Open to opportunities

Judy Mcmaster

@judymcmaster

Message

I am an experienced credit controller and bookkeeper optimizing cash flow.

South Africa

Message

What I'm looking for

I seek a hands-on accounting role leading credit control and full-function bookkeeping, improving cash flow, ensuring compliance, and delivering clear financial reporting in a process-driven organisation.

With over 25 years of experience in debtors and credit control management, I bring a strong track record of optimizing cash flow and mitigating financial risk.

I specialize in developing and implementing effective credit policies, managing collections, and resolving complex disputes while performing full-function bookkeeping to balance sheet, accounts payable and receivable, reconciliations, and payroll processing.

I have supported internal and external audits, prepared VAT returns and tax submissions, produced monthly, quarterly and annual financial reports, and managed bank reconciliations and cash flow projections across multiple organisations. I have managed debtor and creditor functions across sectors including manufacturing, property management and transport.

I am practical, compliance-focused and process-driven, and I collaborate with management to analyse financial data and improve decision-making. I am ready to contribute immediate value through disciplined credit control and meticulous bookkeeping.

Experience

Work history, roles, and key accomplishments

Current

Accountant

Current

Retrolex Transformers

Jun 2025 - Present (2 months)

Maintain and update ledgers, reconcile bank accounts monthly, process payroll and VAT returns, and prepare monthly, quarterly and annual financial reports to support management decision-making. Support audits and tax submissions while monitoring budgets and asset records to ensure compliance.

Financial Reporting Bank Reconciliation Payroll VAT Returns Accounts Payable Accounts Receivable Audit Support Budgeting

Credit Controller

Chick Henderson

Apr 2022 - May 2025 (3 years 1 month)

Managed full-cycle credit control including invoicing, monthly statements, cash allocation across four branches and collections, reducing outstanding balances through active client engagement and dispute resolution. Prepared projected weekly cash flow and reconciled petty cash and bank payments to improve cash visibility.

Credit Control Cash Allocation Invoicing Age Analysis Cash Flow Forecasting Reconciliations Credit Collections Client Relationship Management

Debtors Manager

Lumoss Mouldings

Nov 2021 - Mar 2022 (4 months)

Led accounts receivable operations, implemented policies and procedures, and managed billing, invoicing and credit notes to streamline collections and improve ageing on 30 days for corporate and retail clients. Coordinated with HR and dispatch functions to support company processes and reporting.

Accounts Receivable Policy Implementation Billing Age Analysis Collections Reporting

Debtors Controller

Astrodon Property Management

Mar 2016 - Oct 2021 (5 years 7 months)

Managed full-function debtors processes including bank reconciliations, account management with property managers and submission of notice reports and debit orders to improve collections and resolve tenant queries. Acted as primary contact for billing complaints and reconciliations.

Bank Reconciliation Account Management Debit Orders Collections Reporting Reconciliations

Creditor & Cashbook

Sena Trucking

Feb 2014 - Jun 2014 (4 months)

Managed full creditors function handling payments for 54 creditors (value R5,144,138.34) and full debtors function for 80 accounts (value R7,187,243.00), maintained cashbook, performed daily bank reconciliations and prepared monthly statutory and quarterly financial reports. Performed invoice batching, reconciliations and vendor assessments to ensure timely payments and accurate records.

Cash Book Creditors Management Cashbook Bank Reconciliation Invoice Matching Financial Reporting VAT PAYE

Debtors/Creditors Manager

Morena Cleaning Corporate

Aug 2013 - Jan 2014 (5 months)

Operated full-function debtors and creditors management for a R1.2m book value, managed stock and store operations, and maintained supplier and client reconciliations to ensure accurate cash collection and payments. Controlled documentation and store inventory to support operations.

Creditors management Creditors Management Stock Control Store Management Reconciliations Invoicing Documentation Inventory

Full Function Bookkeeper

Cisco Auto Repair

Jan 2004 - May 2012 (8 years 4 months)

Performed end-to-end bookkeeping to balance sheet including debtors, creditors, payroll (PAYE/UIF), VAT and bank dealings, and managed workshop administration and client queries to maintain accurate financial records. Prepared job cards, quotations and ensured H&S compliance.

Payroll PAYE UIF Accounts Receivable Accounts Payable Health & Safety

Full Function Bookkeeper

Hertz Technologies

Jan 1999 - Dec 2003 (4 years 11 months)

Managed full bookkeeping through trial balance and balance sheet, oversaw debtors and creditors processing, VAT/PAYE/UIF compliance and office management, and supported ISO and fire management control processes. Ensured accurate financial statements and statutory compliance.