Jhay Cruz

With over 14 years of experience in accounting, credit & collection, credit management, accounts receivable, collections, and banking operations. Extensive experience evaluating customer creditworthiness, recommending credit limits, reducing overdue receivables, resolving payment disputes, coordinating legal collections, and supporting business growth while minimizing financial risk. Experienced in working with manufacturing and corporate customers, reviewing audited financial statements, analyzing financial ratios, monitoring aging reports, and collaborating with sales, finance, and legal departments to improve collections and cash flow.

Seeking a Credit Control, Accounts Receivable, or Credit Risk position in Singapore with an employer offering Employment Pass sponsorship.

Credit & Collections Supervisor - Inkote Philippines Inc. - Taytay, Rizal, Philippines

(2025-06)

• Evaluate corporate credit applications and recommend credit limits.
• Analyze audited financial statements and financial ratios.
• Monitor customer aging reports and overdue accounts.
• Coordinate collection activities with customers and Sales team.
• Conduct customer account reviews and credit investigations.
• Prepare Statements of Account, Reminder Letters, Demand Letters, and collection reports.
• Coordinate legal collection efforts for delinquent accounts.
• Prepare collection forecasts for management.
• Managed corporate receivables for manufacturing customers.
• Performed financial analysis for new credit applications.
• Assisted management in minimizing credit exposure and bad debts.
• Improved collection monitoring through proactive account follow-up.

Accounting Supervisor - Ed Jire Herbal Products

(2023-10 - 2025-03)

• Managed accounting operations across multiple business units.
• Prepared Balance Sheet, Income Statement, and Cash Flow reports.
• Monitored VAT, EWT, and BIR compliance.
• Performed bank reconciliation.
• Managed working trial balances and journal entries.
• Supervised fund transfers and payment approvals.
• Prepared monthly financial reports for management.
• Successfully managed accounting operations for E-Commerce

Accounting Associate - Stampa Offset Inc.

(2020-05 - 2023-09)

• Prepared monthly financial statements.
• Managed bookkeeping.
• Handled government compliance.
• Prepared BIR reports.
• Bank reconciliation.

Accounting Supervisor - Rodriguez Rural Bank Inc.

(2013-10 - 2018-01)

• Prepared monthly financial statements.
• BSP reporting.
• DOSRI reporting.
• Bank reconciliation.
• Disbursement monitoring.
• Audit support.
• Financial analysis.
• Prepared regulatory reports for Bangko Sentral ng Pilipinas (BSP)

Branch Accountant - BMS Bank

(2011-04 - 2013-09)

• Branch accounting
• Daily collections
• Bank reconciliation
• Financial reporting

Accounting / Treasury Assistant - South Star Drug Inc.

(2010-06 - 2011-03)

• Treasury operations
• Rental payments
• Sales reconciliation
• Sodexo reimbursement
• Gift certificate reconciliation

Bachelor's - Business Administration - University Rizal System (2006 - 2010)

Banking and finance - University Rizal System