Ruth Berrios
Chicago,IL
Summary
Dynamic Credit Analyst with a proven track record at Pronto Finance, adept at risk assessment and contract verification. Skilled in Excel and fluent in Spanish, I excel in building relationships and delivering exceptional customer service, ensuring timely approvals and high-quality outcomes in fast-paced environments.
Overview
21
21
years of professional experience
Work History
Credit Analyst
Pronto Finance
Schaumburg, Illinois
11.2018 - 08.2026
- Developed comprehensive understanding of financial statements to assess risk more effectively.
- Presented key information to upper management, facilitating faster approval processes.
- Established and maintained effective business relationships with internal and external stakeholders.
- Demonstrated self-reliance by consistently meeting and exceeding workflow requirements in a fast-paced environment.
- Juggled multiple projects and tasks to ensure high quality in a timely matter.
- Prioritized and organized projects to efficiently accomplish service goals.
- Worked closely with diverse groups and coworkers to accomplish goals and address issues related to our products and services.
Verifier
Castle Credit Finance
06.2018 - 09.2018
- Authenticated customer identifiers using eIDverifier and Equifax, enhancing security and trust in customer data.
- Verified accuracy of contract information, including job verifications, ensuring compliance and reducing potential discrepancies.
- Conducted collection calls to recover overdue accounts, facilitating timely payments and maintaining cash flow.
Client Services
Combined Insurance
04.2016 - 06.2018
- Processed policy cancellations in accordance with customer requests
- Established direct billing systems to streamline payment processes
- Distributed service request forms to facilitate customer inquiries
- Processed customer service requests using Clarify application for tracking
Underwriter Trainee
Combined Insurance
06.2012 - 04.2016
- Assess risk on new business - from medical reports, phone interviews, motor vehicle reports, claim history and application data
- Reviewed applications to ensure compliance with underwriting parameters and protocols, facilitating risk assessment
- Processed benefit changes for existing coverage, ensuring accurate updates and communication with policyholders
- Handled customer service calls from policyholders and agents, addressing inquiries and providing support
Admin Assistant/Coordinator
Salvation Army Family Shelter
01.2006 - 12.2011
- Coordinated human resources functions to support organizational needs
- Processed new hire paperwork to ensure compliance and smooth onboarding
- Performed clerical tasks including filing, data entry, records management, and billing to maintain operational efficiency
- Communication anchor for HR department
- Employee training
- Performed bookkeeping tasks
Education
High School Diploma - General Studies
SCHURZ HIGH SCHOOL
Chicago, IL06-1988
Skills
- FLUENT IN SPANISH
- PROFICIENT IN EXCEL
- PROFICIENT IN MICROSOFT WORD/OFFICE
- CONTRACT VERIFICATION
- ORAL AND WRITTEN COMMUNICATIONS
- INFORMATION VERIFICATION
- PEOPLE SKILLS
Volunteer Experience
Ground Zero on behalf of Salvation Army, 2 weeks, 2001
Timeline
Credit Analyst
Pronto Finance
11.2018 - 08.2026
Verifier
Castle Credit Finance
06.2018 - 09.2018
Client Services
Combined Insurance
04.2016 - 06.2018
Underwriter Trainee
Combined Insurance
06.2012 - 04.2016
Admin Assistant/Coordinator
Salvation Army Family Shelter
01.2006 - 12.2011
High School Diploma - General Studies
SCHURZ HIGH SCHOOL