1. CRISTIAN MATEI
22 Cottonwood Court, Markham, On L3T 5X1● Cell: 416-605-9738 H: 905-886-0975
cristianmatei@rogers.com
OBJECTIVE: To work as a credit analyst for an institution where my skills and
experience will be used to their full potential.
HIGHLIGHTS
 Strong knowledge of credit /collection legislation and procedures
 Courteous and professional at all times; customer oriented
 Excellent negotiating skills, analytical ,detail oriented
 Very well organized, team player and fast learner
 Proven ability to meet deadlines, proactive and result oriented
 Creative approach in problem solving and finding solutions
 Good command of SAP System, AS400-BPCS,Oracle, People Soft, Excel,
JD Edwards, MS. Word, Outlook
 Fluent in English and French
PROFESSIONAL EXPERIENCE
Bilingual Credit Analyst (Contract)
Bayer Canada Inc. November 2013-October 2014
 Assessed credit applications ,analyzed credit reports, bank ratings and trade references
 Established credit limits for new customers
 Reviewed orders on credit hold; contacted customers to pay the past due balances
Increased credit limits if possible when necessary
 Collected overdue accounts, negotiated payment plans with customers if needed
 Reconciled differences on the accounts
 Collaborated with customer service and sales reps to resolve specific discrepancies
 Applied cheques and wire transfers to the customers’ accounts
 Reviewed customers’ credit limits
Bilingual Credit Representative (Contract-maternity leave)
Parmalat Canada Inc. October 2012- October 2013
 Collected overdue accounts, reviewed credit limits for slow paying customers
 Contacted the customers with the accounts on automatic order block to negotiate payments
for the past due amounts. Requested new credit applications for the accounts over the credit
limit if necessary, analyzed commercial reports, bank and trade references.
 Recommended to increase the credit limit for customers with a good credit history
 Advised the customer service to override the order block for qualified customers
 Negotiated payment plans, referred accounts to the third party collections if necessary
 Processed customers claims, issued adjustments for the valid deductions that are approved by the sales
department and credit supervisor
 Reconciled the accounts, negotiated the reimbursement of the invalid deductions
 Applied payments for the major accounts and the distribution accounts
 Handled daily and weekly specific reports, distributed them to different users
 Balanced and filed weekly adjustments

2. Bilingual Senior Credit Coordinator
Suzuki Canada Inc. Nov 2011- April 2012
 Assessed credit applications for new dealers; analyzed financial statements, commercial and consumer credit
reports, trade and bank references
 Created new files; obtained other documentation required (contracts, guarantees: Letter of credit, Money in trust
,Personal guarantee) ; established credit limits if credit approved by senior management
 Exchanged various documentation with dealers and their financing institutions
 Performed PPSA search, registration, renewal or discharge
 Performed credit procedure for terminated dealers/ closed files
 Reviewed daily orders on hold/contacted dealers for payment if necessary
 Collected overdue accounts, negotiated payments , referred derogatory accounts to a third party collection
agency
 Up-dated specific reports (daily, weekly, monthly): cash in advance accounts, slow accounts to monitor
registered unit report, active -terminated dealers etc.
 Collected monthly financial statements for all franchise dealers and coordinated with third party to creat e
financial statements composites /system update
 Paid dealers with credit balances on a monthly bas is, other administrative duties
Bilingual Credit Analyst
GBC/ACCO Brands Canada Inc. March 2009- Nov 2011
 Reviewed orders on hold and contacted customers to arrange payment for
the overdue accounts
 Increased credit limits if sales increased for the accounts with a good credit rating
 Performed credit check-up analyzing commercial reports, bank rating and trade references
 Collected overdue accounts negotiate payments with customers
 Referred delinquent accounts to third party collection agencies
 Investigated claims that generate short payments on the account and follow up with
customer service or sales reps in order to validate or deny credits
 Reconciled differences on the account
 Applied cheques to customer accounts
 Processed payments by credit cards and apply them to the accounts
Bilingual Credit Analyst
Bausch & Lomb Canada Inc. Nov. 2003- Nov.2008
 Analyzed customer credit requests by using commercial and consumer credit reports(Equifax, D&B), bank
ratings, trade references and financial statements when available
 Approved or denied credit –established credit limits for successful applicants
 Up-dated credit limits when necessary –increased or decreased them according to the company’s policies and
guidelines (payment history, credit references, sales volume etc.)
 Reviewed daily orders on automatic hold-contacted clients to negotiate payments when needed
 Collected overdue accounts
 Reconciled specific discrepancies and amounts on dispute
 Collaborated with sales department and customer service in resolving clients’ issue s
 Referred delinquent accounts to third party collection agencies if no payment plans are viable
 Processed credit card payments for preauthorized accounts or by occasional request
 Prepared month end reports such as: Aging Analysis, Bad Debt, Cash Forecast etc.
Collection Specialist
GBC Canada Inc. Feb 2001-Nov 200

3.  Analyzed customers’ pending orders –released or held them according to credit criteria
 Negotiated payments for overdue accounts -offered options to release pending orders
 Reviewed past due accounts, contacted clients and negotiate payment of arrear amounts
 Approved payment plans or sent accounts to third party collections when necessary
 Extended, reduced credit limit based on payment history
 Answered customers’ inquires, accounts reconciliation
 Applied clients’ checks, processed credit card payments
 Dealt with Quebec accounts on review when needed
Financial Service Representative -contract Dec. 1999- Dec.2000
Merisel Canada Inc.
 Analyzed client orders on credit hold
 Released or held orders corresponding to credit limit and payment history, extended credit limit for good
accounts within specific percentage
 Negotiated terms of transactions. Offered options
 Performed accounts collection and reconciliation
 Recommended accounts for credit review when necessary
 Processed complaints from customers
 Sent delinquent accounts to third party collection
Bilingual Credit Analyst - contract Aug.1998 - Feb.1999
CIBC Finance Inc.
 Analyzed credit applications according to existing policy and guidelines
 Investigated customer’s credit history-analyzed personal credit bureaus, commercial bureaus,
bank ratings, financial statements for companies
 Settled the whole documentation and transactions terms for individual applicants or companies
 Analyzed lease applications – confirmed terms if approved
 Negotiated transactions with dealers, if customers met credit criteria
 Analyzed and referred dealers to the risk management for approval
 Approved or denied credit within specified limits
 Referred declined deals to high risk company –Trans Canada, when applicable
EDUCATION
The power of negotiation-collection course 2002
Understanding Commercial/Consumer credit reports 2003
Equifax Canada
Canadian Securities Course 1998
Richmond School of Commerce, Toronto
Master Degree in Economics-Finance and Accounting 1984 - 1989
University of Timisoara, Romania
References are available upon request