Geovanny Hernández
Reading
Summary
Seasoned Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Credit Manager
Rent A Center Warehouse & Retail Store
Reading
09.2025 - Current
- Managed customer credit applications and assessments for retail transactions.
- Oversaw collection processes to ensure timely payments from customers.
- Trained staff on credit policies and customer service protocols.
- Analyzed customer credit histories to determine risk levels.
- Coordinated with sales teams to address credit-related inquiries effectively.
- Reviewed and approved or denied credit applications based on company guidelines.
- Maintained accurate records of customer accounts and transactions regularly.
- Assessed customer creditworthiness based on financial reports, payment histories and other sources of information.
- Reviewed accounts for signs of fraud and non-payment issues.
- Developed and maintained relationships with customers to ensure prompt payments on accounts receivable.
- Ensured timely and accurate processing of all credit transactions.
- Collected overdue payments from customers using various methods such as phone calls, emails or letters.
- Negotiated repayment plans with debtors who were unable to pay their full balance due immediately.
- Completed ongoing professional training to facilitate accurate and productive credit management.
- Directed, coached, and managed credit department staff, fostering a culture of high performance and accountability.
- Executed strategies to strengthen customer relationships during collection efforts.
- Prepared reports on team performance and collection trends for senior management review.
- Identified accounts to target for repossession based on careful research and analysis.
- Analyzed delinquent accounts to determine appropriate collection action.
- Developed training materials for new employees related to collections processes and procedures.
- Developed and implemented collection strategies for assigned accounts.
- Investigated customer complaints related to billing or payment issues.
- Remained calm, stayed professional, and provided exceptional service on calls, even when interacting with difficult individuals.
- Conducted credit risk assessments on new and existing customers.
VAN DRIVER/ ASSISTANT
BCIU
09.2017 - Current
- Assistint kids to in and out of bus and drive vans to school and home
Para-transit Barta transportation center
BARTA
Reading
04.2016 - 01.2018
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Transported passengers safely to designated locations using paratransit vehicles.
- Assisted individuals with disabilities in boarding and disembarking vehicles.
- Maintained vehicle cleanliness and functionality through regular inspections.
- Communicated effectively with dispatch to coordinate pick-up and drop-off schedules.
- Recorded trip details and passenger information accurately for reporting purposes.
- Followed all safety protocols to ensure passenger comfort and security during transit.
- Provided excellent customer service by addressing passenger needs and concerns promptly.
- Transported passengers to healthcare appointments and developed productive relationships with medical personnel.
- Stayed up to date with local roads, traffic patterns and speed limits.
- Planned new routes each day based on passenger requirements.
- Completed semi-skilled repairs and maintenance services to maintain vehicle in good working order.
- Conducted pre-trip inspections of vehicles prior to departures from base station.
- Ensured proper operation of vehicle before each trip, including safety checks.
- Followed all applicable laws, regulations and safety procedures while driving vehicles.
- Monitored traffic conditions to adjust route schedules accordingly.
- Maintained records of trips completed, miles driven, fuel consumption and other pertinent information for reporting purposes.
- Reported mechanical issues or incidents immediately to supervisor or dispatcher.
- Worked closely with dispatchers to coordinate arrivals at destinations in a timely fashion.
- Familiarized self with area roads and landmarks to ensure efficient navigation during trips.
- Delivered wheelchair securement training to new drivers when necessary.
- Employed lifts and ramps to assist handicapped passengers boarding shuttles.
- Gave clear directions to passengers regarding destinations, pick-ups and drop-off locations.
- Reported major accidents, emergencies and suspicious incidents to supervisors.
- Checked condition of vehicle's tires, brakes or safety equipment to verify working order.
- Added fluids, checked tires and kept interior and exterior spotless as part of vehicle upkeep.
- Drove shuttle buses, limousines or company cars to transport passengers.
- Completed accident reports and delivered to supervisor.
Loading and unloading freight
Boscovs distribution center
Reading
07.2013 - 01.2016
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Operated forklifts and pallet jacks for efficient material handling.
- Received and inspected incoming shipments for quality assurance.
- Organized warehouse inventory to ensure quick access to products.
- Collaborated with team members to optimize workflow and productivity.
- Maintained cleanliness and safety standards throughout the warehouse.
- Assisted in training new employees on operational procedures and safety protocols.
- Prepared orders for shipment by packaging and labeling products accurately.
- Conducted regular inventory counts to maintain stock accuracy and availability.
- Prepared and completed warehouse orders for delivery or pickup according to schedule.
- Used pallet jacks to move items to and from warehouse locations.
- Kept shelves, workstations and pallet areas neat and tidy to maintain safe work environment.
- Packaged items carefully using protective materials like bubble wrap or foam sheets.
- Organized warehouse space for efficient storage of products.
- Loaded and unloaded trucks with hand-trucks, pallet jacks, and forklifts.
- Operated scanners, computers, and other equipment to track orders.
- Preserved safe work environment by maintaining clean workstations and pallet area.
- Followed established guidelines for picking orders accurately.
- Assembled orders according to customer requests.
Education
Diploma -
Reading High School
ReadingSkills
- Communication Skills
- Computer Proficiency
- Fast Learner
- Credit analysis
- Risk assessment
- Credit reporting
- Collection strategies
- Customer credit evaluation
- Customer relationship management
- Data management
- Problem solving
- Effective communication
- Staff training
- Time management
- Attention to detail
- Account monitoring
- Negotiation techniques
- Proficient in English & spanish
- Data interpretation
- Procedure enforcement
- Strategic planning
- Regulatory compliance
- Authorizations
- Application review
- Investigations
- Risk analysis
- Mentoring and training
- Portfolio management
- Credit risk management
- Sales proficiency
- Performance improvements
- Credit evaluations
- Credit reports
- Records management
- Cash flow management
- Multitasking capacity
- Ethical leadership
- Self motivation
- Collections actions
Certification
Valid Driver's License
Timeline
Credit Manager
Rent A Center Warehouse & Retail Store
09.2025 - Current
VAN DRIVER/ ASSISTANT
BCIU
09.2017 - Current
Para-transit Barta transportation center
BARTA
04.2016 - 01.2018
Loading and unloading freight
Boscovs distribution center
07.2013 - 01.2016
Diploma -
Reading High School