Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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Kelly Ruiz
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Kelly Ruiz

San Antonio,TX

Summary

Dynamic professional with 17 years of hands-on experience in collections, adept at navigating complex challenges. Strong problem-solving abilities and a proactive approach ensure efficiency and effectiveness in all tasks. Recognized for adaptability, creativity, and a results-oriented mindset that drives success. Committed to making meaningful contributions that advance organizational goals and foster growth.

Overview

24
24
years of professional experience

Work History

Member Service Representative

PenFed Credit Union
San Antonio, TX
10.2025 - Current
  • Processed account transactions accurately, ensuring compliance with credit union policies.
  • Built rapport with members by engaging in genuine conversations and demonstrating a commitment to their financial wellbeing.
  • Educated members on products and services, fostering informed financial decisions.
  • Collaborated with team to streamline workflows, improving service efficiency and response times.
  • Provided exceptional service through active listening, understanding member needs, and offering appropriate solutions.

Collections Agent

USAA Federal Savings Bank
San Antonio, TX
04.2007 - 06.2024
  • Managed high-volume collections calls to resolve outstanding account balances.
  • Developed and implemented effective payment plans for clients experiencing financial hardship.
  • Analyzed account history to identify patterns and recommend appropriate collection strategies.
  • Collaborated with internal departments to ensure compliance with lending regulations and policies.
  • Trained new hires on collections processes, systems, and customer service practices.

Manager

Santikos Rialto Theatre
San Antonio, TX
08.2002 - 08.2005
  • Duties include ordering merchandise, organizing special events, preparing daily paper work for corporate office. Position required ability to work in high-pressure /fast paced environment.
  • Trained team members on best practices for inventory control and system usage.
  • Led cross-functional teams to enhance operational efficiency and streamline workflows.
  • Mentored and trained staff, fostering a culture of continuous improvement and accountability.
  • Analyzed organizational performance metrics to inform decision-making and resource allocation.

Education

Bachelor of Arts - Business in Psychology

UTSA
San Antonio, TX
06-2026

Associates - Business Administration

HallMark College
San Antonio, TX
01-2007

Skills

  • Customer service
  • Negotiation
  • Payment arrangement
  • Collections processing

Accomplishments

  • Supervised team of 20 staff members at the Santikos Rialto movie theatre.

Timeline

Member Service Representative

PenFed Credit Union
10.2025 - Current

Collections Agent

USAA Federal Savings Bank
04.2007 - 06.2024

Manager

Santikos Rialto Theatre
08.2002 - 08.2005

Associates - Business Administration

HallMark College

Bachelor of Arts - Business in Psychology

UTSA
Kelly Ruiz