Kathleen M. Ratajczak

716-***-**** ac3f4r@r.postjobfree.com

Professional Summary

Senior Credit Specialist with 20 years of experience applying credit policies and responding to customer inquiries about credit limits and payment concerns.

Functional Experience:

Credit, Operations, Training, Project Management

Credit Specialist Expertise:

Camphene Credit Standards

Improving Business Processes

Evaluating Credit Applications

Offering Credit Options

Software Experience:

MS Office-Word, Excel, Outlook

Micro Focus Rumba Mainframe Edition

GETPAID Collection Tool

Billtrust Electronic Invoice/Online Payment

Adobe Acrobat Reader/Writer

Imatch-Internal Deductions Management

Web Based Payment Portals

Professional Experience

Ingram Micro 1992 - 2017

Global leader of technology distributions and leading technology sales, marketing and Logistics Company.

Senior Credit Specialist (2002 - 2017)

Responded to customer inquiries daily about credit limits and payment concerns. Determined potential risk on growth, stability, ability and willingness to repay. Analyzed credit data and financial statements to determine risk. Held decision making responsibility for suspension of approved credit. Communicated with customers and conducted customer transactions in a courteous and expedient manner. Directed/managed accounts receivable and credit flow. Initiated credits and adjustments to customer accounts.

Effectively maintained about 200 accounts with balance of $120 million.

Established weekly reports to keep upper management informed.

Increased cash flow ensuring cash collections targets were met.

Developed and implemented credit policy for the company.

Minimized bad debt by effectively managing repayment plans.

Reduced impact on shipment delay by proactively handling collection efforts.

Initiated claims and credits for disputes and deductions.

Recognized opportunities for increasing credit extension.

Regional Credit Manager (1997 - 2002)

Analyzed credit worthiness of assigned customer portfolio. Approved credit extensions and proactively handled collection efforts.

Regional Collection Manager (1992 - 1997)

Managed and coached new collectors. Developed and implemented company credit policy and procedures.

Professional Development

Basic Principles of a Collaborative Workplace Giving/Receiving Constructive Feedback

Positive Responses to Negative Situations Getting Your Point Across

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