Clinton Williams
Burlington,MA
Summary
Successful loan processing professional well-versed in the market, fee structures and application review procedures. Analytical and detail-oriented multitasker with an organized approach and good problem-solving abilities. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
31
31
years of professional experience
Work History
Officer, Commercial Loan Administrator
Cambridge Trust
01.2019 - Current
- Managed pipeline of commercial loans from origination to closing, ensuring timely completion of tasks for all parties involved.
- Maintained a high level of confidentiality while handling sensitive borrower information throughout the loan process.
- Enhanced loan processing efficiency by streamlining documentation and data entry procedures.
- Improved borrower satisfaction with prompt communication and thorough explanations of loan terms, conditions, and requirements.
- Compiled closing packages for drafting and presentation accuracy.
Officer, Assistant Small Business Underwriter
Cambridge Trust
01.2011 - 01.2019
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Increased customer satisfaction through timely communication and efficient handling of loan applications.
Merchant Services Officer
Cambridge Trust
01.2001 - 01.2011
- Assisted merchants in selecting optimal payment solutions, resulting in increased sales volume.
- Ensured timely handling of disputes by coordinating resolutions between issuing banks, cardholders, and merchants.
- Implemented process improvements, significantly reducing chargeback rates for clients'' businesses.
- Maintained up-to-date knowledge of industry trends and best practices to provide informed advice to clients.
- Served as a liaison between technical support departments and merchants during system updates or troubleshooting incidents.
- Enhanced customer satisfaction by promptly addressing and resolving merchant inquiries and concerns.
- Evaluated creditworthiness of prospective clients through diligent review of financial statements and credit reports.
- Provided comprehensive training on payment systems for new merchants, promoting seamless transition and integration.
- Promoted high level of customer satisfaction using strong relationship-building skills, consistent follow-up and prompt issue resolution.
- Prepared pricing agreements and contracts to close sales.
- Set up appointments with potential and current customers to promote new products and services.
Assistant Treasurer, Teller Line Coordinator
Cambridge Trust
01.1999 - 01.2001
- Maintained friendly and professional customer interactions.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
Bank Manager
Cambridge Trust
06.1995 - 01.1999
- Increased customer satisfaction by implementing efficient banking processes and providing exceptional service.
- Coached and mentored staff to improve job performance, resulting in higher productivity and employee retention.
- Assessed employee performance and developed improvement plans.
- Built strong relationships with local businesses, fostering partnerships that benefited both parties.
- Managed banking operations for smooth daily transactions, ensuring accuracy and compliance with regulations.
- Examined customer loan applications for loan approvals and denials.
- Conducted regular audits to ensure adherence to regulatory requirements, maintaining a strong control environment.
- Championed community involvement initiatives to strengthen the bank''s reputation as a responsible corporate citizen.
Assistant Bank Manager
Cambridge Trust
01.1993 - 06.1995
- Managed daily branch activities for optimal performance, ensuring compliance with banking regulations.
- Conducted regular audits to ensure adherence to internal policies and regulatory requirements, maintaining operational excellence.
- Collaborated with bank manager and teller supervisor on scheduling, hiring decisions and monthly audits.
- Contributed to the achievement of financial targets by effectively managing budgets and controlling expenses within the branch.
- Assisted customers with banking transactions, identified and serviced customer needs and resolved issues.
Education
No Degree - Liberal Arts And General Studies
Northeastern University
Boston, MABanking Certificate - Banking And Financial Support Services
New England School of Banking At Williams College
Williamsburg, MA05.1997
Additional Information
Notary Public - expires October 2025
Timeline
Officer, Commercial Loan Administrator
Cambridge Trust
01.2019 - Current
Officer, Assistant Small Business Underwriter
Cambridge Trust
01.2011 - 01.2019
Merchant Services Officer
Cambridge Trust
01.2001 - 01.2011
Assistant Treasurer, Teller Line Coordinator
Cambridge Trust
01.1999 - 01.2001
Bank Manager
Cambridge Trust
06.1995 - 01.1999
Assistant Bank Manager
Cambridge Trust
01.1993 - 06.1995
No Degree - Liberal Arts And General Studies
Northeastern University
Banking Certificate - Banking And Financial Support Services
New England School of Banking At Williams College
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