RUDOLPH COX
Queens,United States
Summary
Forward-thinking business banking professional with over fifteen (15) years of experience who is well-versed in the needs of banking institutions. Knowledgeable about banking practices, regulatory standards and available products and services. Good relationship-building, communication and program management abilities. Exceptional ability for identifying new business prospects; furnished the with requisite skills to evaluate/analyze loans for decision making; while preparing prospects and existing clients for future lending. Innovative and creative thinker who anticipates the needs of customers and ensures the processes are aligned to deliver excellence. Dynamic leader with skills in motivating persons to deliver beyond their expectations. Excellent system thinker who seeks to improve processes which will redound to strong growth in portfolios.
Overview
14
14
years of professional experience
Work History
Business Banking Manager
First Caribbean International Bank Jamaica Limited
08.2017 - 12.2019
- Contribute to the delivery of Retail & Business Banking portfolio growth and financial goals through a balanced mix of personal and commercial products reflective of the Business Banking 'Integrated Offer' and disciplined approach to sales activities
- Provide high level of customer service to meet and exceed customers’ expectations in accordance to client experience (CX) standards ensuring that standards are adhered to in each and every customer interaction
- Write credits, perform analysis of company’s financial statements, cash flow projections and project proposals
- Reduce risk exposure by adhering to policies and procedures in line with bank risk tolerance profile
- Limit delinquency of loans to less than 3% of portfolio
Business Banking Executive
First Global Bank Limited
09.2015 - 10.2016
- Identify prospective customers using lead generating methods
- Sell Loans, Deposits and Credit Cards to mass and other services to SMEs with borrowings over $100M
- Interview customers and collect required documentation for loans deposits and credit cards
- Develop winning presentations to prospective and existing customers on Bank's product offerings
- Responsible for servicing existing Business Clients and to initiate new client relationships
Manager
First Heritage Co-operative Credit Union Limited
01.2010 - 09.2015
- Leading 22 team members in two locations serving over 82,000.00 members with savings of over $2.5 billion and loan portfolio of over $2.3 billion geared at achieving qualitative targets and quantitative target of over $258mil in Net Surplus
- Vetting and approval of loans
- Appraising of staff using Balance Score Card Technique
- Guiding social outreach responsibility initiatives
- Development of mentorship programs for staff members to ensure growth and upward mobility of staff in both personal and professional lives
Business Development Officer
First Heritage Co-operative Credit Union Limited
09.2005 - 12.2009
- Built relationships with Religious Community island wide to promote long term business growth.
- Built relationships with colleagues to facilitate teamwork, cooperation and success. Grew portfolio to more than three (3) times target; awarded General Manager's Trophy for Staff Member of the Year.
Education
Diploma And Certificate in Business Administration -
University of Technology (Formerly CAST)
Jamaica W.I.Skills
- Experience in managing multiple locations
- Goal-oriented and Strategic Thinker
- Understanding of budgeting and strategic processes
- Thorough understanding and mastery of sales and business development practice
- Excellent reporting and presentation skills
- Knowledgeable about all aspects of loan financing to include business, motor vehicle and mortgage financing, documentation and securities
- Credit Writing and Credit Risk Management Skills
- Excellent negotiating tactics
- Sound Leadership and Problem Solving Skills
Professional Affiliations Awards
- Member of the Board of Trustee – New Testament Church of God Pension Scheme.
- Member of the Board of Directors Y.M.C.A- Spanish Town, St. Catherine
- Former Treasurer – JCDC St. Catherine.
- Former Vice President- Upper West Central St. Catherine Ministers’ Fraternal.
- Former Treasurer to the Board of Directors – Bethel Bible College Alumni Association.
Timeline
Business Banking Manager
First Caribbean International Bank Jamaica Limited
08.2017 - 12.2019
Business Banking Executive
First Global Bank Limited
09.2015 - 10.2016
Manager
First Heritage Co-operative Credit Union Limited
01.2010 - 09.2015
Business Development Officer
First Heritage Co-operative Credit Union Limited
09.2005 - 12.2009
Diploma And Certificate in Business Administration -
University of Technology (Formerly CAST)
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