 10th of every month.

§ Build relationship with numerous agents, brokers and negotiated payment terms to maintain targeted DSO of 50days

§ Introduced and trained several employees on credit control and supporting systems.

§ Wrote various policies and processes improvements, which was approved and being successfully used.

§ Maintained strong relationship with various levels of Sales, Underwriting, training and IT departments.

§ streamlined the company’s credit control policy and enforced compliance to the prevailing IRA rules

Prepared receivable schedules for internal and external audit.

§ Preparing treaty statistics for treaty renewal and forwarding to the commissioner for approval.

§ Ensure all balance sheet accounts are reconciled monthly and coordinate intercompany payments and reconciliations.

§ Assist underwriters in financial risks analysis and appraisals.

§ Preparing annual audit schedules and ensuring all prior year audit issues are closed.

§ Providing leadership in detail verification, confirmation and processing of technical statements; credit control and management of balances due to/from cedants and brokers.

§ Assisting the underwriting team in the management of the relationship with cedants and brokers especially in the timely rendition of account statements and the collection of outstanding balances.

§ Dispatching statements by the date set in the treaty and obtaining confirmations from the reinsurers.

§ Compute and settle adjustments premiums, profit commission, excess of loss and burning costs.

§ Oversee the preparation of high quality regional financial reports by consolidating country offices accounts.

§ Monitor cash flow and budget requests submitted by country offices and consolidate of annual budgets

§ Represented the company in court where legal action had been taken against defaulting customers.

§ Assessed the credit rating of customers before opening credit accounts for customers.

§ Prepared weekly debtors/creditors reports and updated the management on the prevailing credit scenario.

§ Maintained the debtor’s ledger and reconciled debtors’ accounts.

§ Ensured timely dispatch of customer statements, credit notes and any other relevant documents as may be required.

§ Settled disputes regarding customer balances and ensured customer queries in regard to outstanding balances were resolved to customers’ satisfaction

§ Monitored revenue trends and advised the finance manager on deviations from forecasts.

§ Ensured all cheques and cash receipts were accurately posted to the customer accounts.

§ Maintained and banked a register for all postdated cheques in-house.

§ Reviewed, developed and implemented credit policy and ensured all credit given was in accordance to the policy and guidelines laid down.

§ Supervised and trained six credit controllers.

§ Implement a system of budgetary controls to aid country programs to monitor expenditure against budgets