Customer Service Representative

Wendy Davis

754-***-**** *********@*****.*** Pembroke Pines, FL

Professional Summary

High performing professional with over 20 years experience in delivering high-impact work in the financial industry with an exceptional track record in consumer and SME underwriting, administration and default management. Skilled in developing strong internal and external relationships to facilitate a collaborate achievement of organizational goals. Confident in my ability to thrive in a fast-paced setting and leveraging my analytical skills, attention to detail and work ethics to enable team success. Committed to lifelong learning and going the extra mile to contribute to facilitate continuous improvement.

Areas of Expertise

• Problem solving and decision-making

• Expertise in customer consumer loan types

• Outstanding written and oral communication

skills

• Exceptional abilities in loan origination and

processing

• Ability to work in a fast-paced environment

• Strong knowledge of retail banking credit

options

KEY ACHIEVEMENTS

• Top Sales Performer in the region (RBC - 2011)

• Reduced loan delinquency portfolio to under 3%

• Recognized as expert in lending policy and efficient execution

• Constantly delivering credit proposal within a 2-day turnaround with a 100% approval rate

• Significantly contributed to the team exceeding targets PROFESSIONAL EXPERIENCE

Personal Banking Officer Sagicor Bank Kingston, Jamaica May 2014 – May 2024

• Managed clients' loan and deposit portfolios, enhancing financial relationships

• Provided tailored financial solutions and prepared comprehensive credit proposals

• Boosted loan portfolio growth and branch profitability

• Conducted ongoing review of credit exposures, ensuring compliance with agreed terms, identifying delinquencies, and recommending loan restructuring to minimize the bank's risk.

• Perform quantitative and qualitative analysis of loan application to determine credit worthiness

• Ensure the efficient execution of all phases of credit related activities deligencing/underwriting, administration and collections

• Supervised credit proposals to ensure accuracy and that standards are in keeping with the specified guidelines Relationship Manager Associate RBC Corporate Banking Kingston, Jamaica Oct 2013 – May 2014

• Supported Relationship Managers in various capacities

• Conducted thorough creditworthiness analyses of prospective business clients

• Recommended tailored financial solutions, prepared credit proposals, and managed bad debt collection

• Restructured credit facilities to optimize client outcomes

• Support the sales team in consistently delivering client experiences Account Manager RBC Liguanea Branch Kingston, Jamaica Nov 2010 – Jan 2013

• Took client focused approach to effectively assess client’s financial needs, provided advise and propose products/services solutions that meet the needs

• Oversaw clients' financial portfolios, ensuring optimal performance

• Opened and established new deposit accounts

• Drove loan portfolio growth and enhanced branch profitability

• Effectively managed and mitigated loan delinquencies

• Led training sessions for branch personnel on credit underwriting procedures Loan Processing Officer RBTT Dominica Drive Branch Kingston, Jamaica Jun 2005 – Oct 2010

• Managed branch loan delinquencies ranging from 1 to 60 days past due

• Restructured credit facilities to better meet client needs Wendy Davis

754-***-**** *********@*****.*** Pembroke Pines, FL

• Recommended tailored financial solutions to customers

• Prepared comprehensive credit proposals, managed bad debt collection, and restructured credit facilities For the Period (1990–2005), held various positions in Treasury Operations, Customer Service and Teller Operations

EDUCATION

University of Technology, Kingston, Jamaica

B.Sc., Banking and Financial Services

University of the West Indies

Certificate, Business Studies

ADDITIONAL SKILLS

• Financial Accounting for Lenders

• Law behind the Loans

• Living the Client Experience

• Sales Motivation for Bankers

• Banking Laws

• Professional Selling Skills

• Introduction to Retail Credit

• Account Manager Workshop

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