Miguel Angel Naranjo Hernández

As an Order to Cash Analyst, I am responsible for overseeing the entire process from order creation to cash collection. My daily tasks include the following:

• Order Processing and Management: Review, validate, and process customer orders in the system, ensuring accurate information and timely entry into the order management system.
• Cash Applications: Apply incoming customer payments to appropriate invoices, reconciling any discrepancies between payments and account statements.
• Aging and Dunning Management: Monitor accounts receivable aging reports and follow up on overdue invoices through dunning letters and customer communication.
• Credit Management: Analyze customer credit limits, evaluate risk, and ensure compliance with payment terms, making necessary adjustments to mitigate financial exposure.
• Bank Reconciliations: Perform regular reconciliations of bank statements to ensure payments and receipts are accurately reflected in the financial system.
• Reporting and Analysis: Generate and review reports such as aging reports, cash forecasts, and credit reports to provide insights into the financial health of the business.
• Customer Service and Relationship Management: Act as a point of contact for customers, addressing inquiries regarding payments, invoices, or discrepancies, and ensuring high-quality service and satisfaction.
• Collaboration and Process Improvement: Work closely with cross-functional teams, including sales, finance, and customer service, to resolve issues and improve the order-to-cash process. Proactively identify areas for process optimization and implement improvements to increase efficiency and reduce errors.

Accounts Receivables Analyst

As an Accounts Receivables Analyst, my main responsibilities included ensuring that the client portfolio remained up-to-date and accurate. Key tasks I performed included:

• Payment Registration and Processing: Accurately recorded incoming payments in SAP, ensuring proper allocation and reconciliation.
• Customer Communication and Support: Sent account statements, reviewed invoices, and provided ongoing support for clients across the USA, Canada, South America, and Asia, addressing inquiries and resolving issues promptly.
• Report Preparation and Payment Analysis: Prepared various financial reports, analyzed payment trends, and managed the application of credit notes.
• Account Management and Reconciliation: Conducted regular account clean-up activities, managed rebates, and performed bank reconciliations to ensure financial data integrity. Managed concentration accounts to ensure proper handling of funds.
• Documentation and Compliance: Ensured all necessary documentation was up-to-date and in compliance with insurance requirements (Atradius), including Tax Exception forms, W8 & W9 forms, and other essential customer records.
• Process Improvement and Support: Monitored and improved internal processes, ensuring high accuracy and efficiency in all receivables-related tasks.

As a member of BBVA’s Risk Area, I was responsible for the preparation of collection tracking reports and supported 212 branches in the metropolitan area with the recovery of assigned portfolios. My duties included conducting portfolio analysis for overdue accounts and credit life cycles, as well as managing and monitoring available payment plans to ensure that the institution’s targets and objectives were consistently met.

Additionally, I was responsible for activating operational procedures to enable executives to issue credits in compliance with internal regulations. I also oversaw the monitoring and management of processes related to unemployment insurance and death cases.

Furthermore, I coordinated the preparation of NAFÍN guarantee files, ensuring all necessary documentation, including personal documents, KYC information, and operational risk analysis, was completed to meet compliance requirements.