Summary
Overview
Work History
Education
Skills
Timeline
Generic

Mandy Purdie

Burpengary,QLD

Summary

Hardworking Credit Manager enthusiastic about improving department policies, standardizing processes and increasing customer satisfaction by providing fast, knowledgeable and friendly financial services. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

43
43
years of professional experience

Work History

Credit Manager

Lyndons Pty Ltd
09.2009 - Current
  • Negotiated payment plans with delinquent customers to minimize losses while maintaining positive client relationships.
  • Performed semi-annual account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Referred delinquent accounts to collections department or outside resources.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Maximized cash flow for the company by monitoring outstanding debts and optimizing collection efforts.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Enhanced department efficiency by streamlining processes, reducing errors, and automating routine tasks.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.

Credit Controller

Moreton Hire Pty Ltd
08.2000 - 04.2009
  • Supported sales teams by providing accurate credit information for new and existing customers.
  • Increased collection rates through proactive account management and regular follow-ups with clients.
  • Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Reached out to customers to check on payments and convey options.
  • Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
  • Maintained accurate records of all communications related to debtor management for audit purposes.
  • Completed in-depth research of issues to develop accurate and effective solutions.
  • Reviewed customer accounts for compliance with repayment obligations.
  • Consistently met or exceeded targets set for reducing outstanding balances while adhering to strict deadlines.
  • Optimized credit approval and collection processes, improving operational efficiencies by over [Number]%.
  • Obtained payments and entered details into system.

National Credit Manager

Speedo Australia Pty Ltd
01.1995 - 07.2000
  • Revamped outdated credit policies, aligning them with industry best practices to mitigate financial risks effectively.
  • Optimized cash flow by initiating strategic collection efforts and actively collaborating with customers to establish mutually beneficial payment plans.
  • Ensured compliance with applicable regulations by staying current on industry trends and adjusting company policies accordingly.
  • Streamlined workflow for the credit team, resulting in improved productivity and reduced processing time.
  • Collaborated with legal counsel on complex cases, ensuring proper documentation and adherence to regulatory requirements during collections proceedings.
  • Negotiated favorable payment terms with customers experiencing hardships, preventing further delinquency while maintaining client relationships.
  • Enhanced credit management processes by implementing efficient risk assessment strategies and tools.
  • Reduced bad debt by closely monitoring high-risk accounts and implementing proactive collection measures.
  • Contributed significantly to overall financial stability by establishing rigorous procedures for assessing customer solvency before granting lines of credit.
  • Conducted regular account reviews, identifying potential risks and taking appropriate action to prevent losses.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Monitored accounts for signs of fraud and non-payment issues.

Restaurant Manager

Champany Inn
06.1985 - 06.1987
  • Managed daily operations to ensure a high level of efficiency, consistency, and quality in both food and service.
  • Carefully interviewed, selected, trained, and supervised staff.
  • Met, greeted, and encouraged feedback from customers and used feedback to implement positive changes within restaurant.
  • Reconciled cash and credit card transactions to maintain accurate records.
  • Reduced staff turnover rate with effective leadership, open communication, and employee development opportunities.
  • Increased restaurant revenue by optimizing table turnover rates and enhancing menu offerings.
  • Conducted health, safety, and sanitation process evaluations to identify and remedy any violations immediately.

Head Teller Accounting

National Australia Bank
01.1981 - 01.1985
  • Balanced cash drawers consistently at end-of-day without discrepancies, ensuring accuracy in all transactions processed throughout the day.
  • Oversaw currency shipments and deposits while adhering to strict safety guidelines.
  • Managed high-volume cash transactions daily, maintaining accuracy and efficiency under pressure.
  • Answered inquiries regarding checking and savings accounts and other related products.
  • Verified amount of cash in cash drawer against day's receipts, quickly identifying errors.
  • Mentored junior tellers, fostering professional development and growth within the team.
  • Maintained up-to-date knowledge of banking policies, procedures, and regulatory requirements for effective guidance of team members and clients alike.
  • Investigated and promptly resolved issues with patron accounts.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Received car loan, home loan, and other payments and posted to accounts.
  • Handled various accounting transactions.
  • Referred customers to other banking departments for specialized services.

Education

High School Diploma -

Richmond High School
Richmond, NSW
11.1981

Business Diploma - Diploma

Modern Business College Of Australia
Penrith NSW
09.1980

Skills

  • Credit Reports
  • Research and due diligence
  • Fraud understanding
  • Policy Development
  • Application Review
  • Application processing
  • Policy Implementation
  • Records Management
  • Collections Actions
  • Customer Service
  • Know Your Customer
  • Staff Management
  • Fraud prevention
  • Credit Approval and Denial

Timeline

Credit Manager

Lyndons Pty Ltd
09.2009 - Current

Credit Controller

Moreton Hire Pty Ltd
08.2000 - 04.2009

National Credit Manager

Speedo Australia Pty Ltd
01.1995 - 07.2000

Restaurant Manager

Champany Inn
06.1985 - 06.1987

Head Teller Accounting

National Australia Bank
01.1981 - 01.1985

High School Diploma -

Richmond High School

Business Diploma - Diploma

Modern Business College Of Australia

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Mandy Purdie