Whitney Applewhite

Dedicated Analytical professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organization objectives.

Loan Officer - Venture Credit Union Co-Operative Society - Arouca, Trinidad

(2019-02)

• Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
• Interview members & obtain all necessary documentation to make loan decisions
• Secure collateral to qualify and approve loan applications
• Monitored pipelines to track and log status of loans.
• Developed prospects for new loans and conduct scheduled cold calls weekly.
• Conduct site visits and visit Host Companies to conduct Business Development presentations
• Assess lawyer & evaluator invoices for mortgages and searches
• Provide monthly reports to management & staff
• Identify strategies to drive new loan business and cross sell services to enhance relationship
• Research all consumer investigations received from credit bureau and provide timely response
• Manage a portfolio of member accounts, ensuring accounts are serviced according to arrangements and ensure all necessary follow ups a completed

Credit Analyst - Transcorp Credit Union Co-Operative Society - Barataria, Trinidad

(2017-09 - 2018-11)

• Assessed credit risk and analyzed financial statements.
• Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
• Made decisions and recommendations about extending lines of credit.
• Conducted financial review of customer lines of credit by assessing company financials and initiating credit application reviews.
• Controlled credit exposure by providing financial order management support to minimize risk and obtain timely payment.
• Conducted presentations to upper management and executive teams for loan recommendations.
• Supervise the operations of the loans department for all branches

Branch Sales Representative - Island Finance Trinidad & Tobago Ltd - Curepe, Trinidad

(2012-01 - 2017-08)

• Shared, showed and supported clients on variety of technological digital and online tools and resources to explore solutions to achieve financial goals and financial well-being.
• Targeted and engaged potential customers in market by building relationships and creating value propositions with impact.
• Collected and applied transfers and cash payments.
• Built and used effective working relationships across department, functional and geographic reporting lines to share knowledge and achieve common goals.
• Identified prospecting approaches to discover potential customers and create opportunities to sell financial solutions and ideas.
• Provided advice on loans, investments and other company products.
• Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
• Discussed financial options with clients and provided informed suggestions.
• Responded to customer questions and concerns or escalated to supervisor for resolution.
• Answered inquiries and provided information to sales representatives, distributed appropriate paperwork and fulfilled quote requests to deliver excellent customer support.
• Drove sales by following up with leads and new customers through outbound calls and promotional events.

CXC O' Levels Certificate - English, Maths, POB, POA, Integrated Science - St Augustine Senior Secondary Comprehensive School (2003)