Kharla Wharton
Bridgetown - St Michael
Summary
A true professional within the financial services sector, and over 13 years banking experience. A self-motivated individual with excellent time management and organizational skills. Ability to use initiative and work as part of a team when under pressure to meet challenging deadlines. Always ready to help team achieve company goals.
Overview
14
14
years of professional experience
Work History
Analyst - Client Credit Management
CIBC FirstCaribbean International Bank
01.2017 - Current
- Responsible for a portfolio of impaired retail and corporate loans and credit card accounts from delinquency to non-performing to write-off.
- Pursue the recovery of impaired loans.
- Arrange meetings with customers to determine the cause for delinquency and establish the best course of action to be taken to recover funds, e.g. restructuring, negotiating payment arrangements and compromise settlements.
- Ensure all recovery actions are cost effective to the Bank to mitigate loss.
- Implement effective collection and recovery strategies.
- Make recommendations to management for approval of strategies, including write-off.
- Perform site visits of distressed properties to assist with the recovery strategy.
- Attendance at court hearings and signing of affidavits, as required.
- Assist with management of the unit’s database and preparation of management information.
- Assist with completion and timely submission of Central Bank/Regulatory reports.
- Working with external agents for collection, e.g. bailiffs, attorneys.
- Review invoices presented for settlement by third parties, e.g. attorneys.
Collections Officer
CIBC FirstCaribbean International Bank
11.2015 - Current
- Manage delinquency in credit cards
- Contact clients/customers so that arrangements can be made to pay the card.
- Prepare entries to debit accounts and send off for processing.
- Refer delinquent accounts/credit cards to 3rd parties / bailiff and or Attorneys-at-Law
- Liaise with Bailiffs and Attorneys upon report of clients.
- Prepare Bailiff reports
- Review invoices presented for settlement by third parties eg. Bailiffs/Attorneys-at-law
Customer Service Representative
CIBC FirstCaribbean International Bank
09.2009 - 10.2015
- Handled customer inquiries and suggestions courteously and professionally.
- Actively listened to customers, handled concerns quickly and escalated major issues to supervisor.
- Answered constant flow of customer transactions with minimal wait times.
- Ensure that day to day transactions balance
- Manage Automated Banking machines on a daily basis and ensure that no discrepancies are found.
- Be able to provide the front line/customer service representatives with adequate cash when requested.
- Provide Foreign Services for internal and external customers upon request. (drafts or wires)
- Maintain my daily limit: ensure that no overages or outages are found.
- Meet annual targets as within my Performance Plan.
- Anti-money Laundering training
- Ensure all guidelines are followed whether it’s within my daily limit or the branch’s limits.
- Be always up-to-date with knowledge of bank’s products and services and any General Circulars that would assist in my position
Education
No Degree - Administrative Management - Award of Merit
Barbados Institute of Management & Productivity
Wildey -St. Michael 11.2012
Bachelor of Science - Management (Special)
University of The West Indies, Cave Hill Campus
Cave Hill, St. Michael08.2009
Skills
- Self-motivated and always open to new ideas
- Results oriented
- Active listener
- Analytical and detail oriented
- Flexible and adaptable
- Individually driven yet team player
- Good written and oral communicator
- Proven track record of excellent customer service
- Experienced in handling difficult customers/ situations
- Works well with little or no supervision
- Sound understanding of credit risk management and lending practices
- Very experienced in debt collection and recovery procedures
- Good knowledge and understanding of the legal process that governs the financial sector, regionally
Additional Information
Other Software Training completed under the CCM Unit
· Microsoft Excel training
· ICBS enquires training
· Valuation Refresher & Property Sector Training
· Debt Manager Training
· Restructure Training
Other lifestyle training
· Successfully completed First Aid & Health & Safety Training
· Effective Business Communication in the Organization - CTI
Awards
· On-the- Spot awards – account review projects 2022
Timeline
Analyst - Client Credit Management
CIBC FirstCaribbean International Bank
01.2017 - Current
Collections Officer
CIBC FirstCaribbean International Bank
11.2015 - Current
Customer Service Representative
CIBC FirstCaribbean International Bank
09.2009 - 10.2015
No Degree - Administrative Management - Award of Merit
Barbados Institute of Management & Productivity
Bachelor of Science - Management (Special)
University of The West Indies, Cave Hill Campus
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