Rita Garana has over 30 years of experience in finance, accounting, credit control, receivables, and billing. She is currently the Financial & Administrative Manager at Cedars Medical Association, an NGO with 7 clinics and a pharmacy. Previously she has held managerial roles overseeing credit, billing, and collections at telecommunications, FMCG, and other companies. She has a Bachelor's degree in Business Computer Science with an accounting emphasis and is proficient in accounting software, Excel, and financial analysis.

1. RITA GARANA
A dedicated professional with extensive experience in Finance , Accounting , Credit
Control/Receivables and Billing. In addition to administrative and acquisition tasks.
Address : Hamra- Beirut and Bsaleem –Meten
Tel : 009613727778
Email: garana_rita@hotmail.com
LinkedIn: https://lb.linkedin.com/pub/rita-garana
EXPERIENCE Financial & Administrative Manager: “Cedars Medical Association “
April 2015 till date
NGO- 7 policlinics and 1 pharmacy
Supervising , controlling and applying accounting & financial activities .
Head of Billing and Credit : “Food& Drug Company (FDC)”
Feb 2014 –June 2014
FMCG and Pharmaceuticals
Supervising the credit and billing section daily operations. Supervised a team of 20
OWNER AND MANAGER: “CRICRI”
Oct. 2011 – March 2014
Private business, confectionary and condiments.
BILLING, COLLECTION AND CREDIT CONTROL RISK MANAGER: “THE NET HOLDING”
Oct. 2009 - Aug. 2011
Freight and Express Courier services. Supervised a team of 6.
FINANCE & CREDIT CONTROL MANAGER: “ P-GROUP-OFFSHORE CO.”
Oct. 2008 - Oct. 2009
Telecommunication/VOIP service provider.(Company relocated to KSA end 2009)
BILLING AND COLLECTION - SENIOR SPECIALIST: “DU” DUBAI.
Nov. 2006 – Dec 2007
GSM Telecom operator. Supervised a team of 8.
COLLECTION MANAGER : “CREDIT CARD SERVICES (CSC)”
Oct. 2004 - Oct. 2006
MasterCard Issuers. Holder of Signature A.
ACCOUNTS RECEIVABLE AND BILL/ CREDIT CONTROL SUPERVISOR: “LIBANCELL”
Oct. 1996 - May 2004

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GSM Telecom operator. Supervised a team of 7.(A detailed technical job description will be
forwarded upon request.)
SENIOR ACCOUNTANT : “ KARAM GROUP”
May 1993 - Aug.1996
Contracting & Real Estate Company. Supervised a team of 2.
ASSISTANT CHIEF ACCOUNTANT /SENIOR ACCOUNTANT : “ INDUSTRIAL SERVICES CO.”
Jan. 1987 - Feb. 1993
Trading in textile raw materials & machinery. Supervised a team of 2.
SKILLS & ABILITIES Finance and Accounting
 Prepare daily/monthly/ quarterly / yearly accounting entries
 Maintaining accounting principles, practices and procedures to ensure accurate and
timely financial reporting.
 Review, monitor, control and ensure adherence to budgeted expenses
 Reconciliation of accounts(Banks, Clients & Suppliers)
 Review monthly group receivables and payables reports and followup on pending
balances directly with related parties.
 Prepare management financial reports and analysis
 Evaluate the financing needs of the company and suggesting the best possible
scenarios to minimize cost and credit risk
 Financial ratio analysis , projections & reporting analysis.
 Liaise with internal and external auditors to ensure annual monitoring is carried out
 Monitor stock levels and perform inventory reconciliations
 Ensure that accounting transactions are in compliance with Lebanese regulations
and management policies
 Assist in Payroll related transactions and issues
 Provide accurate financial information to colleagues and senior managers
 Assist with Business plans and start up for new business. Identifying cost, risk,
returns etc.
 Recruiting, coaching and evaluating staff
 Nb : Have no experience in TVA and tax related
Credit Control, Receivables, Billing
 Analysis of Aging of Receivables.
 Credit limitsettings & revision. Maintain client files and records updated.
 Controls the processing of orders with Over Credit Limit & makes sure company’s
policy is followed
 Interact with agencies & customers to obtain additional credit information to
support credit lines. Assessing client risk in terms of fulfilling payments
 Analyze daily delinquent accounts and identify highest risk clients including
recommendations for resolution and negotiate payment schedule programs.

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 Contacting clients (daily) for collections and resolving problematic accounts and
disputes.
 Minimize bad debts by providing solutions.
 Daily follow up with collectors and Sales team for maintaining smooth collection
process
 Create a credit risk management environment of an acceptable quality, in terms of
establishing credit guidelines and financial risk evaluation for launch of new
products.
 Process all related accounting vouchers as collections, bank accounts, invoicing ,
debit and credit notes , disputes , returns , discounts etc
 Identify accounts requiring collection agency or legal action and coordinate
collections with third party contractors
 Reporting on levels of Receivables vs Billings vs Services and Products
 Coordinates the work and reporting between the C&B sections themselves and with
other departments
 Processing all invoices related to sales of goods & sales orders
 Invoice verification/process and account reconciliations to address disputes.
 Control closing of billingcycle in timely manner .
 Coordinating with Finance dept and Sales to have a smooth closing month process
EDUCATION LAU-LEBANESE AMERICAN UNIVERISTY (PREVIOUSLY BUC) - 1983-1986
Bachelor of Sciences in Business Computer (Accounting emphasis)
ARABIC AND ENGLISH AS NATIVE LANGUAGES.
INTERPERSONAL
SKIILS
 Team leader, able to manage and motivate staff.
 Clear communication with varied parties.
 Skilled at customer conflict resolution.
 Good interpretation and analysis of financial figures and performance.
TECHNICAL SKILLS  Microsoft Excel, Microsoft Word, PowerPoint, Outlook,
 Business Objects reporting tool
 Accounting software applications (Oracle, Pims, Focus, Dolphin ,
Socrate ) ,Telecom Billing System, CRM, ERP and CMS applications

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MANAGERIAL SKILLS  Writing and updating of Processes and Procedures as per ISO standards.
 Publishing and insuring the division KPI’s are met at a satisfactory level.
 Setting unit objectives and measuring achievements.
 Responsible for applying company policies & translate dept decisions into
operational goals.
 Understand customer requirements based on their needs and value translate it into
business, forward the requirements to development.
 Supervise, coach and assign tasks to a group of staff; Semiannual appraisals. Staff
recruitment and coaching.