Deborah A. Smith has over 15 years of experience in credit analysis, financial statement analysis, and collection. She currently works as a Senior Credit Representative for Ashland Inc./Nexeo Solutions LLC where she manages over 1,300 accounts totaling $75-80 million in receivables. Prior to that, she held other credit related roles with increasing responsibilities at Ashland Inc., including Credit Representative and Credit Assistant. She has a Bachelor of Arts in Journalism and a minor in Economics from The Ohio State University and earned her Credit Business Associate designation in 2005.

1. Deborah A. Smith
5520 Howard Road, Delaware, OH 43015 614-561-4616 balloonsmith@att.net
Credit Analyst / Collection Specialist / Financial Statement Analysis
 Experience in analyzing customer financial statements to support credit limits up to $1 million
 Adaptable to new concepts and challenges while maintaining regular work flow
 Continuously attending educational opportunities to stay current on financial and economic
developments
 Highly organized and able to prioritize work load while remaining SOX compliant
Ashland Inc. / Nexeo Solutions LLC February 2010 to Present
SeniorCreditRepresentative
 Manage over1300 accounts totaling20% of company receivables,$75 to $80 million
 Visitcustomersforreview of financial informationandtoestablishrelationships
 Facilitate paymentarrangementstoavoidbaddebtbalancesamountingtosignificantsavings
 Resolve discrepancieswhichamountedtoalmost$97,000 collected lastyear
 Presentcreditpoliciesandproceduresatdistrictmeetingsandfornew salesrepresentatives
 Reviewfinancial websitesforinformationwhichcouldaffectthe currentorfuture financial healthof
customers
 Consultwithdistrict managersandsalesregardingriskof potentialandcurrentcustomers
 CollectCIA balancesreleasedduringanSAPupgrade toavoidcollectionreferrals
Ashland Inc. June 2005 to February 2010
CreditRepresentative
 Participate inpanel interviewsforinternalandexternal candidates
 Performyearlycredit limitreviewsof accounts
 ConsistentlymaintaincurrentARandbad debtpercentages
 Monitorbusinessnewsforbothpositiveornegative informationregardingcustomer’sriskandsupport
exposure levels
Ashland Inc. July 2002 to June 2005
CreditAssistant
 Service over1000 accounts includingseveral hundredenvironmentalservicesaccountsforWestCoast
 Researchandclear credit paymentdiscrepancies
 Call and email delinquentaccounts andprovide informationtosalesandcustomerservice on orders
beingheld
Ashland Inc. February 2001 to July 2002
CustomerService Representative inChemicalsLOB
 Enter customerordersina timelyandaccurate manner
 Part of discrepancy clearingteamof tworesponsibleforclearingover1000 itemsinone month’stime
 Upsell additionalproductsif order isbelow minimumdollarvalue oritwill give the customera
quantityprice break
Education
Bachelor of Arts from The Ohio State University
Major: Journalism Minor: Economics
Earned Credit Business Associate (CBA) designation through NACM in July 2005