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.
