Iva Todorova

• Resolved overdue account issues, enhancing customer satisfaction through professional interactions.
• Secured payment arrangements via negotiation, ensuring stakeholder satisfaction.
• Employed tactful debt recovery techniques to maintain positive customer relationships.
• Prioritised high-risk accounts, minimising potential organisational losses.
• Determined customer credit limits based on detailed financial analyses, ensuring informed and balanced credit decisions.
• Monitored customers' credit limits to ensure compliance with company policies.
• Blocked and unblocked customer accounts due to overdue or overlimit situations.
• Ensured timely payments through proactive communication regarding overdue accounts.
• Investigated and resolved payment disputes to uphold cash flow objectives.

• Contacted customers regarding overdue accounts to ascertain reasons for non-payment.
• Resolved customer disputes while nurturing positive client relationships.
• Sent statements of account to provide transparency on outstanding balances.
• Investigated and addressed customer queries and payment discrepancies efficiently.

• Telephone calls to/from clients with overdue receivables in order to clarify the reasons for the overdue receivables on the used credit products and for the unfulfilled previous payment commitments;
• Offering effective negotiations with clients to find the best options for recovering the exposure;
• Negotiating a new payment term for overdue receivables by the obligated parties;
• Offering the possibility of restructuring for clients with identified difficulties or inability to regularly service their exposure;
• Maintaining correct and reliable information in the Bank's specialized software in terms of reflecting the results of attempts to contact clients.

• Administered general office functions, including effective management of supplies.
• Produced documents and maintained registers to support operational needs.
• Communicated actively with suppliers and vendors to resolve issues promptly.
• Oversaw meetings with clients and guests while managing all correspondence channels.

• Collaborated with clients to understand needs and deliver tailored solutions.
• Issued invoices promptly to ensure timely payments.
• Processed primary documents accurately to maintain operational efficiency.