BONITA SMITH
COMMERCIAL CREDIT CONTROLLER
Johannesburg
Summary
Experienced financial professional with strong expertise in managing credit and collections. Skilled in risk assessment, account reconciliation, and resolving discrepancies. Valued for collaborative teamwork, adaptability, and delivering consistent results. Reliable and adept at navigating changing needs with focus on improving cash flow and minimizing bad debt.
Overview
32
32
years of professional experience
2
2
Languages
Work History
Credit Controller
ALTECH NETSTAR
Johannesburg
03.2014 - Current
- Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
- Reached out to customers to follow up on payments
- Check bank statements daily and allocate payments accordingly.
- Reviewed customer accounts for compliance with repayment obligations.
- Collections on Motor dealerships
- Book Value 4 Million
- Ensure that credit notes, journals and EFTs are correct before submitting to Supervisor for approval
- Ensure that all necessary steps have been taken before an account is handed over to legal department.
• Identify and resolve problem accounts.
• Resolve customer queries within 24 hours.
•Take responsibility for allocated debtor’s book.
•Effective time management to ensure all clients contacted monthly.
•Make effective and sufficient electronic notes regarding customer contact.
•Maintain account information on system.
Credit Controller/Fraud and Risk Analyst
ALTECH AUTOPAGE CELLULAR
Johannesburg
04.2005 - 02.2014
- To collect outstanding amounts on cellular accounts
- Ensure correct and timeous payment allocations on accounts.
- To prevent ageing on allocated debtor’s book
- Responded to disputes calmly and applied logical, knowledgeable approaches to devise solutions.
- Monitoring of excessive usage on cellular accounts and identify possible fraud and suspend accounts .
- Contact customers with debit order rejections and do necessary adjustments.
- Correct/accurate completion of documents - i.e. Credit/Debit notes, EFT's, journals and legal handover
- Professional and courteous service/assistance to customers (internal & external
Credit Controller
Vodacom Service Provider Company
05.2003 - 03.2005
- Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
- Enhanced company reputation through professional communication with customers, resolving disputes, and negotiating payment plans.
- Consistently met or exceeded targets set for reducing outstanding balances while adhering to strict deadlines.
- Assisted in maintaining a healthy cash flow by promptly identifying and addressing potential credit risks.
- Played an integral role in improving the company''s cash position by successfully negotiating mutually beneficial payment terms with clients.
- Maintained accurate records of all communications related to debtor management for audit purposes.
- Established and maintained customer and staff policies.
Credit Controller
WesBank
04.1993 - 03.2005
- Followed up with delinquent accounts to obtain funds and reduce aging balances.
- Managed outstanding balance amounts by evaluating reports and determining collection statuses.
- Completed journal entries, reconciliations, and account analysis to prepare quarterly financial documents and general account management.
- Reviewed customer accounts for compliance with repayment obligations.
- Reduced overdue debt by closely monitoring customer accounts and taking prompt action on outstanding payments.
Education
CREDIT MANAGEMENT 4
CSM DEBT SERVICES
Sandton, South Africa06-2018
CREDIT MANAGEMENT 3
CSM DEBT SERVICES
Sandton, South Africa11-2017
CREDIT MANAGEMENT 2
CSM DEBT SERVICES
SANDTON06-2017
CREDIT MANAGEMENT 1
CSM DEBT SERVICES
Sandton, South Africa11-2015
High School Diploma -
Willow Crescent Senior Secondary School
Eldoradopark, South Africa 04.2001 -
Skills
Continuous improvement mindset
Debtor monitoring
Assertiveness in collections
Credit control procedures
Account reconciliation proficiency
Customer relations
Problem-solving abilities
Decision-making
Teamwork and collaboration
Excellent communication
Time management
Attention to detail
Interpersonal communication
Timeline
Credit Controller
ALTECH NETSTAR
03.2014 - Current
Credit Controller/Fraud and Risk Analyst
ALTECH AUTOPAGE CELLULAR
04.2005 - 02.2014
Credit Controller
Vodacom Service Provider Company
05.2003 - 03.2005
High School Diploma -
Willow Crescent Senior Secondary School
04.2001 -
Credit Controller
WesBank
04.1993 - 03.2005
CREDIT MANAGEMENT 4
CSM DEBT SERVICES
CREDIT MANAGEMENT 3
CSM DEBT SERVICES
CREDIT MANAGEMENT 2
CSM DEBT SERVICES
CREDIT MANAGEMENT 1
CSM DEBT SERVICES
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