Customer Service Credit Risk

Helene (Lanthier) Wolsztyniak

Mitchell, ON 647-***-**** **********@****.***

www.linkedin.com/in/helene-wolsztyniak-ccp

Credit Risk Management

Identify potential credit risk accounts - exceptional attention to detail - gather and analyze financial data - evaluate the data and recommend a course of action – Evaluate industry, market and competitors - Evaluate and periodically inspecting collateral.

Build relationships with vendors for joint long-term success.

Focus on collaborative approach, fulfilling internal business partner requirements, mitigating operational and commercial risk, and improving supplier relationships and on-time commitments.

Account Management Operations Management Analysis and Evaluation Operations Start-Up Optimization Asset Management Order Fulfillment Bookkeeping and Accounting Order Processing Budget Forecasting Outsourcing Business Analysis Performance Analysis

Professional Experience

TD Canada Trust, Mitchell On

Customer Experience Associate 2022-2023

Report to Customer Experience Manager

Front line

Greet customers.

Assist in everyday banking.

Promote product to help clients.

SCHNEIDER ELECTRIC CANADA INC, Mississauga, ON 2014 - 2019

Bilingual Credit

Reported to credit manager – Worked large construction projects and direct sale customers in Ontario and Eastern Canada

Reduced DSO by 35% by identifying repayment sources and structuring and documenting.

Researched industries and analyzed credit limits.

Analyzed financial reports.

Worked with all levels of internal and external of management.

Had monthly meetings with sales, project managers and customer service to discuss any issues and to resolve quickly to minimize disputes.

CARRIER ENTERPRISE, Mississauga, ON 2013 - 2014

Credit Analyst-One Year Contract

Reported to the credit manager. Worked with clients in Central and Eastern Canada.

Maintained potential new customers and existing accounts line of credit

Analyzed financial statements, credit reports and research to reduce DSO by 5%

Problem solving, and good liaison with sales, customer service, shipping and all departments to minimize returns and disputes.

OSRAM SYLVANIA, Mississauga, ON 2010 - 2013

Bilingual Collections

Reported to credit manager. Was originally responsible only for the for the service division and eventually was given retail accounts.

Worked on projects for large accounts such as Rona, Canadian Tire, Suncor, analyzed all information, retrieved as much info as possible in order to make an informed decision, to minimize bad debt.

After 8 months I was recommended to lead the committee for the credit/account receivable for SAP new master data being implemented.

Reconciled a messy account I inherited upon my hire that was missed applied and entered had been going on for over two years. Gathered all purchaser orders, returns, disputes, payments and adjusted to bring the account up to date.

Was assistant to credit manager when she was away on business or holidays

VERMEER CANADA INC, Brampton, ON 2007 - 2009

Bilingual Credit Coordinator

Was responsible for all accounts receivables, and credit risk.

Reduced DSO through constant calling and researching accounts in all of Canada

Opened accounts, revue credit application, analyzed credit limit.

Implemented weekly meetings with management and sales force for discussions on account status.

Was responsible for all month end reports.

Looked after for the car fleet for the company.

CROWN WALLPAPER, Etobicoke, ON 2002 - 2007

Bilingual Credit Analyst

I was responsible for accounts in Quebec, Eastern and Western Canada, as well as chain accounts such as Rona, Home Hardware, General Paint, Deco Surfaces, Sodisco-Howden and much more were customers I dealt with daily.

Collections and credit risk

Took time to listen to customer issues and work on a resolution.

Spent enough time on decisions and financial situation to analyze and supply the type of terms and credit limit.

Posted checks and credit card payment, month end reports and collection call on delinquent accounts for one of the largest Wallpaper manufacturers.

Good liaison with the sales department was an integral part of my daily function when all other attempts had failed.

RAMADA INN 1999 - 2002

City Centre, Sudbury, Ontario (Moved to Toronto)

Accounting / Payroll, Reported directly to the Controller.

I was responsible for all Accounts Receivable, preparing deposits from Front Desk and Restaurant, verifying all information, balances, problem solving and researching, assisting with manager’s reports, collections, preparing month end reports.

Accounts Payable matching invoices to packing slips and purchase orders, ensured all information was accurate, processed manual checks for employee’s prescription payment, resolved and researched all suppliers’ queries.

Assisted in payroll department, pulled all employees’ time sheets on custom made software and have all Managers from each Departments revue, sign and return, I entered all information for preparation for employee’s bi-weekly payroll.

Direct interaction with the Hotel Guests was an important part of the Hospitality customer service.

Meeting with some customers to give an overview of their accounts to see if there were any problems that need to be clarified.

Education

CCP Designate

Gold Seal, Construction Credit Management

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