Charline Ruiz
Clovis
Summary
Dynamic professional with a proven track record at HD Supply, excelling in credit risk management and customer service. Adept at implementing streamlined processes and mentoring teams, I leverage critical thinking and strong communication skills to enhance decision-making and foster positive client relationships, significantly reducing default rates in my portfolio.
Overview
14
14
years of professional experience
Work History
Patient AR Lead
Betternight
San Diego
10.2020 - Current
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
- Proven ability to learn quickly and adapt to new situations.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Strengthened communication skills through regular interactions with others.
- Adaptable and proficient in learning new concepts quickly and efficiently.
Senior Credit Representative
HD Supply
Santee, CA
05.2012 - 01.2020
- Managed credit risk assessments to ensure compliance with company policies.
- Developed and implemented streamlined processes for credit applications and approvals.
- Mentored junior representatives in effective credit evaluation techniques and customer service skills.
- Analyzed customer financial data to recommend appropriate credit limits and terms.
- Collaborated with sales teams to resolve disputes and enhance customer relationships.
- Led initiatives to enhance reporting accuracy, improving decision-making effectiveness.
- Implemented risk mitigation strategies that reduced overall default rates within portfolio.
- Negotiated payment arrangements with customers experiencing financial difficulties, minimizing loss exposure for the company.
Education
High School Diploma - General Studies
Hoover High School
San Diego, CA06.2009
Skills
- Friendly, positive attitude
- Teamwork and collaboration
- Customer service
- Problem-solving
- Time management
- Flexible and adaptable
- Attention to detail
- Dependable and responsible
- Multitasking
- Excellent communication
- Critical thinking
- Computer skills
- Multitasking Abilities
Languages
English
Native or Bilingual
Timeline
Patient AR Lead
Betternight
10.2020 - Current
Senior Credit Representative
HD Supply
05.2012 - 01.2020
High School Diploma - General Studies
Hoover High School