Senior Credit Analyst, Credit Analyst

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CYNTHIA J. SEXTON 11802 Oak Meadow Lane * Meadows Place, TX 77477-2107 281.561.0565 (H) or 713.553.6522 (C) CREDIT & COLLECTIONS ANALYST Self-motivated, thorough, and results-driven professional with a proven backgrou nd in Customer Service, Financial Operations Management, and Credit & Collections Proactive people person and persuasive leader who maintains positive business re lationships with subordinates, staff at all levels, and customers to meet all cr edit and collections objectives. Tenacious and detail oriented with a deep and r ich knowledge of all credit and collections functions, practices, and procedures , as well as regulatory statues and consumer rights for optimum contract managem ent. Attentive listener, confident communicator, and expert negotiator within a fast-paced, deadline-driven work environment. Additional keys to success include : Proven background in operations management, team leadership, and personnel manag ement. Solutions-oriented and comfortable interacting with internal/external customers while applying solid persuasive and negotiating skills to resolve problems. Excellent multi-tasker with effective follow-up and time management capabilities . Work well with staff at all levels and those from diverse backgrounds and cultur es. Adept in conducting research and analysis, maintaining extensive databases, and generating reports. Computer proficiency in MS Word and Excel and easily adapt t o new technologies, processes, and systems. High degree of integrity with an established reputation for quality, exactness, and results. Seeking to apply talents and abilities at a growth oriented company . PROFESSIONAL EXPERIENCE Microwave Networks Incorporated, Stafford, TX (4/1997 - 3/2010) Senior Cr edit/Contracts Analyst Acquired sensitive financial information from clients and reviewed/assessed info rmation for approval of sales terms and credit limits. Administered all RFP's an d RFQ's for sales terms and conditions and supported all facets of contractual d evelopment and administration. Conducted daily collections activities for accoun ts receivable and negotiated with customers on payment plans and invoice dispute s. Generated status reports and cash forecasts and posted all receivables paymen ts. Successes & Achievements: Reduced DSO from 155 to 96 days (ultimately to 41 days) and decreased over 90 da ys by 30% (ultimately to 0) within first year. Played a key role In resolution of a $1.4M customer dispute for favorable compan y win. First State Bank, Brazoria, TX (9/1995 - 1/1997) Commercial Loan Officer Consulted with clients and acquired sensitive financial information to facilitat e all facets of commercial and consumer lending programs (i.e., auto, home impro vement, working capital, receivables, inventory, and equipment). Compiled inform ation, entered data into computer system, and processed all loan documentations. Completed follow-up from time of submission through final loan approval. Successes & Achievements:

Negotiated with clients in loan default and successfully developed new payment p lans to reduce amount of collections outstanding. Managed a large volume of documents and ensured highest degree of efficiency and accuracy in all recording/reporting functions. FDIC, Houston, TX (9/1985 - 3/1994) Bank Liquidation Specialist Supervised staff of 20 in all facets of liquidation portfolio management for wel l over $140M in commercial and real estate loan accounts. Audited bank portfolio s for compliance and liquidity and analyzed financial information for debt resol ution. Delegated assignments to staff on individual portfolios and reviewed, eva luated, and reported on progress to management. Established and implemented prog ram and production goals, priorities, and work schedules. Assessed and monitored employee decisions for optimum debt resolution. Assisted staff with over 40 ban k closings and investigated any failed banks Officers and Board of Directors for negligence in bank failure. Successes & Achievements: Rapidly promoted from account officer to section chief for exemplary job perform ance. Received 2 special achievement awards for superior contributions from Director o f Division of Liquidation. Played a key role in over 40 bank closing processes and procedures. EDUCATION & TRAINING College Credits Acquired Port Arthur Business College Intermediate Banking School SMU, Dallas, TX

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