1. Debra A. McGraw
3014 Angel Ct., Erie, PA 16506
Home: 814-838-7749
Debmc814@gmail.com
EXPERIENCE
October, 1991 - January, 2016
Credit Manager -- Times Publishing Company, Erie Times News, Erie, PA
• Hands-on managed a staff of three Finance/Billing Clerks, including all personnel actions as well
as salary administration, and performing billing clerk duties when necessary.
• Managed A/R for all facets of Erie Times News, including reconciliation of all bank deposits
which included cash, checks, ACH, and credit card payments.
• Reviewed and reconciled bank deposits to booked transactions on a daily basis.
• Managed the credit policy, including credit application review and approval, collection activities
associated with credit. Enforced credit policy while taking on risk, reducing receivables while
improving cash flow.
• Maintained a successful credit collection record, with an approximately 85% collection record.
• Maintained a Days Sales Outstanding average of 44 days, at or below industry standards.
• Maintained less than 1% of net sales write-offs at year end, year-over-year.
• Developed and institutionalized processes to ensure highest levels of customer satisfaction for
both internal and external customers.
• Worked closely with Legal to address legal action against creditors.
• Worked closely with Audit to confirm accurate billing and to verify that all billing processes were
properly followed.
• Managed and supported the Brainworks A/R and Order Entry applications, including
configuration, testing, developing the training/user manuals, training end users, and providing
support when needed. Also managed the relationship with Brainworks, ensuring all necessary
changes and fixes were properly implemented.
March, 1983 - October, 1991
Teller -- Hammermill Employees Federal Credit Union, Erie, PA
• Performed all aspects of customer service, including deposits, withdrawals and transfers of funds
to and from customers’ accounts, processing Personal Service loans, investments into IRA
accounts and Money Market Certificates, handling transactions involving Money Orders and
Travelers checks, and cashing customers' checks.
• Accurately balanced the teller cash drawer on a daily basis.
• Managed opening and closing customer accounts as necessary.
• Performed data entry.
• Prepared monthly reports for the Board meeting.
• Assisted customers over the phone, ensuring they had the right associate to speak with to get the
answers to their questions.
• Daily posting of incoming mail correspondence which included handling financial transactions
submitted via mail.

2. • Prepared and mailed all customer statements on a monthly and quarterly basis.

3. October, 1973 - November, 1982
Various finance positions, Erie County, PA
Cash Processing Clerk, Pennsylvania Electric Company
• Automatically encoded, endorsed, and balanced all check payments in preparation for daily bank
deposits.
Marine Returns Clerk, Marine Bank Operations Center
• Managed the overdraft process, including balancing overdraft checks on a daily basis,
coordinating proper return of overdraft checks, creating debit memos, and notifying customers as
necessary.
Bookkeeper/Office Manager, R. R. Walker & Son
• Performed all bookkeeping duties through the Trial Balance.
• Performed A/R, A/P, and Payroll, preparing monthly payroll tax government reports, managed
inventory control, prepared and distributed monthly customer statements, performed monthly
bank statement reconciliation.
• Performed general office duties as necessary.
AWARDS
• Awarded the American Media Credit Executives Association Best Practice Award in 2014 for my
submission and idea of the Customer Resolution procedure while employed at Erie Times News.