Sanjila Singh

Credit Officer and New Accounts Officer

Carpenters Finance

Suva, Fiji

12.2008 - 02.2019

Reviewed credit applications and financial statements to determine customer creditworthiness.
Researched industry best practices related to consumer lending regulations.
Maintained accurate records of all customer interactions including notes on conversations and decisions made.
Developed policies and procedures for approving and managing customer credit limits.
Worked closely with collections departments in order to ensure timely payments from customers.
Ensured that all relevant documents were collected before making a decision about granting a line of credit.
Coordinated with legal teams when necessary to ensure compliance with applicable laws and regulations.
Provided guidance and advice on credit management practices to internal stakeholders.
Assessed the impact of new products or services on current credit policies.
Collaborated closely with sales teams to understand their needs while ensuring sound risk management practices were followed.
Negotiated payment plans with delinquent customers in order to minimize losses due to non-payment.
Led, structured and negotiated complex credit transactions and documentation to mitigate risk.
Followed banking requirements and government lending regulations.
Assessed property appraisals, title histories and insurance information.
Analyzed and prepared existing borrower reports and reviews to track repayments and compliance with loan agreements.
Trained rookie credit staff in application processing, credit analysis and loan disbursement to detect and curb fraud.
Cultivated and maintained comprehensive industry knowledge to assess risk solutions and maximize returns.
Recommended approval or disapproval of different loan types based on established criteria.
Prepared and submitted loan applications to underwriters.
Collected and checked borrower income, credit history and employment information.
Examined collateral to establish market value and assessed repayment capacity using secondary revenue sources before loan approval.
Entered credit slips and return requests to issue authorizations and process returns documentation.
Reviewed accounts for signs of fraud and non-payment issues.
Examined city directories and public records to verify residence property ownership, bankruptcies and liens.
Informed applicant of credit research results in writing with formal credit reports.
Kept detailed reports of client and account data, consistently updating database with latest information.
Verified applicants' references pertaining to employment, health history and social behavior.
Contacted customers to notify of delinquent payments and resolve.
Forecasted credit needs and client payment abilities to support accurate and effective decision-making.
Identified possible issues with credit systems and monitoring by streamlining processes ahead of time.
Wrote contracts and terms for approved credit requests, fulfilling legal and financial requirements to protect institution.
Collected debt information about clients by contacting banks, credit services and credit bureaus to determine meeting financial obligations.
Answered incoming inquiries to discuss credit report information with subscribers.
Disseminated information regarding cash flow to appropriate stakeholders, enabling decisions for credit risk policy adjustments.
Provided customer credit information to official representatives from banks and other financial institutions.
Double-checked account and application information provided by clients to assist in making accurate credit decisions.
Verified current and historical residences, property ownership and various types of debt by accessing public records and directories.
Implemented new initiatives, which resulted in quicker payments and better turnaround times to resolve customer issues.
Created standard operating procedures and delivered training to credit personnel to improve operational efficiency.
Collaborated cross-functionally with sales, management and other departments to maintain effective operations.
Submitted delinquent accounts to collections department or outside resources.
Determined resources required to achieve successful software conversion and validation upgrade.
Determined credit approval based on financial standing, credit records and payment history.
Assessed risks and application details for clients to compare data against standard loan approval and denial structures, minimizing risk and maximizing business returns.
Met with credit applicants to acquire personal and financial information used to process credit report.
Performed credit analysis of potential clients by reviewing financial statements and other reports.
Opened, maintained, and closed accounts in accordance with company policies and procedures.
Verified customer information and documents to ensure compliance with applicable laws and regulations.
Processed payments from customers according to established guidelines.
Approached prospective clients through emails and cold calling to consistently meet sales targets.
Used customer and bank records to investigate and correct errors upon customer request.
Maintained and built strong client relationships through quality, personalized interactions.
Maintained customer data confidentiality while inputting information into system.
Entered new account information into computers and filed related forms and other documents.
Responded promptly to customer queries and complaints to find solutions and diffuse tension.
Oversaw credit management, assessing creditworthiness and setting credit limits.
Processed and recorded transactions in general ledger, maintaining detailed financial records.
Participated in training sessions to stay up-to-date on industry developments.
Resolved customer inquiries promptly and accurately via phone or email.
Maintained accurate records of all customer interactions for future reference.
Provided support to colleagues as required during peak times.
Provided customers with product information, including features, benefits, rates, terms, conditions.
Reviewed and processed new account applications for accuracy and completeness.
Collaborated with other departments regarding service issues or customer complaints.
Assisted senior staff members with special projects as needed.
Ensured that all client requests were handled in a timely manner.
Monitored customer accounts to detect suspicious activities or fraudulent transactions.
Advised customers on appropriate products based on their individual needs.
Prepared monthly summaries of new account activity for management review.
Generated reports detailing new account openings and closings, sales volume, revenue growth.
Assisted in the development of marketing strategies to increase new business opportunities.
Helped prepare and administer yearly budgets for overall operations and individual departments.
Maintained current and accurate general ledger with all accounting data in audit-ready format.
Handled queries and resolved issues related to accounts, ensuring customer satisfaction.
Conducted monthly, quarterly, and annual closing activities, ensuring timely and accurate reporting.
Administered payroll processing, including calculation of wages, benefits, and deductions.
Coordinated with external auditors for annual audits, providing necessary documentation and explanations.
Received mortgage and other loan payments by verifying payment dates and amounts due.
Interviewed customers to obtain information needed for opening accounts or renting safe-deposit boxes.
Used job-related software and computer to collect and record customer deposits, fees and issue receipts.

Summary

Overview

Work History

Credit Officer and New Accounts Officer

Education

High School Diploma -

Skills

Certification

Timeline

Credit Officer and New Accounts Officer

High School Diploma -

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