CREDIT MANAGER | CONSTRUCTION MATERIALS | SUPPORTED REGIONAL OPERATIONS CONSTRUCTION JOBS UP TO $4 MILLION | SALES REVENUE UP TO $35 MILLIONHighly driven and results oriented senior level Credit Manager with an unbroken career history of success developing and improving policies and procedures that enforce customer credit terms/limits, ensures high percentages of on-time collections, and optimizes cash payments/cash flow for the companies’ operation. Known for high business acumen, collaborating strategically with internal and external key stakeholders and creating and administering policies based on best practices, regulatory compliance, and credit management tools. Recognized for implementing innovative credit management solutions while fostering a positive customer experience which contributes to the overall organizational business goals and objectives."I have worked with Karolina for over a decade in the collection of receivables involving construction companies throughout the State of Florida. She is always up-to-date on the complicated lien and bond laws and the statutory requirements in order for a company to perfect their lien or bond rights. She is an asset to any construction firm that desires to maximize their receivables and insure payment through the use of the lien and bond laws. I would highly recommend her and her services to all my construction clients." Kenneth M. Curtin, Partner at Adams & Reese, LLPKEY STRENGTHS Credit StrategyCollections ManagementContracts Loss MitigationPay ApplicationsLiens & Bond ClaimsCredit RiskCustomer RelationsConstruction IndustryPolicy DevelopmentProcess ImprovementNegotiations