Sandra Ruiz
Pico Rivera,CA
Summary
I was a Credit Manager of Credit and Collection Departments and its staff for over 25 years with a solid track record for ensuring client satisfaction. Displaying profound knowledge for the responsibilities to handle various reports including daily deposit, month-end, and daily collections. I managed collection calls and all account aging's for all branches that I oversaw in addition to providing reports for upper management, when requested. I am a punctual and motivated individual who is well-adapted to time management, always willing to adapt and learn new skills. I am able to work independently and also within a team setting in order to build up good working relationships with all involved. I am able to listen effectively when solving problems in two different languages which include both English and Spanish.
Overview
39
39
years of professional experience
Work History
Asst. Credit Manager
Triple S Steel
06.2021 - 04.2024
- Developed strong relationships with key clients through regular communication, fostering trust and improving long-term account management.
- Verified application and account details to accurately asses credit and financial risks of potential clients.
- Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.
- Kept records of customers' charges and payments.
- Worked with clients to define and implement terms for approved credit requests.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
- Efficiently resolved disputes by working closely with customers and negotiating mutually beneficial payment plans or settlements.
- Increased cash flow by diligently pursuing past-due receivables through targeted collection efforts.
- Updated client accounts with new information and verified data for informed credit approvals.
CREDIT MANAGER
KELLY PIPE CO., INC.
01.2007 - 06.2020
- Co-managing the staff as well as the Credit and Collection Department
- All credit functions for Sacramento, Texas, Colorado, OCTG, and the Highline Pipe while assisting with all branches as needed
- Traveling to Texas when needed to train on Collections
- I handle daily deposit reports, month-end reports, daily collection reports, and collection calls
- Also, managing all account aging's for all branches that I manage, provide reports for upper management, when requested
- Providing past-due weekly reports, and post daily payments along with ACH payments
- Taking bank deposits release quotes, review accounts, open new accounts, increase credit limits, credit ratings, resolve disputes and short pays, processing credit card payments, making sure all account aging's reports are clean and up to date
- Checking approval by United Tranzaction
- Attending Credit Manager Association awards ceremonies and events, the annual Construction Law Seminars, and various Credit Scape Seminars
- Attending webinars on all credit functions as well as Kelly Pipe meetings, when requested
- I also have communication with the sales department through branch managers and upper management on a daily basis
- Having the responsibilities as a co-manager to handle all self-performance appraisal for the credit department group and continuously making sure the department is always covered.
ACCOUNTS RECEIVABLES SENIOR CLERK
BIMBO BAKERIES U.S.A
01.2001 - 01.2006
- Responsible for maintaining control of the trade areas, balancing requirements in addition to being in charge of customer's accounts and phone calls to customers regarding their accounts
- Exporting cash on daily basis for unidentified cash, verifying, and sorting bank deposits
- Coordinating, notifying, and loading daily cash with Ft
- Worth, TX
- Maintaining documentation in sufficient details to refer chronic and high-risk customers to credit and sales management
- Responsible for assisting clerks with problem-solving issues and meeting balancing requirements
- Follow up and resolve all pricing, short payments, overpayments, and skipped invoices by check, and credits as well
- Filling in for supervisor, as needed, in all areas
- Balancing out daily and weekly A/R for all three Market Areas
- Weekly A/R reports, aging reports, and month-end reports as well
- Process all ITV's and Wire Transfers as they come in from other market areas
- Send ITV's to other market areas on Tuesday of each week
- Weekly Statements need to be generated and verified for accurate totals, which will ensure prompt payments
- Exporting the receipts summary on a daily basis and keeping files on Excel with the number of unidentified cash and cash accounts
- NSF Check reversals post and notifying the Credit Department
- Intercompany transfers, adjustment approvals, and writeoff amounts over clerk limits, chargebacks, as well as credit and debit memos
- Having good communication with staff, able to adapt to changes and eager to assist others and to learn more
- Willing to go the extra mile to have better results on the job.
ACCOUNT RECIEVABLES & COLLECTION PERSONNEL
KELLY PIPE CO., INC.
01.2000 - 01.2001
- Responsibilities include Collections follow ups, customer service, negotiating and settling past due accounts, refer chronic customer to credit and sales management, data entry, and daily bank deposits as well as reports for aging weekly, and month-end
A/R, A/P, PAYROLL, & CREDIT DEPARTMENT
AMERICAN FABRICATED GLASS CO.
01.1999 - 01.2000
- Data entry daily, cash application in a daily basis, collection, month-end statements and reports, daily bank deposits, weekly and monthly aging, billing, weekly time sheets, as well as weekly payroll
- Daily credit ratings, opening new cash and credit accounts, collection calls, and mailing customer statements.
A/R SUPERVISOR & CREDIT DEPARTMENT REPRESENTATIVE
SUANDY FOODS, INC. DBA: BIMBO BAKERIES U.S.A.
01.1997 - 01.1999
- Supervising accounts receivable, supervising a staff of 6 employees, closing accounts, journal entries, general ledgers, collections, completing write-offs, balancing agency reports, supervising accounts, completing weekly reports, mailing out letters for past due accounts, calling customers regarding accounts for all groups, research for office and customers.
CREDIT DEPARTMENT REPRESENTATIVE
MARQUEZ BROTHERS CO. (EL MEXICANO)
01.1995 - 01.1997
- Credit applications, requesting credit reports with Dun and Bradstreet, requesting credit ratings, Band references, rating accounts, informing supervisor about credit approvals, and calling customers
- Printing out customers' reports and customer lists, closing out and reporting bad accounts
- Cash controller, counting approximately $30,000 - $40,000 daily, getting deposits ready for Dunbar Armored, balancing daily cash reports and month-end reports, reporting cash flow, record tracking of daily-pickups, and closing monthly statements.
OFFICE MANAGER
ABC TRAFFIC SAFETY SCHOOL
01.1994 - 01.1995
- Nature of business was a DUI school
- Managing a staff of 5 employees, supervising each group of 12 every night, taking payments, scheduling their meetings, evaluating the students through daily reports, phone calls to students, then proceeding to call the courts regarding each student
- Month-end reports were completed and statements were mailed out amidst managing for other offices when needed, then in addition to attending staff meetings once-a-month, attending different courts once-a-week for DUI cases with the knowledge to make sure students were not under the influence in class.
UTILITY OFFICER
PACIFIC WESTERN NATIONAL BANK
01.1989 - 01.1992
- Acted as bank teller, drive-up teller, vault teller, customer service department, managed new accounts, aided in the research department, and balanced out cash draw daily while also selling to the vault
- Encoding deposit slips as well as checks and filming daily work.
NEW ACCOUNTS REPRESENTATIVE
GOLDEN STATE BANK (SANWA BANK)
01.1985 - 01.1989
- Balancing ATM machines daily, cash-counting ATM machine, working in the Pico Rivera branch before being transferred to the Downey branch
- As a New Accounts Representative, I also worked as a customer service representative, teller, drive-up teller.
Education
DIPLOMA -
EL RANCHO HIGH SCHOOL
Pico Rivera, CASkills
- 10 Key By Touch & All Office Equipment
- Motivated Self-starter
- Dependable Communication Skills
- Natural Team Leader
- Consistent Problem Solver
- Well-organized
- Task & Detail-oriented
- Willingness To Learn & Grow
References
- STEVE LIVINGSTON (CEO), KELLY PIPE CO., INC., Denver, CO, # (303) 345-3532
- KAREN BRUGGENTHIES (BRANCH MANAGER), KELLY PIPE CO., INC., Denver, CO, # (303) 550-1863
- CAROL TAYLOR (BRANCH MANAGER), KELLY PIPE CO., INC., Santa Fe Springs, CA, # (310) 699-5768
- CARMELLA LARA (CO-CREDIT MANAGER), KELLY PIPE CO., INC., Santa Fe Springs, CA, # (562) 466-6303
Timeline
Asst. Credit Manager
Triple S Steel
06.2021 - 04.2024
CREDIT MANAGER
KELLY PIPE CO., INC.
01.2007 - 06.2020
ACCOUNTS RECEIVABLES SENIOR CLERK
BIMBO BAKERIES U.S.A
01.2001 - 01.2006
ACCOUNT RECIEVABLES & COLLECTION PERSONNEL
KELLY PIPE CO., INC.
01.2000 - 01.2001
A/R, A/P, PAYROLL, & CREDIT DEPARTMENT
AMERICAN FABRICATED GLASS CO.
01.1999 - 01.2000
A/R SUPERVISOR & CREDIT DEPARTMENT REPRESENTATIVE
SUANDY FOODS, INC. DBA: BIMBO BAKERIES U.S.A.
01.1997 - 01.1999
CREDIT DEPARTMENT REPRESENTATIVE
MARQUEZ BROTHERS CO. (EL MEXICANO)
01.1995 - 01.1997
OFFICE MANAGER
ABC TRAFFIC SAFETY SCHOOL
01.1994 - 01.1995
UTILITY OFFICER
PACIFIC WESTERN NATIONAL BANK
01.1989 - 01.1992
NEW ACCOUNTS REPRESENTATIVE
GOLDEN STATE BANK (SANWA BANK)
01.1985 - 01.1989
DIPLOMA -
EL RANCHO HIGH SCHOOL
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