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
78 Blanchard Road, Burlington, MA 01803
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
78 Blanchard Road, Burlington, MA 01803
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
1336 Massachusetts Ave, Cambridge, MA
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
1336 Massachusetts Ave, Cambridge, MA
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
Kendall Square, Cambridge, MA
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
Kendall Square, Cambridge, MA
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