1. LEIGH
ANN
ROYAL
10
Grassington
Crescent
Brampton,
ON
L6S
1Z6
905.458.6198
leighroyal@sympatico.ca
PROFILE
A
dedicated
Senior
Credit
Analyst
with
over
17
years
of
experience.
Recognized
for
using
sound
judgment,
wisdom
and
analytical
skills
to
determine
credit
risk
evaluations.
Excellent
verbal
and
written
communicator,
who
negotiates
with
customers
to
achieve
a
‘win-­‐win’
outcome.
Demonstrates
a
strong
work
ethic
and
ability
to
meet
or
exceed
financial
business
objectives
year
over
year.
Skilled
at
website
development,
HTML,
CSS
and
graphic
design.
PROFESSIONAL
EXPERIENCE
BAYER
INC.
2001
–
2012
Senior
Credit
Analyst,
Credit
and
Collections
2005
–
2012
• Managed
portfolio
of
200
high-­‐risk
customers
with
monthly
sales
of
$15
to
$20
million.
• Minimized
bad
debt
losses
by
closely
monitoring
customers
through
follow
up
collection
calls,
noting
changes
in
payment
and
buying
patterns.
• Participating
in
monthly
meetings
with
Division
Head
and
Account
Managers
to
discuss
problem
accounts
and
determine
appropriate
action.
Set
up
repayment
schedules
and
restricted
terms
to
cash-­‐in-­‐advance
of
shipping.
• Reduced
Days
Sales
Outstanding
from
60
to
35
days
and
Days
Sales
Delinquent
from
15
to
3
days
beyond
terms,
contributing
to
operating
liquidity
and
minimizing
credit
exposure.
• Reconciled
complex
customer
accounts
to
uncover
and
provide
documented
proof
of
monies
owing.
Recovered
$180,000
and
disproved
a
claim
of
$3.2
million
for
preferential
payments
through
extensive
analysis
of
accounts
receivable
documents
and
journal
entries.
• Evaluated
credit
information
from
new
and
existing
customers
to
determine
degree
of
risk
assign
suitable
credit
limits
and/or
restricted
terms.
• Visited
customers’
place
of
business
to
review
financial
information
and
understand
their
management
strategy
to
determine
risk
and
appropriate
credit
limits.
• Supervised,
motivated
and
trained
new
staff
and
student
apprentices
approximately
three
times
per
year.
Imparted
ideas
and
concepts
in
a
patient,
logical,
step-­‐by-­‐step
manner,
creating
an
easy-­‐going
open
door
policy.
• Expedited
resolution
of
claims/debit
memos
deducted
from
customer
payments.
• Reported
month-­‐end
results
for
all
divisions
of
Days
Sales
Outstanding,
Days
Sales
Delinquent
and
commented
on
reasons
for
increases
or
decreases
compared
to
budget.
• Assigned
to
many
high
level
projects
based
on
extensive
knowledge
and
expertise
in
credit
including
the
accounts
receivable
portion
for
mergers,
acquisitions
and
divestitures.
Credit
Analyst
2001
–
2005
• Managed
credit
and
collection
of
800
pharmacy
and
100
extremely
high-­‐risk
chemical
accounts,
utilizing
in-­‐depth
knowledge
of
methodology
for
cash
application
of
customer
payments.

2. LEIGH
ANN
ROYAL
Page
2
• Contributed
significantly
to
the
development
and
implementation
of
cash
application
procedures
to
comply
with
Sarbanes
Oxley
audit
requirements.
• Identified
and
quickly
resolved
cash
application
posting
and
clearing
errors.
• Issued
intercompany
and
third
party
service
level
agreement
invoices
and
credit
notes,
followed
up
on
collections
and
assisted
intercompany
netting
team
to
ensure
all
invoices/credit
notes
were
recorded
prior
to
month
end.
ERICSSON
COMMUNICATIONS
INC.
1995
–
2000
Accounts
Receivable
Clerk,
Credit
and
Collections
AWARDS
AND
RECOGNITION
Bayer
Bravo
Awards
HST
Project,
2010
Accounts
Receivable
Contribution
to
Baycox
Drug
Launch,
2010
Accounts
Receivable
Divestiture
of
Diagnostics
Division
to
Siemens,
2006
Accounts
Receivable
Acquisition
of
Schering,
2006
Accounts
Receivable
(Opening
Balance)
Divestiture
of
Chemicals
Division
to
Lanxess,
2004
President’s
Gold
Cross
Award
Fostering
Teamwork
and
Cooperation,
2001
EDUCATION
AND
PROFESSIONAL
DEVELOPMENT
Bayer
Internal
Courses:
Credit/Accounts
Receivable
Training
in
SAP,
Business
Writing,
How
to
Deal
with
Difficult
Customers,
Assertiveness
Skills
Equifax:
The
Creditors
Interpretation
of
Financial
Statements
First
year
CGA
Courses:
Accounting,
Law
and
Economics
Humber
College:
HTML,
Custom
Style
Sheets,
Javascript
TECHNICAL
SKILLS
Microsoft
Office,
Adobe
InDesign
CS6,
Dreamweaver
CS6,
Edge
Animate,
Flash
CS6
FileMaker
Pro
11,
Adobe
Muse,
Acrobat
XI
Pro,
Photoshop
CS6,
SAP,
Mac
OS
X
10.8,
Windows
7
and
iOS
(Apple
iPhone/iPad)
devices
INTERESTS
Database
Configuration,
Website
Design
and
Coding,
Piano,
Art
and
Photography