Sade Downes
Coral Springs,FL
Summary
Meticulous professional with several years of experience and a proven knowledge of credit analysis, risk management, and asset based lending. Aiming to leverage my skills to successfully fill a meaningful position in a challenging, employee supporting organization.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Credit Specialist
American Express National Bank
Sunrise, FL
07.2022 - Current
- Partnered with customers by using effective communication skills to boost payment process.
- Identified valuable solutions for customers with credit concerns.
- Followed banking requirements and government lending regulations.
- Collaborated cross-functionally with responsible lending, Underwriting, management and other departments to maintain effective operations.
- Notified customers of delinquent accounts with attempt to collect outstanding amounts.
- Enabled spend, research and resolve client concerns at first point of contact.
- Remained calm, professional and provided exceptional service on calls, even when interacting with irate individuals.
- Maintained acceptable performance standards, including efficiency and quality
Credit Risk & Underwriting Analyst
Dolla Financial Services Ltd
Montego Bay , Jamaica
12.2019 - 01.2022
- Reviews borrower submitted information for completeness and accuracy
- Complete character reference and employment verification
- Analyze and summarize borrower financial information in a concise credit package
- Create, edit and review loan application, Bill of sale and promissory note documents
- Compile and review financial disbursement documents and listings
- Ensure all new and existing loans are fully compliant and fall within verification and disbursement policy guidelines
- Communicate with sales, collection, legal, and accounting teams on loan application, underwriting, and approval status
- Work with sales team to respond to any questions or follow up items related to credit approval conditions or requirements
- Provide analytical support for financial documentation amendments and modifications
- Interacts with customers and their employers to gather operational and financial information in order to complete analysis
- Reconcile customer data among multiple systems to ensure data integrity and accuracy
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Presented key information to upper management and executive team for loan recommendations.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Business Development Representative
Dolla Financial Services Ltd.
06.2019 - 12.2019
- Effectively built relationships with both established and potential customers.
- Established strong client relationships to drive business development.
- Determined business development opportunities and implemented effective strategy for client acquisition.
- Developed clientele by networking to find new customers and generate lists of prospective clients.
- Tracked and analyzed weekly sales reports, implemented corrective action plans and streamlined sales operations.
- Created and improved business pipeline using cold and warm techniques.
- Generated leads and capitalized on valuable business opportunities to bring in new company revenue and improve bottom line profit.
- Recommended product changes to enhance customer interest and maximize sales.
- Stayed current on company products and services to provide top-notch expertise to customers.
- Acted as main point of contact in matters relating to client concerns and needs.
- Strategically devised customer approaches, meeting sales objectives and capitalizing on emerging opportunities.
Branch Manager's- Administrative Assistant
MontegoDolla Financial Services Ltd
04.2018 - 05.2019
- Develop prospects from current commercial customers, referral leads, or sales or trade meetings
- Make presentations on financial services to groups to attract new clients
- Arrange for debt repayment or establish repayment schedules, based on customers' financial situations
- Locate and notify customers of delinquent accounts by mail, telephone, or personal visits to solicit payment
- Advise customers of necessary actions and strategies for debt repayment
- Confer with customers by telephone or in person to determine reasons for overdue payments and to review the terms of sales, service, or credit contracts
- Record information about financial status of customers and status of collection efforts
- Receive payments and post amounts paid to customer accounts.
- Negotiate credit extensions when necessary.
- Operate office equipment such as fax machines, copiers, and phone systems, and use computers for spreadsheet, word processing, database management, and other applications
- Answer telephones and give information to callers, take messages, or transfer calls to appropriate individuals
- Greet visitors or callers and handle their inquiries or direct them to the appropriate persons according to their needs
- Set up and maintain paper and electronic filing systems for records, correspondence, and other material
- Locate and attach appropriate files to incoming correspondence requiring replies
- Complete forms in accordance with company procedures.
- Maintain scheduling and event calendars.
- Verify and examine information and accuracy of loan application and closing documents
- Interview loan applicants in order to obtain personal and financial data, and to assist in completing applications
- Contact customers by mail, telephone, or in person concerning acceptance or rejection of applications
- Present loan and repayment schedules to customers.
- Check value of customer collateral to be held as loan security.
- Calculate, review, and correct errors on interest, principal, payment, and closing costs, using computers or calculators
- File and maintain loan records.
- Accept payment on accounts.
- Submit loan applications with recommendation for underwriting approval
- Review customer accounts in order to determine whether payments are made on time and that other loan terms are being followed.
Marketing and Loan Officer
Worldnet Investments Co. Ltd.
Lucea , Hanover
11.2015 - 01.2016
- Identified strategic partnerships and gathered market information to gain competitive advantage.
- Evaluated advertising and promotion programs for compatibility with public relations efforts.
- Leveraged industry trends and competitive analysis to improve marketing campaign performance.
- Distributed promotional information and incentives determined by marketing managers.
- Placed marketing and advertising displays and materials at stores.
- Generated sales and exposure by providing relevant product information.
- Delivered marketing strategy updates to upper-level management.
- Marketed products and services at tradeshows and promotional events.
- Answered customer inquiries involving rates, products and loan application status to facilitate quality customer service.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Delivered high levels of customer service to facilitate smooth processes.
- Met with applicants to obtain information for loan applications and answer questions about process.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Tracked and managed new leads and followed up on referral business.
- Performed daily maintenance of loan applicant database.
- Submitted loan applications to underwriter for verification and recommendations.
- Collected past due loans, keeping credit and collateral exceptions within policy ranges.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Resolved file problems, bottlenecks and qualified issues throughout underwriting process.
Front Desk Receptionist
Grand Palladium Jamaica & Lady Hamilton Resorts
Lucea , Hanover
03.2014 - 09.2014
- Maintained strong work relationships with all hotel departments
- Handled payment processing and provided customers with receipts and proper bills and change.
- Welcomed patrons to front desk and engaged in friendly conversations while conducting check-in process.
- Received incoming calls and coordinated with staff to fulfill customer requests.
- Answered multi-line phone system and managed calls by routing to proper extensions or taking messages.
- Responded to inquiries and room requests made online, by phone and via email.
- Input customer data into reservation systems and updated to reflect room changes.
- Worked with housekeeping and maintenance staff to address and resolve building and room issues.
- Protected clients' rights by maintaining confidentiality of personal and financial information.
Customer Care & Social Media Specialist
Digicel Jamaica Ltd.
Kingston, Kingston
09.2009 - 07.2013
- Maintained detailed knowledge of customer service initiatives to uphold high standards of service quality.
- Adapt to ever changing performance driven environment
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Answered incoming calls and emails, providing frontline customer support or assistance with product and service transactions.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Demonstrated excellent communication skills in resolving product and consumer complaints.
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Escalated customer concerns, issues and requirements to supervisors for immediate rectification.
- Upheld quality control policies and procedures to increase customer satisfaction.
- Developed social media content and scheduled posts to coincide with target audience usage.
- Wrote social media content to increase engagement with customers.
- Engaged positively with online community to glean insights and capitalize on learning opportunities.
- Resolved client concerns via major social media platforms
Teller
Jamaica National Bank
DigiceltradeshowsWorldnetMontego Bay , Jamaica
05.2008 - 06.2009
- Maintained confidentiality of bank records and client information.
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Adhered to financial services security and audit procedures.
- Built and maintained client relationships through quality, personalized interactions.
- Adhered to bank policies and facilitated safe and protected transactions
- Count currency, coins, and checks received, by hand or using currency-counting machine, to prepare them for deposit or shipment to branch banks
- Receive mortgage, loan, or public utility bill payments, verifying payment dates and amounts due.
Education
BSc credits - Social Work
University of The West Indies
Jamaica2008
College Diploma - Business Management
Frome Technical
Jamaica12.2007
High School Diploma -
Rusea's High
Jamaica12.2005
Skills
- Credit Underwriting
- Data Analytics
- Customer Records Analysis
- Credit Decision Making
- Effective Communication
- Computer & Software proficiency
- Customer Relations
- Interpersonal skills
- Critical thinking
- Adaptability
- Business Development
- Content Creation
- Facebook, Instagram, LinkedIn
- CMS and CRM Software
- Data Entry
- MS Office
Certification
- Diversity & Equality: Harmony in the Workplace, Alison - 2023
Timeline
Credit Specialist
American Express National Bank
07.2022 - Current
Credit Risk & Underwriting Analyst
Dolla Financial Services Ltd
12.2019 - 01.2022
Business Development Representative
Dolla Financial Services Ltd.
06.2019 - 12.2019
Branch Manager's- Administrative Assistant
MontegoDolla Financial Services Ltd
04.2018 - 05.2019
Marketing and Loan Officer
Worldnet Investments Co. Ltd.
11.2015 - 01.2016
Front Desk Receptionist
Grand Palladium Jamaica & Lady Hamilton Resorts
03.2014 - 09.2014
Customer Care & Social Media Specialist
Digicel Jamaica Ltd.
09.2009 - 07.2013
Teller
Jamaica National Bank
05.2008 - 06.2009
BSc credits - Social Work
University of The West Indies
College Diploma - Business Management
Frome Technical
High School Diploma -
Rusea's High
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