Tracy Zhang

Credit and Collections professional with 7+ years of experience managing commercial accounts, optimizing collection processes, and supporting financial operations. Strong background in customer communication, account reconciliation, and resolving payment issues. Proven ability to collaborate with sales teams, review financial documentation, and ensure timely payments while maintaining strong client relationships.

Credit Analyst - Cummins Canada ULC

(2022-06)

• Manage a portfolio of commercial accounts, ensuring timely collection of outstanding balances
• Communicate with customers via email and phone to resolve payment issues and facilitate timely payments
• Review and validate purchase orders and account details to ensure accuracy and proper processing
• Collaborate closely with Sales teams to resolve account discrepancies and support customer needs
• Monitor accounts receivable and identify overdue accounts, taking proactive steps to reduce aging balances
• Prepare and maintain accurate financial documentation and reporting
• Improve collection efficiency through proactive follow-ups and process improvements
• Maintain strong customer relationships while enforcing credit and payment terms

Customer Service / Inside Sales & HSE Coordinator - Woodopolis Home Centre

(2010 - 2022)

• Managed customer accounts, quotations, and payments while ensuring smooth transaction processes
• Followed up on quotes and payments, improving conversion rates and cash flow
• Resolved customer inquiries and account issues to maintain satisfaction and retention
• Coordinated project schedules and maintained accurate documentation

Credit Analyst - Husky Energy - Calgary

(2009-02 - 2012-01)

• Processed credit applications and maintained over 100 commercial accounts
• Reviewed credit reports (Equifax) and supporting documentation
• Prepared approval/decline decisions and maintained accurate records
• Communicated with customers regarding account status and payment follow-ups

Sub Mortgage Broker Course - UBC Sauder

Office Administration - Reeves College Calgary