ORAL DALEY
St. Mary,Jamaica
Summary
Dynamic Client Relationship Officer with a proven track record at Banking, specializing in managing a $30M loan portfolio. Exceptional negotiation and problem-solving skills drive successful client outcomes and foster long-term partnerships. Recognized for building strong relationships and implementing effective marketing strategies that ensure compliance while enhancing customer satisfaction. Proficient in Microsoft Office and sales applications, leveraging technology to streamline processes and improve client interactions.
Overview
25
25
years of professional experience
Work History
Client Relationship Officer (CRO)
JN Bank
01.2019 - Current
- Managed loan portfolio of over $30,000,000 and 250 loans, which consisted of follow-up site visits and underwriting activities.
- Performed analysis of client’s businesses including conducting financial feasibility, collateral evaluation, and loan structuring.
- Monitor loan portfolio for risks, trends and problems. Identify problems, plan and execute action plans for resolving them. Report on early risk and other issues as per policy and practice.
- Lead product presentations and marketing loan products for satellite offices as a part of JN bank Small Business client prospecting and growth plan.
- Developed relationships with local chambers of commerce, PTAs, and small business development centers throughout the suburbs and cities.
- KEY CONTRIBUTIONS:
Loan Receivable Officer (LRO)
JN small business Ltd.
11.2017 - 01.2019
- Monitor clients’ compliance with arrangements made to settle loan balances.
- Conduct regular follow-ups with delinquent clients to settle their arrivals.
- Collection activities in each location within the regions to set loans in good standing.
- Visit Court and provide evidence in default judgements against delinquent clients and report to supervisor the results.
- KEY CONTRIBUTIONS:
Store Coordinator
Massy Distribution Ltd.
03.2016 - 09.2016
- Analysing sales information.
- Build relationships with key store personnel to ensure their understanding of brand information, shelf standards and special promotions on products.
- Written report on the stores status and provide solutions.
- Execution and maintenance of Gondolas for broadening key products visibility.
- KEY CONTRIBUTIONS:
- Coordinated inventory management processes to optimize stock levels and reduce discrepancies.
- Streamlined order fulfillment procedures, enhancing operational efficiency across distribution channels.
Merchandiser
Lascelles Ltd. - J Wray & Nephew
01.2001 - 03.2015
- Managed the day-to-day requirements of various accounts assigned and provides exceptional customer service.
- Execute activities which include Products Visibility, Categorization, Plano-gram adherence, Precise Pricing, and Inventory Management controls.
- Planned, organized, and executed marketing & sales projects relating to product displays for promotions.
- Successfully sold products to customers using my product knowledge and excellent sales ability.
- KEY CONTRIBUTIONS:
Education
MBA - Business Administration And Management
Royal Docks School of Business And Law, University of East London
London, United Kingdom01.2025
Postgraduate Certificate - Business Administration
School of Management, University of South Wales
Wales, United Kingdom01.2022
Certificate Course - Quick Books
Quality Academics
Kingston, Jamaica01.2015
B.Sc. Business Administration - Finance, Accounts
Northern Caribbean University
Kingston01.2013
Certificate Course - Credit Risk Management
Jamaica Association for Micro- Financing (JAMFIN)
Kgn., 401.2013
Skills
- Negotiation skills
- Team player, Team leader
- Exceptional Customer Service
- Problem Solving Skills
- Time Management Skills
- Multitasking
- Sound Integrity and Good Judgment
- Ability to maintain a high degree of confidentiality
- Strategic planning
- Report writing
- Analytical thinking
- Relationship building
- Interpersonal communication
- Sales strategies
Timeline
Client Relationship Officer (CRO)
JN Bank
01.2019 - Current
Loan Receivable Officer (LRO)
JN small business Ltd.
11.2017 - 01.2019
Store Coordinator
Massy Distribution Ltd.
03.2016 - 09.2016
Merchandiser
Lascelles Ltd. - J Wray & Nephew
01.2001 - 03.2015
Postgraduate Certificate - Business Administration
School of Management, University of South Wales
Certificate Course - Quick Books
Quality Academics
B.Sc. Business Administration - Finance, Accounts
Northern Caribbean University
Certificate Course - Credit Risk Management
Jamaica Association for Micro- Financing (JAMFIN)
MBA - Business Administration And Management
Royal Docks School of Business And Law, University of East London
ACHIEVEMENTS/ AWARDS
Implemented several Strategies that successfully increased sales and improved client retention rates., Winner of the Loan Recovery Officer DELINQUENCY promotion to have reduced the value of arrears in the region by over 40%., Recognition dedicated Service, Treasurer, North East Jamaica Conference SDA November 2024, Most Improved Merchandiser July – September 2012